High Risk Merchant Accounts & Processing

Secure, powerful payment solutions & card processing for high risk industries

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Do I Need A High-Risk Merchant Account?

If your business falls into one of the sectors classed as high risk, you might find it more difficult to obtain a merchant account in order to accept credit and debit card payments online. If so, you could benefit from the high-risk merchant services provided by Total Processing.

A standard high-risk merchant account will:

  • Charge higher setup, annual and transaction fees

  • Impose a longer settlement period

  • Offer increased account security

The payments associated with these business sectors are deemed as high risk by banks due to the nature of the business, the business model and the way the product or service is delivered or carried out.
This may also be the case if you or your business has a poor credit history. However, in this instance, it’s likely that higher fees will reduce over time — as long as you make payments on time to improve your credit.

High Risk Industries We Work With

At Total Processing we specialise in high-risk merchant accounts for businesses trading in the sectors listed below. We’ve established long-term, trusted relationships with a number of merchant banks; so after identifying your requirements, we’ll put your account application forward to the best high risk merchant account provider for your needs.

You’re likely to be classed as a high risk merchant if you fall into one of the following categories:

  • Hemp Oil

  • Dating and Escort Services

  • Foreign Exchange (Forex) Merchant Account/Services

  • Online Gaming and Gambling

  • Adult Entertainment

  • Credit Repair and Debt Management

  • Domain Registration

  • Events and Tickets

  • Software Downloads

  • Prepaid Phone Cards

  • Tobacco and E-Cigs

  • Insurance

  • Money Transfer

  • Vehicle Sales and Car Parts

  • Tattoo Studios

  • Investment Schemes

  • Lender Merchant Account & Services

  • PPI Merchant Accounts & Services

  • Nutraceuticals

  • Travel and Tourism

  • Payday Loans

  • Online Auctions

  • Health and Wellness Products

  • ISP and Hosting Services

  • Direct Sales and Pyramid Selling

  • Alcohol Products

  • Technical Support & Web Development

  • Jewellery, Watches & Accessories

  • Nightclubs and Bars

  • Cryptocurrency

  • Phone Locking Services

It can be challenging for businesses in these sectors to obtain a merchant account due to the level of risk involved and the potential for high volumes of chargebacks.

However, we have vast experience in setting up secure payment solutions for these high risk sectors; we can identify, plan, and implement a custom solution you can have confidence in.

Learn more about Total Control for Business Today

Leading High Risk Merchant
Services Providers

Secure Payment Gateway

We provide a number of very secure payment solutions that will protect your business from risks such as chargebacks and credit card fraud. This includes our secure payment gateway which protects both you and your merchant bank from the potential losses associated with chargebacks and credit card fraud.

Our gateway features high levels of control and enhanced security, and is equipped with:

  • Blocklists that allow you to deny payments from specific emails, IPs, countries, devices, and addresses.

  • Powerful and flexible card verification and security tools that allow you to confirm details such as security cards and customer addresses.

  • Enhanced reporting functions.

High Risk Merchant Account Application & Set-Up

Banks are often wary about setting up accounts and card processing for unfamiliar businesses in high risk industries.
Thankfully, our partnered acquirers have worked with us for some time and we have established strong relationships with them. They’re more likely to consider opening accounts for high risk merchants when those merchants are processing payments using our high-risk merchant account payment gateway with its specific risk management tools in effect.

We can also negotiate with merchant banks on your behalf to offer payment security solutions such as:

  • Fixed Bonds

  • Rolling Reserves

  • Deferred Payments

Accept Recurring Payments with Total Control Today

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Real-Time Insights

Receive real-time business insights directly in Total Control – your bespoke business dashboard.

Total Control

With complete transaction visibility, access real-time payments data to access actionable business insights and detailed reporting about your commercial activity.

Fraud Prevention

Keep ahead of fraudulent transactions with our suite of risk management services and chargeback defender suite designed to intelligently defend your business from any harmful transactions.

Payments Made Real

We’re providing solutions for pioneering companies of all sizes around the world. From SMEs to large enterprises, our merchants benefit from our innovative payments architecture – where every merchant solution is bespoke and customer-focused.

Uzo and the team at Total Processing worked around the clock to ensure we could scale our business quickly in a time of increasing demand. They were efficient and strategic in their solution, providing us with a solution we could effectively unify across all of our payment channels.

Matt Ball, Head of Strategy & Partnerships at Cignpost

Get Started

Welcome Onboard

Contact us to get started with one of our payment specialists.

Set Up

Explore your new solution with your very own test account.


Go live and discover the benefits of Total Processing.

Total Control

Handle everything in your new business CRM. Our advisors are there to provide you with ongoing business support 24/7.

One Integration To Start Accepting Payments.

Our plug-ins support a huge range of existing e-commerce platforms and in-app solutions.

Frequently Asked Questions

To get a merchant account, all you need to do is send us an application. You’ll be partnered with one of our banking partners in order to provide you with the best merchant account options that are cost-effective and suit your business best.
A merchant account is a business bank account. It’s used to receive payments from debit and credit cards for your products or services. Payments are held in your merchant account until they are settled into your bank account.
The cost of your merchant account will depend on various factors such as the type of industry and/or the level of risk involved in your business. For example, a high-risk merchant account would cost more than a low-risk merchant account.
Once a customer has made a payment, those funds are sent to the acquiring bank that the merchant is partnered with. Each of these payments is then released within a pre-agreed upon amount of days and transferred to the merchant’s nominated business bank account. This length of this period is known as settlement days and varies depending on your acquirer.