High-Risk Merchant Accounts
Accept credit and debit cards for your high-risk business. HighRiskPro provides dedicated merchant accounts with a 98% approval rate, fast funding, and transparent pricing.
What's Included with Your Merchant Account
Everything you need to accept credit cards—no hidden fees
All Major Card Brands
Accept payments from customers using any major credit or debit card.
- Visa credit & debit
- Mastercard credit & debit
- American Express
- Discover & Diners Club
Fast Funding
Get your money quickly with flexible funding options.
- Next-day funding (standard)
- Same-day funding available
- Weekend/holiday funding
- No funding delays
Fraud & Chargeback Protection
Built-in tools to protect your business from fraud and disputes.
- Real-time fraud detection
- Chargeback alerts (Ethoca/Verifi)
- AVS & CVV verification
- 3D Secure support
Dedicated Support
Real humans who know your business and industry.
- Dedicated account manager
- 24/7 phone support
- Email & chat support
- Technical integration help
Accept Payments Anywhere
In-Store
POS terminals, countertop readers
Online
E-commerce checkout integration
Mobile
App & mobile card readers
Phone Orders
Virtual terminal for MOTO
Invoicing
Email payment links
Recurring
Subscription billing
ACH/eCheck
Direct bank payments
API
Custom integration
Transparent Merchant Account Pricing
Rates depend on industry and risk profile—here are typical ranges
Low-Medium Risk
E-commerce, professional services
- + $0.15-0.20 per transaction
- No monthly minimum
- Gateway included
- No reserve (typically)
Medium-High Risk
CBD, nutra, travel, gaming
- + $0.20-0.30 per transaction
- Chargeback alerts included
- Dedicated account manager
- Reserve: 0-10% (varies)
High Risk
Adult, collections, high chargeback
- + $0.25-0.35 per transaction
- Full fraud suite
- Priority support
- Reserve: 5-15% (typical)
Custom Pricing: High-volume merchants ($100K+/month) qualify for interchange-plus pricing and custom rate structures. Contact us for a personalized quote based on your specific business.
What You Need to Apply
Business Documents
- Business license
- Articles of incorporation (if applicable)
- EIN/Tax ID verification
- Voided business check
Financial Documents
- 3 months business bank statements
- Processing statements (if switching)
- Financial statements (high volume)
Website (if online)
- Live website with products/services
- Contact information visible
- Refund/return policy
- Privacy policy & terms
- SSL certificate (HTTPS)
Owner Information
- Government-issued photo ID
- Social Security Number
- Proof of address
- Personal guarantee (typical)
Merchant Account Questions
Most applications are approved within 24 hours. Complex applications may take 2-3 business days. Once approved, you can start processing immediately. We have the fastest approval times in the high-risk industry.
A rolling reserve is a percentage of your sales held by the processor to cover potential chargebacks. For example, a 10% reserve means 10% of daily sales are held for 6 months before being released. Not all accounts require reserves—it depends on your industry, processing history, and chargeback rate.
Yes, high-volume merchants ($100K+/month) can qualify for interchange-plus pricing, which passes through the actual interchange rates plus a small markup. This is typically the most cost-effective pricing for established businesses with consistent volume.
In most cases, yes. We support all major payment gateways including Authorize.net, NMI, USAePay, and others. If you have an existing gateway integration, we can often connect your new merchant account to it without changing your website code.
Ready to Start Accepting Credit Cards?
Get approved for a high-risk merchant account in 24 hours.