High-Risk Merchant Accounts & Processing
Secure, accessible payment solutions and card processing for high-risk industries.
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:
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:
Foreign Exchange (Forex) Merchant Account/Services
Online Gaming and Gambling
Credit Repair and Debt Management
Events and Tickets
Prepaid Phone Cards
Tobacco and E-Cigs
Vehicle Sales and Car Parts
Lender Merchant Account & Services
PPI Merchant Accounts & Services
Travel and Tourism
Health and Wellness Products
ISP and Hosting Services
Direct Sales and Pyramid Selling
Technical Support & Web Development
Jewellery, Watches & Accessories
Nightclubs and Bars
Phone Locking Services
Get a high-risk merchant account with ease
Leading high-risk merchant
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:
Accept recurring payments with Total Processing today
If you’re running a credit or financially regulated activity, like accepting recurring payments, then this merchant code is required.
Receive in-depth payment data for your business directly in Total Control – your bespoke business dashboard.
With complete transaction visibility in real-time, you can manage your payments, receive a detailed report of your commercial activity and predict your revenue.
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