HIGH RISK MERCHANT ACCOUNT

Payment Solutions for Any Business

Global acquiring

GLOBAL ACQUIRING

30+ Acquiring Banks

PCI compliant payment gateway

PAYMENT GATEWAY

80+ Payment Methods

Interchange++ Pricing Model

COMPETITIVE PRICING

Interchange++ Pricing

mulit-currency card processing

MULTI-CURRENCY

150+ Currencies

BOOST YOUR PROFITS BY ACCEPTING ONLINE CREDIT CARD PAYMENTS FROM GLOBAL CONSUMERS. WITH OUR COST-EFFECTIVE HIGH RISK MERCHANT ACCOUNT SOLUTIONS YOU WILL BE ABLE TO GROW YOUR BUSINESS BEYOND IMAGINATION.

LET OUR AGENTS ARRANGE AND PROVIDE HIGH RISK CREDIT CARD PROCESSING WITH A FIRST CLASS 24/7 SUPPORT.

Convenient & secure high risk processing

AT ONLINMERCHANTSHELP, WE PROVIDE ALL-IN-ONE CREDIT CARD PROCESSING SERVICES WITH A DEDICATED CUSTOMER SUPPORT AGENT AT YOUR DISPOSAL. OUR AWARD-WINNING SERVICE CONSISTS OF A DIRECT MID WITH ONE OF THE EU OR INTERNATIONAL ACQUIRING BANKS AND OF A PCI-COMPLIANT PAYMENT GATEWAY ACCESS WITH THE LATEST REPORTING TOOLS AND FULL API INTEGRATION.

ALL YOU NEED TO DO IS TO FILL OUT OUR QUICK APPLICATION FORM AND WAIT FOR US TO COME BACK TO YOU. ONCE APPROVED, YOU WILL BE ABLE TO ACCEPT CREDIT CARD PAYMENTS ON YOUR WEBSITE.

 

INCREDIBLY SECURE

Our top priority is to protect our merchants, banking partners and cardholders from fraudulent transactions.To do so, we offer first-class built-in fraud prevention tools and risk mechanisms to ensure you and your customers the highest level of security.

FRIENDLY PRICING

We know your business is unique and we will offer you an unique and suitable credit card processing solution for highly competitive rates. If you don't believe we offer the lowest rates on the market, just give us a price and we will beat it.

startups welcome

Are you new in business without any credit card processing history? No problem, we will examine your specific case and find you the most suitable high risk merchant account solution. Our dedicated customer support team will be delighted to hear from you and answer all of your questions. So, don't hesitate and apply today.

rates from
0,95%
INTERCHANGE++ PRICING
transaction fee
0,20€
NO TRANSACTION LIMITS
NO SETUP FEE
NO MONTHLY FEE
24h PRE-APPROVAL

COMMON HIGH RISK INDUSTRIES:

There are many factors examined by banks and payment providers when classifying a merchant as high risk. The most common factor is  the amount of chargebacks you are facing during the normal course of business, as a lot of transaction cancellations and chargeback requests are indicators for possible fraud. Besides that, some industries are automatically considered high risk because of their historic connection to being a part of sketchy industries, for example gambling / gaming industry.

Another factor that may label your business as high risk, is how long your business has been around. If you are a startup business or you operate in a relatively new industry, it won’t be easy to prove your sustainability over time. Every merchant account provider is looking for a successful business that has a solid track record and at least 6 months processing history.Lastly, a big factor that plays role in labelling your business high risk is also if you deal with high monthly sales volume.

  • Travel
  • Insurance
  • Nutraceutical
  • Software
  • E-books
  • Tobacco
  • Electronics
  • Jewelry
  • Forex, Binary Options
  • Adult Content
  • Gaming / Gambilng
  • Multi Level Marketing

WANT TO ACCEPT CARD PAYMENTS ONLINE?

WHY ARE YOUR CHARGEBACK LEVELS SO IMPORTANT?

The two most popular card associations, Visa and MasterCard, carefully scrutinize each business’s chargeback activity, and take action when they think that the chargeback levels are getting too risky. If so, your payment provider faces potential Visa/Mastercard fines, if they still let you to process. As those fines are in the tens of thousands of dollars, most payment processors will terminate your merchant account as soon as they see your chargeback levels have increased over the threshold.

Besides that, a lot of chargebacks can implicate that there is something wrong with your business (e.g. fraud, customer dissatisfaction…) what will probably lead to significant financial losses for the processor. So, the key to keep your merchant account from termination is to keep your ratio to minimum.

HOW TO CALCULATE A CHARGEBACK RATIO?

Firstly, you need to know that every chargeback that has been initiated counts as a chargeback. The fact that you have won, lose or even didn’t fight it, doesn’t matter. Neither does the dollar amount of the chargeback.

Secondly, note that each of the most popular card networks, MasterCard and Visa, are calculating chargeback ratio in different way. MasterCard divides the number of chargebacks filed in the current month by the number of transactions made in the previous month. That means that 1 chargeback filed in July divided by 100 transactions in June equals to 1% chargeback ratio, regardless you whether or not you win or lose those chargeback disputes.

On the other hand, Visa divides the number of chargebacks filed in the current month by number of transactions made in the current month. That means that 1 chargeback filed in July divided by 100 transactions in July equals to 1% chargeback ratio, regardless you whether or not you win or lose those chargeback disputes.

HOW TO LOWER YOUR RISK PROFILE?

Firstly, you definitely need to reduce your chargebacks. Chargebacks are always bad news, as they will cost you a lot of money and reputation. Besides that, you will be facing difficulties why applying for a merchant account, as your risk profile will be high and most banks and ISOs won't take a risk to work with you. That's why putting some effort in lowering your chargeback levels will instantly pay off. The best way to do so is by having superior customer support service, providing sufficient information about your products and services on your website and using a reliable shipping company with tracking system. For more information, please read our blog.

The second ver important step is to secure your transactions. In any online business there is a big chance of data theft and other fraudulent activities that will eventually lead to chargebacks and cost you a lot of money. Adding a fraud protection service to your transactions will definitely pay off and minimize your expenses. At OnlineMerchantsHelp we will offer you first class fraud & risk management services with 100+ anti fraud & risk screening checks and filters. With our knowledge of your industry and with our decade long experience in credit card processing, we can help you to protect your business from fraudulent transactions. Read more

Our preferred acquiring partners have obtained numerous awards such as:

30+ acuiring banking partner

OnlineMerchantsHelp.com is a registered ISO with over 30 Acquiring Banks

VISA, Mastercard, PCI Compliant payment gaeway