High Risk Merchant Accounts from Leading UK Providers - Total Processing
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Get Accepted For the Best High Risk Merchant Accounts

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:

  • 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: 

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

What Our Customers Have to Say

Fraud Prevention

Our gateway comes pre-charged with intuitive ways of sniffing fraud before you!

AVS Checking

Address verification service allows you to see if your cardholder knows their address..

MCC 6012

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

Enhanced reporting

Gateway interface gives you payment data in real-time
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About Us

We’re a team of experienced, friendly professionals who pride ourselves on our unique combination of technical expertise, business acumen, and fantastic customer service. Established in 2015, the team at Total Processing works closely with businesses of all shapes and sizes to create finely tuned advanced payment solutions that result in tangible improvements to revenue and online conversions.

Total Processing Limited

Address: Ground Floor, Adamson House, Towers Business Park, Wilmslow Road, Didsbury, Manchester, M20 2YY

Phone: 0330 122 6418

Email: sales@totalprocessing.com