High-Risk Merchant Accounts & Processing

Secure, accessible payment solutions and card processing for high-risk industries.

Excellent. 4.9 TrustPilot Rating

Our Customers Love Us

Do I need a high-risk merchant account?

Struggling to get a merchant account? Any business that falls into a ‘high-risk’ sector will find it more difficult to obtain one due to the increased chance of:

  • fraud

  • chargeback

  • volatility

But having a merchant account is essential if you want to accept credit and debit card payments online. So, what do you do? You get a high-risk merchant account designed for these types of businesses.

At Total Processing, we’ve got your back!  We’ve established long-term, trusted relationships with more than 300 acquiring banks, so we can easily find the best high-risk account provider for your business.

We specialise in high-risk merchant accounts

There are so many industries that are classed as ‘high-risk’, some that you may not even realise. But you can get secure payment solutions for your business with Total Processing, no matter what sector you’re in.

Examples of high-risk sectors we work with include:

  • Hemp Oil

  • Dating 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

Get a high-risk merchant account with ease

Leading high-risk merchant
services providers

Secure payment gateway

With a standard high-risk merchant account, you will often receive:

  • higher setup, annual and transaction fees,
  • a longer settlement period,
  • increased account security.

But with Total Processing, you’ll get so much more than that.

We provide a number of very secure payment solutions that will protect your business from risks, including a secure payment gateway. This will protect both you and your acquiring bank from the potential losses associated with chargebacks and card fraud.

The gateway we provide features high levels of control, enhanced security and many beneficial features:

  • Smart dynamic routing – Soft payment declines can instantly be retried with a fallback acquirer.

  • Integration with multiple acquiring banks – The acquirer agnostic gateway allows the merchant to partner with any bank and to have multiple Merchant IDs (MIDs) all within the same integration.

  • Chargeback alerts – Receive early warnings of any chargebacks raised with our chargeback defender tool so you have time to turn it into a refund, reducing costs.

  • Create blacklists – Deny payments from specific emails, IPs, countries, devices and addresses to prevent fraudulent activity.

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

  • Enhanced reporting functions – Track your transactions and defence in real-time with direct updates.


High-risk merchant account application & set-up

Tired of being turned down by banks? You won’t have the same struggle setting up an account with Total Processing.

Building reliable relationships over the years with multiple acquirers has left us in a strong position. They’re more likely to consider opening accounts for high-risk businesses who are processing payments using our high-risk merchant account payment gateway with its specific risk management tools.

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

  • Fixed bonds

  • Rolling reserves

  • Deferred payments

Accept recurring payments with Total Processing today

MCC 6012

If you’re running a credit or financially regulated activity, like accepting recurring payments, then this merchant code is required.

Real-time insights

Receive in-depth payment data for your business directly in Total Control – your bespoke business dashboard.

Total Control

With complete transaction visibility in real-time, you can manage your payments, receive a detailed report of your commercial activity and predict your revenue.

Fraud prevention

Keep ahead of fraudulent transactions with our suite of risk management services and chargeback defender designed to protect your business.

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 specific to their needs.

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 available for 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 high-risk 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 best suit your business.
A high-risk merchant account is a type of business bank account. It’s used to receive payments from debit and credit cards for your products or services if they are deemed to be in a high-risk sector. Payments are held in your merchant account until they are settled into your bank account.
High-risk merchant accounts tend to cost more than standard merchant accounts due to the extra threat of risk involved. There are many different high-risk ‘sectors’ and the cost can be influenced further if some of these sectors are judged to be less (or more) riskier than others.
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 amount of days and transferred to the merchant’s nominated business bank account. This timeframe is known as settlement days and varies depending on your acquirer.
Similar to opening a standard merchant account, you just need to fill out an application and one of our specialists will be in touch. You’ll be partnered with one of our banking partners who specialise in high-risk businesses to provide a merchant account that is suitable to your needs.