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High Risk Merchant Account And What You Should Know

By Johnathan Smyth

Anyone planning an online gaming site, pharmacy, or adult site will most likely need a high risk merchant account. The reason for this is that many of these businesses are known to experiences a high number of chargebacks and often have a greater risk of fraud. The important thing is that you don’t let this stop you from beginning your new business.

If you have been denied for a regular account, you will need to apply for a High Risk Merchant Account. The only downside of this is that you might have to pay a start up fee that is usually much higher than a regular account would charge. Of course, you will also be charged a higher credit card processing rate, as well. This is simply due to the fact that your new business is at a higher risk for those chargebacks.

Because of the high fees charged by banks on these higher risk type of businesses, business owners may wish to consider going with a third-party provider. As they are associated with several banks, they may be able to get you lower fees and processing rates. Generally, you should expect to pay a fee of as much as $5000 or more to get started and processing fees of as much as $.75 per transaction.

It is important that you set up a system to reduce how many chargebacks your account receives. You can do this by making yourself available to your customers and always providing them with great customer service. Providing a telephone number for them to contact you or an email address and getting back to them quickly is the best way to reduce chargebacks on your account.

A high risk merchant account may not be what you expected when you started planning your new business, but it may be necessary in order for you to get your business up and running. The best thing you can do is research the various companies that will provide you with an account and do a comparison of the services and fees they can provide to you.

Do You Need A High Risk Merchant Account? Visit And Apply Today!

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Article Citation
MLA Style Citation:
Smyth, Johnathan "High Risk Merchant Account And What You Should Know." High Risk Merchant Account And What You Should Know. 3 Jul. 2010. 29 Apr 2015 <>.

APA Style Citation:
Smyth, J (2010, July 3). High Risk Merchant Account And What You Should Know. Retrieved April 29, 2015, from

Chicago Style Citation:
Smyth, Johnathan "High Risk Merchant Account And What You Should Know"

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