Home » High-Risk Merchant highriskpay.com – All You Need To Know About it

High-Risk Merchant highriskpay.com – All You Need To Know About it

If you are classified by a bank as a high-risk merchant, then you know that it is difficult to transact with all businesses. This is why you need a merchant account. Having a high-risk merchant account means you completely understand the risks involved with opening an account and avoiding bad credit. Having a high-risk merchant highriskpay.com is complicated to understand for new business owners.

In this article, we will give you the essentials. First, let’s get a basic idea about high risk merchant highriskpay.com.

Company Name High Risk Pay
Website  https://highriskpay.com/ 
Company Type Private
Industry Type Financial, Accounting Services
Operating Status Active
Address 27702 Crown Valley Pkwy Suite D4-120,

Ladera Ranch California 92694, USA

Contact No.  (800) 956-1277
Email At sales@highriskpay.com
Headquarters California, USA
Founded On 2nd April 1997. 

What Do You Mean By a High-Risk Merchant Account?

When you are termed a high–risk merchant, that means that your business has a higher-than-average transaction rate. This means that high-risk merchant highriskpay.com considers you to have a higher risk of fraud.

A high-risk merchant account with high-risk merchant highriskpay.com can help reduce the chargeback costs, fraudulent charges, and any other charges incurred by the merchant.

These accounts have a larger chance of being declined, especially for online businesses. An online business owner does not have a physical store, which makes it riskier for banks or transactional companies to trust them.

High-risk merchant highriskpay.com accounts exist so that businesses can get the extra support to protect themselves from fraudulent shoppers online.

Why Do You Need a High-Risk Merchant Highriskpay.com Account?

If your business has a history of fraud, high chargebacks, bad credit, or a chance of customer fraud, then you need a high-risk merchant highriskpay.com account.

Specific industries like subscription businesses, the adult industry, and others need these accounts to protect themselves from customer fraud.

Rates and Fees of High-Risk Merchant highriskpay.com

In case you are thinking about opting for High Risk Pay, it will be great if you get a basic idea about their rates and fees. Here are the amounts you need to know.

Type As Low Monthly Fee Transaction Fee
Adult Merchant 2.95% $9.95 $0.50
Internation 3.50%-6.95% $9.95 $0.50
High Risk 2.95% $9.95 $0.25
Internet Bad Credit 2.95% $9.95 $0.25
Phone / Mail Order Bad Credit 2.95% $9.95 $0.25
Retail bad Credit (Card Swipe) 2.49% $9.95 $0.25
Internet Good Credit 2.19% $9.95 $0.25
Phone / Mail Order Good Credit 2.19% $9.95 $0.25
Retail Good Credit (Card Swipe) 1.79% $9.95 $0.25

Now, let’s have an idea about what types of merchants high risk merchant highriskpay.com serve. Here they are.

  • Credit Repair Merchant Account.
  • Continuity Subscription Merchant Account.
  • Ecommerce Merchant Account.
  • Dating App Merchant Account.
  • CBD Merchant Account.
  • Bad Credit Merchant Account.
  • Adult Merchant Account.
  • Debt Collection Merchant Account.
  • Online Pharmacy Merchant Account.
  • MLM Merchant Account.
  • High Volume Merchant Account.
  • Firearm Merchant Account.
  • Nutraceutical Merchant Account.
  • Tech Support Merchant Account.
  • Sportsbook Merchant Account.
  • Travel Merchant Account.
  • Tickets brokers Merchant Account.
  • Dropshipping Merchant Account.
  • Startups Merchant Account.

What Documents Do You Need To Apply For a High-Risk Merchant Highriskpay.com Account?

To apply for a high-risk merchant highriskpay.com account, you need to submit the following documents:

1. Valid driving license

2. Proof of insurance coverage

3. Personal Identification Number (PIN) – a secret answer when using ATMs/Drive-through facilities. These should not contain any personal details such as name, address, or social security number. In case there is only 1 individual ownership, then this clause can be waivered

4. Business Registration Information: This includes the following:

(i) Article of Incorporation

(ii) Partnership agreements

(iii) Limited liability company articles

(iv) Documents showing that the business is active and you have the right to conduct financial transactions

How Does a High-Risk Merchant Highriskpay.com Account Work?

How Does a High-Risk Merchant highriskpay.com Account Work?

A high-risk merchant highriskpay.com account is a transactional arrangement between a business owner and a financial institution. The financial institution provides the business owner with the ability to accept payments from customers through its payment processing system. This system includes both credit and debit card clearance. The fees paid for the services depend on the volume of business done, the transactions completed and the risk level included.

The decision of the type of service and the requirements are at the discretion of the financial institution. Some banks may require you to be operational for a few years before you can be eligible, while some may only give you a high-risk merchant account if you have already faced fraudulent acts against your business.

Why Would Business Owners Be Considered High-Risk?

Business Owners Can Be Classified As High-Risk Due To The Following Factors:

1. Large Transactional Volume: If a merchant has a high volume of transactions (at least $20,000 per month or higher than $500 per transaction) then they can be considered a high-risk merchant highriskpay.com.

2. Has International Buyers: If the merchants sell their products internationally, especially to countries considered high-risk (excluding the USA, Canada, Australia, Japan, and EU countries). Then they are considered to be a high-risk merchant highriskpay.com account.

3. New Business Owners: If a business owner is new and has not processed any payments before or has a minimal history of processing transactions, then they can be considered as a high risk merchant highriskpay.com account.

4. High-risk industries: Even if a business owner has a spotless record, they may be in a high-risk industry. This is why they may be considered to be a high-risk merchant highriskpay.com account.

Examples of high-risk merchants are subscription-based companies, online gaming, the adult industry, travel agents, and vacation planners.

5. Low credit scores: If the business owner has a low credit score, then they can be considered a high-risk merchant highriskpay.com account. 

What Are The Types of Industries Considered To Be High-Risk Merchants Highriskpay.com?

Before setting up your business, it is best to know if it is considered to be a high-risk merchant highriskpay.com account. Some industries that fall into this category are the following.

  • Adult
  • Gambling
  • eCommerce
  • Online dating
  • Gaming
  • Debt collection
  • E-cigarettes, vape shops, and CBD
  • Multi-Level Marketing
  • Subscription services with recurring payment plans, and more

What Are The Advantages of a High-Risk Merchant Highriskpay.com Account?

Advantages of a High Risk Merchant highriskpay.com

(i) World Coverage:

With a high-risk merchant highriskpay.com account, you can access the international market. This means that you can start accepting transactions across the world via multiple currencies.

Your customers could be sitting in China or even Timbaktoo and order your products in their currencies.

(ii) Protecting Against Chargebacks:

When you have a high-risk merchant highriskpay.com account then you protect yourself from chargebacks. This increases your market value as a seller/business owner.

In case your account crosses the chargeback threshold, you do not need to terminate the account, just contact your service provider and get the chargeback amount increased.

(iii) Accepts Both Debit and Credit Card Payments:

Having a high-risk merchant highriskpay.com account means that you can easily accept both debit and credit card payments. Customers prefer paying with a credit card rather than a debit, especially with international brands.

This way you protect yourself and your customers from fraud.

(iv) Higher Security:

With a high-risk merchant highriskpay.com account, you ensure that your customer’s details are secure. High-risk merchants need to have higher clearance to run their businesses.

If this is not present, then they cannot complete online transactions. With this higher level of security, your customers and your business are both protected.

(v) Customers Are Satisfied:

With a high risk merchant highriskpay.com account, you provide your costumes with information about safety, credit and debit payment options, and local currency exchange facilities.

So, your customers are happy that they are getting the products while enjoying hassle-free payment options.

(FAQ) High-Risk Merchant highriskpay.com

1. What type of businesses can get a high-risk merchant highriskpay.com account? 

Any business owner can become a high risk merchant highriskpay.com account holder. They may have high-risk businesses or maybe start-ups. No business is pushed aside.

2. How long before I can use my high risk merchant highriskpay.com account?

It normally takes between 24-48 hours to activate the high-risk merchant highriskpay.com account. Post-activation setting up and shipment are immediately approved. 

3. What if I have a history of Bad Credit?

Even with bad credit history, you can get a high-risk merchant highriskpay.com account.

4. How do I receive the payment?

The payment from the customer is directly transferred into your checking account. The amount is usually transferred within 2 working days.


When choosing a high-risk merchant account provider then read your contract carefully. All banks and payment processing platforms have different terms and conditions for merchants they consider to be high-risk.

But, for a high risk merchant highriskpay.com account holder, you can have bad credit, have a foreclosure, or even declare bankruptcy – but your account will still be opened.

They do not consider a business owner to be fraudulent one due to the industry they function in, or the type of business they run. So, look into each payment processing platform and choose the one that supports your business the best.

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Richard Smith

I am Richard Smith from the USA. I’m an Email Marketing Specialist. I have my own blogging site blogest.org. where people will get all Paid Campaigns and Email Marketing and blogging information. I like to encourage and motivate the new youth generation who want to learn Digital Marketing.

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