High Risk Merchant Accounts & Processing

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

Get a Quote

Do I Need a High Risk Merchant Account?

If your business falls into one of the sectors classed as high risk, you may find it more difficult to obtain a merchant account in order to accept credit and debit card payments online. In this case, 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 have established long-term, trusted relationships with a number of merchant banks; so after establishing your requirements, we will put your account application forward to the best high risk merchant account provider for your needs.

You are likely to be classed as a high risk merchant if you fall into one of the following categories:
• CBD 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.

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:
• Hotlists 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.

Luckily, our partnered acquirers have worked with us for some time and we have established strong relationships with them. They are therefore 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

MCC 6012

If you're running a credit or financially regulated activity this is required.

Total Control - Live Insights

Our bespoke CRM dashboard gives you a complete overview of your commercial activity.

Fraud Prevention

Powerful security technology running around the clock to protect your business. Our propietary systems will verify transaction data and settle disputes at all times.

Ready to start accepting payments?

The all-in-one solution for your business. Apply now or create a test account to demo our powerful suite of features.