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STRATEGIES & SOLUTIONS FOR INCREASING SALES & PROFITS!
What is a High Risk Merchant Account?
A High-Risk Merchant Account is a Payment Processing Account for Businesses Considered to Be of high risk to the banks. As high-risk businesses are more prone to chargebacks, they come with the need for paying higher fees for merchant services....UNTIL NOW!
Choosing the Right Processor
Traditional Merchant Service Providers often say they can provide processing services to just about any industry or merchant type. But the risk comes when they modify your application to try to get it through underwriting and approval, and shortly after getting your business up and going, you get a notification from the processor saying that your rate, terms of service, or a request for a reserve has been placed to continue to do business (or worst of all...Funds have been frozen!). Through our marketing partnership with IC Plus Merchant Services and their Processing Partners, we can now comfortably connect High Risk Industry Companies with processing that you can count on without any surprises!
List of High Risk Business Types
Here’s a list of some “high risk” business types that might require a high risk merchant account.
• 1-800 Type Chat Sites
• Airlines
• Airplane Charters
• ALL Sexual Oriented or Pornographic Merchants: (i.e. companion or escort services,
adult telephone conversations, adult book stores, dating services, online adult
membership or matchmaker services, adult paraphernalia or toys.)
• Amazon, Yahoo or Google Stores
• Annual Contracts
• Antiques
• Auctions
• Automotive Brokers
• Bankruptcy Attorneys
• Brokering
• “Business Opportunities”
• Calling cards
• Casino, gambling or gaming
• Check Cashing Sservices
• Cigarette or electronic-cigarette sales or nicotine cartridges
• Coins, collectible currency or autographed collectibles
• Collection Agencies
• Coupons or rewards-points program
• Credit or Debt repair
• Credit Counseling
• Credit Protection
• Debt Collection
• Direct Selling
• Discount health – medical care programs
• Debt consolidation
• Drug paraphernalia
• eBay Store
• E-Books (copywritten material)
• Electronics
• Event ticket brokers (unlicensed – non registered (i.e. Stub Hub )
• Exporting services (non US based)
• Fantasy sports websites
• Federal Firearms License (FFL) dealers
• Finance broker, financial consulting or loan modification services
• Indirect financial consulting (i.e. How to Save Money by Lowering...)
• Financial planning, strategy or advising
• “Get rich quick” – books, programs, etc…
• High average tickets
• “How-To” type websites (i.e. “Learn How-To Make Money on ...)
• Horoscopes, astrology or psychic services (i.e. fortune tellers)
• “Hype” products or services
• Hypnotists or self-hypnosis
• International merchants (non US based)
• International Shipping, Cargo or Import/Export
• Investment Firms
• Investment Strategy
• Investment Books
• Lawyer referral services
• Life Coaching
• Lingerie sales
• Lotteries
• Magazine sales and subscriptions
• Mail Order
• Membership organizations (over 12 months)
• Merchants on the terminated merchant file (TMF list)
• Modeling agencies
• Multi-currencies
• Multi-level marketing (MLM)
• Music, movie, software downloads or uploads
• Non US citizens
• Off-shore corp. establishment services
• Pawn Shops
• Poor Credit
• Prepaid debit cards
• In-bound or outbound telemarketing services
• Real Estate
• Replica handbags, watches, wallets, sunglasses etc… (knock-offs)
• Self defense, pepper spray, mace, etc.
• SEO services
• Social networking sites – Facebook, Twitter, MySpace etc…
• Sports forecasting or odds making/betting
• Talent Agencies
• Telecommunications
• Telephone companies
• Telephone Order
• Third-party processing, factoring merchants
• Time-shares or time-shares advertising
• Tour Operators
• Travel Services
• Travel Agencies
• Travel Clubs
• Vacation Planners
• Vacation Rentals (unless property is owned by merchant)
• Vitamin and supplement sales – diet pills, prescription pills, health supplements,
Pharmacy
• VOIP services
• Extended warranty companies
• Weapons of any kind – guns, knives, stun guns, or ammo. Includes any parts of
weapons (i.e. butts, triggers, magazines, etc.)