High Risk Credit Card Processing

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High Risk Credit Card Processing

Looking for a high risk credit card processing account?  You’ve come to the right place.  PaynetSecure provides secure high volume, high risk credit card processing accounts to US and international merchants quickly and efficiently.

  • World-Wide Banking Network.  Extensive network of US & international acquiring banks friendly to high risk merchants.
  • Competitive Rates.  Contact us today for a no-obligation rate comparison.  Our goal is to offer you the lowest rates with the best terms.
  • Quick Approvals.  Fast approvals mean you get more orders quicker.
  • High Volume Credit Card Processing.  High volume, high risk merchant accounts are our specialty.
  • High Risk ACH & Echeck Payments.  Boost orders from US shoppers 10-30%.
  • International Payment Methods.  More than 80 different “in-country” payment methods. Increase sales from international shoppers up to 40%.
  • Level 1 PCI-DSS High Risk Payment Gateway.  Exceeds the most stringent standards for secure high risk credit card processing.
  • Chargeback Prevention & Mitigation Services.  Prevent chargebacks before they happen.  And fight the chargebacks you can win.
  • Customizable Fraud Fighting Weapons.  Powerful customizable fraud fighting tools.   Rapidly accept good orders.  Decline fraudulent transactions. Set aside questionable orders for further review.
  • Superior Customer Service.  Specialists in high risk credit card processing dedicated to your success. Get the help you need quickly and professionally.



Multi-Channel High Risk Credit Card Processing

Your high risk payment gateway gives you the ability to accept payments through all sales channels.

  • Sell Online. Easy-to-install API connects to your website for high risk credit card processing of eCommerce orders. 
  • Mail / Phone orders (MOTO). Unlimited virtual terminals included with all accounts.  Send payment data though the secure gateway using any internet enabled computer.
  • InApp. High risk credit card processing can be integrated with any apps that need to accept payments.
  • Mobile Devices. Easily accept payments from mobile phones & devices.
  • Batch Uploads. Upload large files of transactions securely to the high risk payment gateway for rapid processing.
  • Internal Systems. High risk gateway can be used with internal business systems to automate data exchange and enhance productivity.
  • CRM / Shopping Carts / Accounting Systems. Our high risk merchant account gateway is already integrated with major CRM, shopping carts and accounting systems.  Saving you money and development time.



What is High Risk Credit Card Processing?

The generic term “high risk” is used by acquiring banks to describe industries or merchants that present a higher risk of financial loss than low or standard risk accounts.  There are many reasons banks classify businesses as high risk credit card processing accounts.

The most common reason a business is considered high risk is that type of business statistically has a greater number of chargebacks than standard risk accounts.  Or the industry in which the business operates is prone to higher numbers of fraudulent transactions due to products, services, or targeted markets. 

The card brands have chargeback ratios that must be maintained by businesses.  If the thresholds for chargebacks are exceeded, processors & banks can be fined by the card brands.

Another common reason for a high-risk merchant classification is the billing model used by the company.  For instance, recurring & subscription payments represent a higher risk for chargebacks than do one-time sales. 

The way in which products & services are sold can also lead to a high risk classification. For instance, ecommerce and MOTO merchants are considered higher risk compared to retail sales.  Affiliate marketing, direct sales (MLM), informercials, direct mail, upsells, and other sales methods are considered high risk because these methods of selling have a statistically higher likelihood of chargebacks occurring.    

Some acquiring banks will not board businesses in certain industries due to “reputational risk”.  As an example, online adult entertainment may not be acceptable to some banks.  Even though these same banks often accept high risk credit card processing accounts from merchants in other industries. 

Products, services, and delivery times can sometimes result in a business being classified as high risk.  For example, high ticket sales and high volume merchant accounts have a greater risk for chargebacks than lower tickets or low volume accounts. 

Merchants selling digital merchants are considered higher risk than businesses that ship products.  Travel merchants are classified as high risk credit card processing accounts high risk because trips are often booked in far in advance of the actual travel dates. 

The markets being targeted by a business can also be classified as high-risk credit card processing accounts.  For instance, payments from businesses that target subprime markets are considered high risk due to the higher number of chargebacks associated with the customer demographic. 

International merchants are sometimes classified as high risk credit card processing accounts.  If the targeted markets of international merchants include countries with escalated fraud rates, a high risk classification will apply. 

High Risk Credit Card Processing Gateway

Businesses using the Level 1 PCI/DSS high risk credit card processing gateway can rest assured that transactions are safe and secure.  The gateway far exceeds the most stringent requirements for fully compliant card acceptance.  Military grade encryption protects your business while safeguarding your customers’ sensitive card data. 

Each order has hundreds of validation tests performed on it prior to processing.  Results are returned in seconds.  Extensive, fully customizable cascading rules & filters allow you to set your own parameters for accepting good transactions and rejecting bad ones. 

The high risk credit card processing gateway includes negative & positive databases for extra levels of security.  And also has extensive databases with information compiled from merchants worldwide to help you determine if a potential customer has been identified as a fraudster on other sites.   

When you enable the anti-fraud weapons in the gateway, you accept good orders, while eliminating bad transactions before they occur.  Questionable transactions can be set aside for manual review.

Recurring payments are a standard feature on the high risk credit card processing gateway.  An unlimited number of recurring billing plans can be customized to meet the needs of your customers.  Recurring billing card data is transformed into encrypted tokens which are stored in the high risk gateway’s secure vault.  The tokens are then used for recurring payments, eliminating the need to store sensitive card information.   

Other high risk credit card processing features included in the gateway are:  risk scoring models; card verification; order velocity monitoring; geolocation; address verification; device fingerprinting with packet signature inspection; consolidated data reviews and audit trails; accept/block strategies; tracking buyers’ use of payment methods; system intrusions & reconstruct event reporting; prevention of identity morphing; consumer history of initiating chargebacks; and much more.

How Underwriters Approve High Risk Credit Card Processing Applications

Of course, it’s prudent to have a signer on the account with good personal credit.  If credit is not great, consider adding a co-signer who has good credit.  Credit is checked as the final step in the approval process. 

The underwriting team begins by reviewing the high risk credit card processing account application form to confirm the information is complete & accurate.  Then, the supporting documents are reviewed.

Naturally, high risk ecommerce merchants selling online need to have fully-functioning, secure websites.  The underwriters check all pages to be sure they load quickly and display properly. 

Customer service email and phone numbers should be easy to find.  And privacy, refund, shipping & other policies clearly displayed.  If an ecommerce site requires a user name & password, provide a demo or test login in the application package so the underwriters can have a look.

Sometimes, underwriters will “cold call” or email a high risk merchant to experience how customer service is handled.  If phone calls are forwarded to voice mail, the message needs to include your company name and when a response will be expected.  If email customer support is offered, acknowledge receipt and let the consumer know when to expect a reply.  Then respond as promised. 

Processing statements are examined with an eye to processing volumes and chargeback ratios.  If you have low chargebacks, that’s great.  If chargebacks are edging up, a short explanation as to the reasons and what is being done to keep chargebacks under control is helpful to include with your application file.

Bank statements confirm there is enough working capital available to support the processing volumes being requested in the application.  Business formation documents are verified.  And the remainder of the supporting documents are reviewed. 

Then the underwriting team approves the high risk credit card processing account.  Your MID (merchant identification number) is issued.  Logins credentials to the payment gateway are sent to you.  And you can start processing payments immediately. 


What Types of Merchants Use High Risk Credit Card Processing Accounts?

Any business classified as high risk is welcome to apply.  Below are a some of the most common industries that use high risk credit card processing accounts.  Do not worry if your specific business type is not listed. We establish high risk credit card processing accounts for all types of businesses.  Contact us today and discover how we can help you. 



Payment processing for the adult industry. Perfect for online adult entertainment, webcams, streaming media, & adult oriented products.

Internet Services

Payment processing services for internet service providers (ISP), virtual private networks (VPN), web marketing services, web design, web hosting, VOIP & telecom.


Payments processing for charters & tour companies, travel agencies, hotels, timeshares, cruise lines, airlines, and hospitality.

Direct Response

Complete range of payment services for the direct response industry. Customize solutions to meet the needs of your customers.

High Ticket

High ticket processing for electronics, jewelry, furniture, collectibles, automotive, luxury goods, services, seminars, educational services, precious metals, and other high ticket items.

Forex / Binary Options

Binary options & Forex payment processing for companies world-wide. Accept multiple payment methods from traders.


One time & recurring payments for continuity merchants.  Unlimited number of recurring billing plans enhance your cash flow.

Affiliate Marketing

High volume payment processing for affiliate marketing networks.

Document Preparation

Make it convenient for customers to pay you one-time or on a recurring basis. Accept cards, ACH, and echecks. 


Accept payments from distributors and customers world-wide. Send payments to US and international distributors.


Payment processing cloud computing, SaaS providers, and software developers. Unlimited recurring billing plans protect cash flow. 

High Volume

Get the processing capacity you need. Choice of US & international banks. Load balance multiple accounts through a central control panel. 


Your Solution for High Risk Credit Card Processing

PaynetSecure is a full service payment processing provider for high risk merchants.  Our goal is for you to obtain the lowest possible rates, fastest approvals and best terms for your high risk credit card processing accounts.   

  • Accept all major card brands world-wide
  • Increase orders from US shoppers by adding echecks to your checkout page
  • Add 80 alternative payment methods popular with global shoppers
  • One-time & recurring payments. Convenient for your customers.  Profitable for you.
  • Expand market reach with multi-currency processing
  • Level 1 PCI-DSS payment gateway safeguards your business against fraud & data

Choice of Acquiring Banks

High risk merchants diversify payment accounts to mitigate processing risk &safeguard business operations.

Domestic & International Merchant Accounts

High volume processing capacity accommodates growth. Perfect for fast-growing businesses & companies that process lots of transactions.

Cloud Reporting

Easily track, manage, & control all transactions. Hierarchical access with unique logins enhances internal security while keeping processing data confidential.

Safe Secure Processing

Level 1 PCI-DSS payment gateway protects your business. Offload responsibility for storage of sensitive card info to the gateway. Reduce liability for data breaches.

Multichannel Processing

Accept payments online. Securely enter mail / phone orders through a virtual terminal. Accept orders from smart phones and tablets


High Risk Credit Card Processing the Easy Way


High Risk Merchant Accounts

Accept all major card brands. Take orders online. Accept MOTO payments with a virtual terminal.

eChecks Increase Orders from US Buyers

Electronic checks are the most popular alternative payment method in the United States. Millions of Americans regularly pay for goods & services through a bank account rather than using a card.

International Payments for Global Ecommerce

Accept localized payment methods preferred by international shoppers. Country-specific payments boost orders.


Secure High Risk Credit Card Processing

Merchants in all high risk categories are welcome to apply


Fraud-fighting weapons

Customize extensive fraud-fighting tools included in your payment gateway. Accept good orders, Decline bad ones. And set questionable ones aside for review.

Chargeback Management

Keep chargebacks low. Prevent chargebacks before they occur. Fight chargebacks you can win.

Load Balance

Manage multiple accounts from a single payment gateway. Account management, reporting & reconciliation is a breeze.

Want to see PaynetSecure in action?

See a Free Demo

Contact us at 888-5-PAYNET