High Risk

Many payment processors do not take on high risk businesses because they fear for their bottom line. At MerchACT, the crux of our business is to provide companies of all size, no matter the risk with fast and affordable merchant account solutions. We have worked with high risk merchants for close to 15 years and have handled billions of dollars in sales via our online payment processing solutions.

  • Cost Effective Ecommerce Solutions
  • Multi Currency Option for high risk merchants worldwide
  • Access to a Worldwide Market
  • Reliable Payment Gateway for secure transactions
  • Credit Card Scam and Fraud Protection
  • Recurring Billing Options for high risk merchants
  • SSL Encrypted Servers
  • Safe and Simple API System
  • All Major Credit Card Acceptance
  • High Volume Merchant Account Facility
APPLY FOR A MERCHACT ACCOUNT NOW *Free, no obligation merchant account consultation.
Is your business high risk?

To determine whether you business is considered ‘high risk’, you must examine your operations. Businesses that operate a card-not-present, mail order or telephone enterprise are thought to be high risk. If you work with a business model that deals with a free trial followed by a recurring payment, you are considered high risk. Additionally, if your products fluctuate in volume due to seasonal revenue or the average ticket price that you offer is over $100.00, you’re running a high risk business.

Finally, high risk businesses are also those that have experienced rapid growth, require multi-currency processing and/or have had issues in the past with chargebacks. The nature of the industry your business operates in also plays a role in your risk level, The following industries are considered high risk:

    • Dating sites
    • Health and Wellness products
    • Bitcoin products and services
    • Adult memberships, products, services
    • Travel
    • Multi-level Marketing (MLM)
    • Infomercials
    • Buying, shopping clubs, wholesale clubs
    • Unique business models
What are the benefits of a high risk merchant account?

MerchACT offers cost effective ecommerce solutions for high risk merchants because we have access to a world wide market and can provide your business with multi-currency options. There are many benefits to our high risk merchant accounts such as:

    • Reliable payment gateway with secure transactions
    • Credit card scam and fraud protection
    • Recurring billing options
    • Safe and simple API system
    • SSL encrypted servers
    • High volume merchant account facility
    • All major credit card acceptance
Why choose MerchACT

Besides the aforementioned benefits, working with us comes with a guarantee of honesty, accountability and transparency. There are no application and set up fees and we have a long standing of quality within the industry. Our name is known throughout the world and we have helped high risk businesses of all sizes establish a domestic and international presence in their respected industries.

If MerchACT cannot get your business set up with a merchant account, no one can. Our industry expertise allows us to solve any issues you are facing. We will match you with the right merchant bank and offer continuous account support to ensure that your business enjoys the right payment processing solution.

We are the leading provider of high risk US and offshore credit card accounts for a reason: We understand high risk merchant accounts allowing you to focus on your business while we deal with everything else.

Contact us today to get started. The international market awaits!

Am I a High Risk?

Being a high risk business largely depends on the nature of the industry you operate. Generally, you are considered high risk if you have the following traits:

  • You operate a card-not-present, mail order or telephone business
  • You offer a unique business model that a typical bank may not understand i.e. a Bitcoin mining product/service
  • You have experienced rapid growth and need more volume or additional merchant accounts
  • You have had issues with chargebacks in the past and may not be in good standing with the card associations
  • You operate in a high risk industry such as free trial.
  • You offer a free trial followed by a recurring monthly payment
  • Flucuating volume due to seasonal revenue
  • Your average ticket is over $100.00
  • You sell to customers worldwide and need multicurrency processing
Industries that are Considered High Risk

  • High Volume Merchants
  • Free Trial Followed by Recurring Billing
  • Health and Wellness Products
  • Dating Websites
  • Bitcoin Products and Services
  • Buying / Shopping Clubs / Wholesale Clubs
  • Adult memberships, Products or Services
  • Travel companies
  • Multi-level Marketing
  • Informercials
  • Unique Business Models
What MerchACT can do for you

  1. Review your current payment processing situation
  2. Discuss your growth projections and current volume caps
  3. Put together a plan that will help you achieve your goals
  4. Provide ongoing review of your merchant accounts to ensure good standing
  5. Act as your merchant advocate should any issue arise
  6. Look at other options to ensure that you’re getting the latest industry trends
  • Review Current StatusTalk with one of our friendly MerchACT advisors who will assess your current situation and advise you with the right solution for your business requirements.
  • Secure New Merchant AccountTalk with one of our friendly MerchACT advisors who will assess your current situation and advise you with the right solution for your business requirements.
  • Ongoing Account ManagementTalk with one of our friendly MerchACT advisors who will assess your current situation and advise you with the right solution for your business requirements.
you’re approvedGET STARTED NOW!

Online Payment Processing is not a one-size-fits all industry. Tell us your business model, and let us do the rest.

Why choose Merchact?

Experience quality merchant services and more, see why you should choose MerchACT.

    • We offer a wide variety of complete and quality merchant processing platform suited to your business needs

      MerchACT offers in-house support of your merchant account, PCI compliant gateway, fraud tools, chargeback management, and reporting. You do not need multiple vendors because we follow up periodically to ensure that everything you can possibly need are met.

    • We don’t require application and set up fees

      While most processors charge and application fee, we make sure to give you the most affordable service we can offer. We’re in for the long haul, we’re more interested in merchant partnerships above anything else.

    • We have a remarkable history in the industry

      With our 14+ years in working with card-not-present merchants, we have already been equipped with the right solutions to every unique business model’s demands. Let us know your needs and we will package an efficient payment processing service that best suits your specific requirements

    • We cater our services to both high and low risk merchant services

      Help us determine which bank is best suited for your business by giving us a complete picture. Whether you’re a low or high risk business model, we’ll help you speed up the transaction

    • We value transparency

      We value transparency when it comes to working with our clients. We will let you know exactly all the fees you are responsible for as well as the terms of our working agreement that will be upfront.

    • We directly process your merchant accounts

      As much as it is important for you to know where your money is going, it is also critical for you to understand who is responsible for your account. With MerchACT, you will know who your merchant account relationship is with.

    • We guarantee honesty and accountability on all of our transactions

      We aim to establish and maintain long-standing merchant bank relationships based on honesty and accountability. You are our partner in this and not just a merchant

    • We serve merchants from all over the world

      We provide efficient merchant account services for business of all sizes, anywhere in the world.

    • We help you take advantage of both local and international industries

      Let us review your business model to determine which merchant account is suited for your business

    • We help you address your payment processing concerns

      Problems with fraud and chargebacks can’t be avoided that’s why we can guarantee you our participation in helping you pinpoint and resolve issues concerning your account. We will be more than willing to assist you because your success is our business.


Thank you for registering with Merchact! Our representative will contact you shortly. Please expect a response within 48 hours. Thank you and we look forward to working with you.


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