High-Risk Merchant Account Providers

High-Risk Merchant Account Provider Notes
Ccbill 0ff34c2b5faa5db709c52169fa5de7e073ec67b444339fb94662d8532e5e1dc3 Not supported: online tech support, gambling, prescription drugs. More info »
Instabill c4e039410182a694e859d1d10b43c52c340304ee837db9b7d6c8b7fbac5203a1 More info »
Gspay 9961681d78a6e651efad7cff28b56236762b073afddfc483ad469d60ae737889 More info »
Verotel 286384d4d85e3a3afcf91593f3e335aadc6bc58613e899b9072b05c5d81581fc More info »
Ccnetpay b2e4474cb3e2ec1f534b505dee3615b54a1328abff67eb89bc6114865c489595 More info »
Zombaio 31a4a5f474e203577111772ba1ec95a564fb417f69e1d500eae92cab16e145ac More info »
Epoch eee7804b5f6855a96c6b134cd8fdb9accfb914419a61c47e87db9ae3569fd5e9 More info »
Payworld 067788f820f7e2a832ef6c2f6d86b589423917e19174de7c7839b4f4b67232cb More info »

What is a High-Risk Merchant Account?

Major merchant account providers such as Streamline and the highstreet banks consider certain business sectors high-risk and generally refuse to provide merchant accounts to them.

A high-risk merchant account is a merchant account provided to a business in one of these sectors.

Some providers specialise in providing merchant services to these sectors.

High-Risk Sectors

Industries often considered to be 'high-risk' include, amongst others:

  • alcohol
  • tobacco and electronic cigarettes
  • drugs and drug products (including prescriptions)
  • nutraceuticals
  • airline, travel, tourism and lodging
  • debt management and collection agencies
  • payday loans
  • gambling
  • foreign exchange (Forex)
  • e-wallets
  • pyramid selling
  • dating and escort services
  • adult entertainment
  • timeshares and holiday clubs
  • tech support
  • money-making products and services
  • charities
  • monthly memberships and subscription services
  • insurance
  • jewellery
  • software
  • advertising services
  • online auctions
  • events and tickets
  • penny auctions
  • file sharing
  • VPN
  • affiliate marketing

What are the Downsides to a High-Risk Merchant Account?

Compared to a standard merchant account, a high-risk merchant account will impose one or more terms that are less favourable than with a regular merchant account.

For example:

  • setup fees
  • a minimum monthly number of transactions
  • higher transaction fees
  • a longer settlement period
  • a rolling reserve
  • an annual fee