Advertiser Disclosure

The Best High-Risk Merchant Account Providers

Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.

High Risk rubber stamp on white.

Just about everyone in business these days needs to be able to accept credit cards. Finding a reputable merchant account provider to process those credit card transactions for you can be a pretty daunting challenge for any business, but it’s even harder if you’re a high-risk merchant.

So, what is a high-risk merchant? In the simplest terms, it’s any business that for any reason presents an elevated risk of fraud to the credit card processor. While this is usually due to the nature of the business itself, it can also occur if the business owner has particularly bad credit or the business caters to customers that are deemed to present a higher risk of fraud. Every processor has its own set of criteria for deciding whether a business is classified as high-risk. Thus, a business might be deemed high-risk by one processor, but not by another. Examples of businesses that are normally classified as high-risk include those in the adult entertainment industry, e-cigarette and vape shops, and online gambling sites. Those seem pretty obvious, right? Well, there are also a lot of other categories of high-risk businesses that aren’t so obvious. Bankruptcy attorneys, for example, can be classified as high-risk – a good example of how your customers can put you in the high-risk category even if you have perfect credit yourself. Furniture stores are also sometimes classified as high-risk due to their large average ticket size. For a complete discussion of the high-risk merchant category and a full list of businesses that often fall into it, see our article on the subject.

The Best High-Risk Merchant Account Providers for 2018

PaymentcloudDurangoSoar PaymentsHost Merchant Services

Review Visit Site

Review Visit SiteReview Visit SiteReview Visit Site

General Purpose High-Risk, eCommerce, CBD Oil, Firearms & Ammunition, Adult, Credit Repair, Bad Credit, Vape/E-cigarettes, Airlines

International, Offshore, Credit Repair, Bad Credit, Vape/E-cigarettes, Fantasy Sports, ForexCredit Repair, E-cig/vape, Moving/Storage, Web Design, Antiques & Collectibles, Debt Consolidation, Precious MetalsDebt Collection, Life Coaching, Airlines, Loan Modification, SEO Services

How does being a high-risk merchant affect getting a merchant account? Quite frankly, it makes it a lot harder and more expensive. Despite the intense competition within the merchant account services industry, getting approved for a merchant account is never a sure thing. Providers have to balance the risk presented by a merchant applying for an account against the potential profit to be made from the account if it is approved. In most cases, they err on the conservative side of things, meaning high-risk merchants simply aren’t approved for an account.

Other providers will approve you, but you won’t get nearly as good a deal as a non-high-risk merchant would receive. Instead, you’ll pay higher processing rates and account fees, and you’ll usually be stuck with a long-term contract and an early termination fee. In some cases, you might also be required to put up a rolling reserve to get approved.

Merchant account providers that are willing to sign up high-risk merchants fall into two categories. On the one hand, there are the companies that directly market to high-risk merchants. Unfortunately, many of these companies are among the bottom-feeders in an industry that already has a reputation for being ethically-challenged. Look out for claims such as “instant approval” or similar gimmicks that suggest they’ll approve any merchant, regardless of their credit history or the nature of their business. Sign up with one of these companies, and you’ll be guaranteed to pay much higher rates and fees, be saddled with a long-term contract, and receive virtually no customer support or service after the sale.

On the other hand, there are a handful of companies that we call “high-risk specialists.” These are ethical, honest companies that have a lot of experience working with high-risk merchants and will do their best to get you a decent deal on a merchant account. Below, we’ve profiled six merchant account providers that deliver the best service to high-risk merchants. While there are a handful of other high-risk specialists out there, these are the ones that we feel offer the highest quality service available.

How We Chose

High-risk merchants have essentially the same needs as everyone else when it comes to selecting a merchant account – it’s just harder to find them if you’re in the high-risk category. High-risk retailers are going to want to have access to reliable, up-to-date credit card terminals, as well as possibly POS systems and mobile payments solutions. eCommerce merchants in the high-risk category will need a solid payment gateway, and possibly a virtual terminal to go with it. Integration with online shopping carts is another important feature.

You’ll also want the best pricing plans and contract terms you can get. Here’s where a dose of reality comes in. There are several truly outstanding merchant account providers that we’ve awarded 5-star ratings to, and with good reason. They offer low interchange-plus (or subscription) pricing, month-to-month contracts, and excellent customer service and support. Unfortunately, one of the ways they keep their costs down and can offer such great terms to their merchants is by avoiding the high-risk category altogether. In other words, you won’t get approved for an account with them if they decide that you fall into the high-risk category. Getting approved for a merchant account if you’re considered high-risk involves a few compromises. You won’t get the lowest rates. You will pay more in fees than a non-high-risk-merchant. And you probably won’t get a month-to-month contract (although sometimes you can successfully negotiate one). That said, the high-risk specialists we’ve identified below will usually be able to get you a deal that’s above the industry average, even if it’s not the best of the best.

We’ve identified the following criteria in evaluating our best high-risk merchant account providers. Here’s what we looked at:

  • High-risk specialization. This involves more than just marketing toward the high-risk sector. A true high-risk specialist will have a sales staff (preferably in-house) that’s trained and experienced in dealing with high-risk merchant accounts. Likewise, their customer service representatives will also be trained in working with high-risk accounts.
  • Hardware. Unless you’re running a purely eCommerce business, you’re going to need equipment to process card-present transactions. This could be a standard wired credit card terminal, a wireless terminal, a POS system, or a mobile smartphone-based system with a card reader and an app. Regardless of what type of hardware works best with your business, we highly recommend that you buy your equipment outright rather than leasing it. Standard terminal leases run for four years and are noncancelable, meaning you’ll have to buy out the remaining months of your lease if you close your account. Note that some providers offer a “free” terminal with your account. Be wary of this and read the fine print. While this offer might work out if you only need one terminal, you’ll often end up paying a higher monthly account fee (i.e., the terminal isn’t really free), and you could also be locked into a long-term contract with a hefty early termination fee. Don’t accept a magstripe-only card reader! With the switch to EMV, you’ll need equipment that can process both magstripe and EMV cards. Equipment that can process contactless payments using NFC (such as Apple Pay) is also a good idea as this type of payment method is rapidly gaining in popularity with consumers.
  • eCommerce support. If your business has an online presence, you’ll need a payment gateway to process your sales transactions. You might also want a virtual terminal to go with it, as this will allow you to input card-not-present transactions from any internet-connected device with a web browser. Card readers that connect to your computer via USB or Bluetooth expand the usefulness of a virtual terminal by allowing you to process card-present transactions as well.
  • Sales and advertising. Misleading sales gimmicks and dishonest sales agents are common problems in the merchant account provider industry. While we like to see full disclosure of contract terms, processing rates, and account fees right on a provider’s website, even the best high-risk specialists often fall short in this area. There’s a reason for this. High-risk specialists often work with multiple third-party processors to find one that can accommodate your needs. With each processor setting their own rates and terms, it’s practically impossible to spell out all the details on a website. You’ll want to work closely with your sales representative and negotiate to get the best terms available. Just be aware that as a high-risk merchant you’re not going to get as good a deal as a non-high-risk merchant.
  • Pricing. Costs associated with maintaining a merchant account include both processing rates and account fees. Processing rates are assessed on a per-transaction basis, while account fees are billed monthly or annually. Ordinarily, we recommend an interchange-plus pricing plan for processing rates over a usually more expensive tiered pricing plan. As a high-risk merchant, however, you will have a harder time getting approved for interchange-plus pricing. It’s still worth asking for during the negotiation process, though. Likewise, you can also expect to pay higher fees than a non-high-risk merchant would. For a more detailed look at rates and fees, see our Complete Guide to Credit Card Processing Rates and Fees.
  • Contracts. There has been a trend in recent years within the merchant accounts industry to do away with the standard three-year, automatically renewing contract and allow month-to-month contracts instead. Expensive early termination fees are also gradually being phased out as part of this trend. Unfortunately, as a high-risk merchant, you usually won’t be able to participate in this positive development. Providers are more likely to sign you up for the traditional long-term contract. It’s worth asking for when negotiating the terms of your account – just realize that the odds are usually going to be against you.
  • Customer support. This is a challenging area for many merchant account providers, especially when trying to provide 24/7 support by phone or email. Many of the better providers are increasingly putting more self-help resources right on their websites, including tutorials and articles explaining in detail how their service works. This allows merchants to solve some of the simpler problems so that support staff have time to deal with more complex issues. While some providers offer better customer service than others, all of our recommended high-risk processors exceed the industry average in this area.

With these criteria in mind, here’s a more in-depth look at six of our recommended high-risk merchant account providers:



PaymentCloud is headquartered in Sherman Oaks, California, and has been in business since 2010. The company specializes in placing high-risk businesses, relying on a network of third-party processors and acquiring banks to get you approved for an account. While they can’t place every merchant for one reason or another, they have a higher success rate than many of their competitors in getting merchants approved for an account. Best of all, they do the extra work required to accept a high-risk account without charging you any application or account setup fees.

Like almost all high-risk specialists, the company doesn’t disclose its processing rates or account fees, so you’ll have to get a quote from their sales team and do a little negotiating to see how their offer stacks up against other providers. For retail merchants, they’ve de-emphasized expensive credit card terminal leases and now offer a “free” EMV-compliant terminal with each account. Note that in this case, “free” means you’re free to use it for as long as you maintain your account, not that you can keep it even if you later close your account or switch providers. Nonetheless, it’s a pretty good deal if you’re a small business owner who only needs one terminal.

PaymentCloud also offers Authorize.Net (see our review) as their payment gateway, although their system is compatible with other third-party gateways as well. Additionally, they provide a free virtual terminal with each account. While their line-up of products and services isn’t as robust as some other providers, they offer all the essentials you’ll need for a small or medium-sized business.

The company doesn’t have a BBB profile, and we’ve found almost no complaints against them on the internet. Feedback from our readers has been overwhelmingly positive – something that’s quite rare in the processing world.

Lastly, PaymentCloud is now recommended by one of our favorite low-risk providers, Dharma Merchant Services (see our review). Dharma recently decided to stop accepting high-risk merchants themselves, and now refers inquiries from businesses in the high-risk category to PaymentCloud. To us, a recommendation from a company as highly respected as Dharma carries a lot of weight, and we give PaymentCloud a strong endorsement as well.


  • No application or account setup fees
  • “Free” credit card terminal with each retail account
  • Dedicated account manager for customer support


  • No online knowledgebase

Be sure to read our full review of PaymentCloud for more details.

Durango Merchant Services

We’ve listed Durango Merchant Services (see our review) first for a reason. Of all the merchant account providers who specialize in setting up accounts for high-risk merchants, they’re the best of the best. While they aren’t perfect, they are good enough that we even recommend them for non-high-risk merchants. Founded in 1999 and headquartered (naturally) in Durango, Colorado, they have an excellent reputation for honesty, fair rates, and great customer service and support.

Durango doesn’t try to set you up with expensive leases when it comes to processing equipment. Instead, they offer a variety of terminals for sale right on their website. Options include both wired and wireless models, with some offerings that support NFC payments. They also sell the iPS Mobile Card Terminal, which connects to a smartphone to provide mobile payments capability in conjunction with the iProcess mobile app. If you’re using a virtual terminal, they sell the MagTek DynaMag, a USB-connected magstripe card reader that attaches to your computer. Unfortunately, it’s Windows-only. Durango currently doesn’t offer any POS systems for sale.

Durango supports eCommerce through their proprietary Durango Payment Gateway, which integrates with the numerous processors the company uses and includes support for most of the popular online shopping carts. Durango’s gateway also features an Authorize.Net Emulator, which allows it to interface with any shopping cart that works with Authorize.Net. Pricing for the gateway is not disclosed.

Because Durango works with such a wide variety of third-party processors to set you up with a high-risk merchant account, they don’t list rates or fees on their website. These will vary tremendously depending on which processor they set you up with. While we normally like to see more transparency from merchant account providers, in this case, it’s understandable. Depending on your qualifications, you can expect either an interchange-plus pricing plan or a tiered one. Merchant accounts through Durango don’t seem to have standardized fees. Again, these will depend on the terms that your backend processor imposes.

Durango assigns a dedicated account manager to every one of their merchants, which means you’ll be talking to the same person every time you have an issue. While this can sometimes be problematic outside of normal business hours and when your account manager isn’t available, overall it provides a much higher level of service than you’ll get from a random customer service representative.


  • Direct sales of processing equipment
  • Reasonable rates and fees based on your business and your backend processor
  • Dedicated account manager for customer service and support


  • No support for POS systems
  • USB card reader not compatible with Mac computers

For more information about Durango Merchant Services, see our complete review here.

Host Merchant Services

Host Merchant Services (see our review) is a relative newcomer to the merchant accounts business, first opening in 2009. The company is headquartered in Newark, Delaware and has a second office in Naples, Florida. While they don’t specialize in high-risk accounts, their website lists several high-risk business categories that they can accommodate. Their interchange-plus-only pricing and a full range of products and services make them an excellent choice if you can get approved. A former web hosting company, HMS is ideally suited for eCommerce merchants. They use TSYS as their third-party processor.

For retail merchants, HMS offers a variety of Verifone and Equinox (formerly Hypercom) terminals. Terminals are offered for sale, and the company does not lease its equipment. While prices are not disclosed on the HMS website, you should be able to negotiate a very reasonable deal on terminals, especially if you need more than one. If you already have a compatible terminal, they’ll re-program it for free.

HMS offers a variety of POS systems that utilize either tablets or touchscreen displays. Choices range from an 8” tablet-based system up to a 17” touchscreen monitor. The company’s Starter, Plus, TouchStation Plus, and Custom POS options should fill the needs of just about any business that needs or wants a POS system.

If you need a mobile processing capability for your business, HMS has you covered, offering the ProcessNow mobile payments system via a partnership with TSYS. ProcessNow works with either iOS or Android phones, but the current card reader is magstripe-only and requires a headphone jack to plug into.

As a tech-focused company, eCommerce is HMS’ specialty. The company has recently introduced their proprietary Transaction Express payment gateway, which includes a free virtual terminal. HMS also supports a large number of third-party gateways, including Authorize.Net.

HMS uses interchange-plus pricing exclusively, which is a huge plus. While they don’t disclose their rates on their website, they’re based primarily on monthly processing volume and are very competitive. See our full review for more details. Fees are not disclosed either, but include a $24.00 annual fee, a $14.99 monthly account fee (which includes PCI compliance), a variable payment gateway fee ($5.00 per month for Transaction Express, $7.50 per month plus $0.05 per transaction for Authorize.Net) and the usual incidental fees (i.e., chargebacks, voice authorizations, etc.). Again, you might have to pay additional fees if you’re a high-risk merchant. Contracts are month-to-month with no early termination fee.

HMS provides customer service and support via 24/7 telephone and email. Chat is available through their website during regular business hours. They also feature an extensive collection of articles and blog posts on their site for customer education. Support quality appears to be well-above-average, based on the almost complete absence of complaints about it on the BBB and other consumer protection websites. Assuming that your business falls into one of the categories of high-risk activities that the company can accommodate, HMS is an excellent choice for a merchant account.


  • Full range of products and services for retail and eCommerce businesses
  • Exclusive interchange-plus pricing plans
  • Excellent customer service and support


  • Rates and fees not disclosed on website
  • Can only accommodate a small number of high-risk business categories
  • Mobile card reader not EMV-compliant

For more information, see our complete review.

Soar Payments

Based in Houston, Texas, Soar Payments is a relatively new company that’s been in business since 2015. They specialize in serving the high-risk community, but also have very competitive pricing and terms that are attractive to non-high-risk companies as well. Although they only offer tiered pricing to high-risk merchants, their rates and account fees are very competitive, and their customer service is above-average.

Soar works with about a dozen banks and processors to place high-risk merchants and can also set you up with an offshore account if you need one. While they offer a small selection of terminals, they’re mostly focused on eCommerce services. They use the NMI payment gateway, which can integrate with most of the more popular online shopping carts. The gateway also integrates with ChargebackArmour, an automated chargeback prevention and response program that will be particularly appealing to high-risk merchants.

You won’t have to pay an application or account setup fee with Soar Payments, even if you’re high-risk. You will, however, have to accept a tiered pricing plan. Rates start as low as 2.49% for qualified transactions. Although your rates will be higher as a high-risk merchant, they’re still reasonable and compare favorably with what the company’s competitors have to offer. You’ll have to pay $15.00 per month and an extra $0.25 per transaction for the use of the NMI gateway. You can also expect to have both a rolling reserve and a monthly minimum (which will vary from one merchant to the next) as part of your account. High-risk accounts have a standard two-year initial term, which will automatically renew for one-year periods after that. There’s also a $495 early termination fee, but this will be removed from your contract after your initial term is completed.

Overall, Soar Payments offers very competitive terms for high-risk merchants. For the most part, their pricing is quite reasonable, at least by high-risk standards. Our only concern is that the $0.25 per-transaction gateway charge could add up very quickly for eCommerce merchants who process a high number of transactions per month.


  • No setup or application fees
  • Competitive pricing for high-risk merchants
  • Very low complaint rate


  • Tiered pricing only
  • Limited selection of credit card terminals

For more details, check out our full review of Soar Payments.

Easy Pay Direct

Easy Pay Direct logo

Another Texas company, Easy Pay Direct is headquartered in Austin and has been in business since 2000. The company’s primary product is their proprietary EPD Gateway, but they also provide full-service merchant accounts for both high-risk and non-high-risk merchants. As always, high-risk merchants will have to pay a premium in terms of processing rates and account fees. However, the additional expense is entirely reasonable under the circumstances.

Like most high-risk specialists, Easy Pay Direct works with a variety of banks and processors to find one that’s a match for the needs of your business. You’ll have to pay a $99 account setup fee to get started, but considering the extra effort required to underwrite a high-risk merchant account, we feel the expense is justified in this case. Processing rates will be under a tiered pricing plan, but you should still have some room to negotiate your rates, especially if you have a high monthly processing volume. Contracts generally follow the industry standard, or a three-year initial term that automatically renews for one-year periods after that. One very positive feature about Easy Pay Direct’s contracts is that they do not have an early termination fee, even for high-risk businesses. While this isn’t quite the same thing as true month-to-month billing, it does make it much easier to close your account without penalty if you have to.

One unique feature offered by Easy Pay Direct is called load balancing, where a business can divide its incoming funds among multiple merchant accounts. This is particularly helpful for high-risk businesses that often exceed the monthly processing volume limits imposed by the processor underwriting their account. Just be aware that you’ll usually have to pay separate monthly fees for each account, so it might not be cost-effective for some merchants.

Although Easy Pay Direct doesn’t get as much attention as other, better-known processors, it’s a solid choice for merchants in the high-risk category. We particularly recommend the company for high-risk eCommerce businesses due to the robust feature set of their EPD Gateway.


  • Load balancing feature for high-risk merchants
  • No equipment leases
  • No early termination fee


  • $99 account setup fee
  • Three-year contract with automatic renewal clause

Check out our full review of Easy Pay Direct for more information.

SMB Global

SMB Global logo

SMB Global is a new high-risk provider that was spun off from one of our favorite providers, Payline Data (see our review) in 2016. Headquartered in South Jordan, Utah, SMB Global specializes in providing merchant accounts to high-risk and offshore businesses. Using a variety of backend processors, they’re able to approve a merchant account for almost any high-risk business (including those selling CBD oils). They have an excellent reputation for fair prices and top-notch customer service.

As a newly-established business, SMB Global is still a little rough around the edges, lacking a mobile processing system and credit card terminals for retail merchants. At the same time, they offer a full range of services for eCommerce merchants, including a choice between the NMI Gateway and Authorize.Net.

Because they work with so many banks and processors to get you approved for an account, the company doesn’t offer any pricing information. Processing rates, account fees, and contract terms will all vary widely depending on which backend processor is handling your account. While we highly recommend that you request an interchange-plus pricing plan, be prepared to have to accept a tiered plan instead, particularly if you have a low monthly processing volume or haven’t been in business for very long. Likewise, you can also expect to have a standard three-year contract with an automatic renewal clause and an early termination fee if you close your account early. As a high-risk merchant, you should be prepared to have a rolling reserve included in your account agreement.


  • Offers high-risk merchant accounts to a wide variety of industries
  • Reasonable pricing and contract terms
  • Excellent customer service


  • No mobile app
  • No information available about credit card terminals or POS systems

For a more detailed look at SMB Global, be sure to check out our full review.

Final Thoughts

Running a business is a challenging proposition in itself, but it’s even harder if you’re in a high-risk category. We’re all aware that a distressingly large number of new businesses will fail within the first few years of starting up. It’s not hard to believe that many traditional merchant account providers take advantage of this unfortunate reality with their long-term contracts, early termination fees, and expensive terminal leases.

If anything, new high-risk businesses are even more likely to fail than others, which is one reason merchant accounts are more expensive for them. All six of the providers we’ve profiled in this article are good choices for high-risk merchants. Which one is best for your particular business will depend on a number of factors, including your credit history, your processing history, and which high-risk business category you fall under.

Of the six providers we’ve profiled, Host Merchant Services offers the best pricing disclosures and service – if you’re in a high-risk category they support. For businesses that can’t get approved by HMS, Durango Merchant Services, SMB Global, and PaymentCloud are all excellent choices, and they can support a wider variety of business types. For eCommerce businesses, Host Merchant Services and Easy Pay Direct both provide first-rate service. Finally, Soar Payments and PaymentCloud are both good choices for smaller businesses looking to get started in credit card processing while paying a minimum in up-front costs.

Unlike most of our favorite low-risk providers, none of the companies we’ve profiled offer much in the way of specific information regarding rates, fees, or contract terms available to high-risk merchants. Be aware that the information they do provide on their websites usually applies to low-risk merchants, and you may or may not be eligible for similar terms. Our best advice is to do your research ahead of time, talk to sales representatives from the companies you’re interested in to see what they can offer you, and review your proposed contract thoroughly before signing up. Lastly, unless you have a long and stable processing history, most high-risk merchant accounts will require a rolling reserve. Just remember that your reserve will decrease over time as you build up a processing history.

If you’ve had any experience with any of our top high-risk merchant account providers, please feel free to leave a comment below.

PaymentcloudDurangoSoar PaymentsHost Merchant Services

Review Visit Site

Review Visit SiteReview Visit SiteReview Visit Site

General Purpose High-Risk, eCommerce, CBD Oil, Firearms & Ammunition, Adult, Credit Repair, Bad Credit, Vape/E-cigarettes, Airlines

International, Offshore, Credit Repair, Bad Credit, Vape/E-cigarettes, Fantasy Sports, ForexCredit Repair, E-cig/vape, Moving/Storage, Web Design, Antiques & Collectibles, Debt Consolidation, Precious MetalsDebt Collection, Life Coaching, Airlines, Loan Modification, SEO Services
Frank Kehl

Frank Kehl

Frank Kehl has been writing about merchant services, payment gateways, and international money transfer services since 2015. He has a Bachelor of Science degree from Penn State and a Juris Doctorate from the Ventura College of Law. After a long and enjoyable career of traveling around the world as an Air Force navigator, he’s comfortably settled down in the wine country town of Paso Robles in California’s scenic Central Coast region. He enjoys reading, photography, hiking, and numerous other outdoor pursuits.
Frank Kehl
Leave a comment


Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Tommy Ahlf

    Hi Frank, Thank you for your article. I am an ISO that is looking for acquiring banks and processing partners that will work with us to grow our high risk portfolio. Do you have any suggestions?

      Jessica Dinsmore

      Hi Tommy,

      We don’t review or have a relationship with any of the acquiring banks, so unfortunately we can’t offer you any advice. We wish you all the best!


        Your merchant payment processors reviews are great, but they do have one thing missing:
        Many of your readers are probably small, one-person operations, not incorporated or even registered businesses.

        Your reviews should include “Requirements To Open An Account”, stating whether your business needs to be a Registered business, or if it can be a “Doing Business As” type operation. You can also list other requirements.

        Roberto Santana
        Downline Farm


          Why are practically all of these companies resellers who “place” you with a different payment processor? Is there no list of payment processors and acquiring banks which you can deal with *directly*?

            Jessica Dinsmore

            Hi Nathanael,

            That’s a good question! Our impression from reviewing so many of these companies is that the big direct processors don’t want to be bothered with high-risk merchants – at least not by signing them up directly. As an individual high-risk merchant, you have virtually no bargaining power against these companies. A reseller that can sell hundreds – or even thousands – of accounts, on the other hand, can leverage their bargaining power to get pricing breaks that an individual business owner would never receive. That’s why so many of the resellers are less expensive than the direct processors they’re working with.

              Tanya Chi

              We are a crypto startup currently looking for a payment processing partner for our clients to have the benefit of buying crypto using their own credit card and thus need a solution for the same. Since crypto falls under high risk category- could you recommend a few EU companies that can help us to work and integrate within the European jurisdiction? Thanks beforehand.

                Jessica Dinsmore

                Hi Tanya,

                To be honest, this isn’t something we’ve researched much yet, so it may be a bit outside of our expertise, but I can say, that Durango is High-Risk processor that appears to support businesses in Europe. I’d suggest reaching out to them to see if they can accommodate your startup.


                  Hi there, have you ever heard of such a high-risk processor like PaySpacelv?
                  Do they trustworthy?

                    Jessica Dinsmore

                    Hi Royce,

                    We haven’t yet reviewed PaySpacelv, so we can’t confidently give an assessment one way or the other.

                      Matthew Cunha


                      im trying to find a merchant that will accept my business.

                      I provide my sports predictions to the public on a monthly subscription

                      do you have any recommendations?

                        This comment refers to an earlier version of this post and may be outdated.

                        Jessica Dinsmore

                        Hi Matthew,

                        Thanks for writing. All of the merchant account providers mentioned in the article are worth checking out. I think Durango should be able to accommodate your business type. Give them a call and see if they are a good fit. Best!

                          This comment refers to an earlier version of this post and may be outdated.


                          Would like to know which merchant is best for cbd hemp products ?

                            This comment refers to an earlier version of this post and may be outdated.


                            We are looking for a merchant account and payment gateway solution for e-commerce business of computers and software. My company will provide remote tech support services. The company is a new company and does not have any credit history or business history. However, the owner has a business history. He is already engaged in business but has had a credit card merchant account canceled in the past. Any recommendations?

                              This comment refers to an earlier version of this post and may be outdated.

                              Jessica Dinsmore

                              Hi Shuvael,

                              We don’t have enough info to make a solid recommendation, so I’d probably recommend CDGcommerce, and if you are denied, then you’d want to take a look at Instabill. Tech support can be tricky. Best of luck!

                                This comment refers to an earlier version of this post and may be outdated.


                                I tried contacting instabill and without hearing much about our business or the situation the “sales manager” immediately said she couldnt help us. She didnt work with banks that allowed “those types of transactions” Those types were our advertising PPC transactions. So much for them being helpful.

                                  This comment refers to an earlier version of this post and may be outdated.


                                  need merchant account

                                    This comment refers to an earlier version of this post and may be outdated.

                                    Jessica Dinsmore

                                    Hi Rob,

                                    Give our filtering tool a try to see which merchant account providers we suggest for your particular business.

                                      This comment refers to an earlier version of this post and may be outdated.


                                      Hi I need a virtual terminal for an online pharmacy and do not own a license for the same so is there a legit company who can offer me the virtual terminal facility to accept MOTO payments? it will be taken care of for the USA so the requirements for a USA citizen can be met.

                                        This comment refers to an earlier version of this post and may be outdated.

                                        Jessica Dinsmore

                                        Hi Navin,

                                        I’d suggest contacting Instabill to see if they can help you out. Good luck!

                                          This comment refers to an earlier version of this post and may be outdated.


                                          I’m having the hardest time finding clear recommendations anywhere for a list of high risk, low volume sale merchant account providers that are compatible with ebay.

                                          I sell on ebay under a lot of random categories. Just a few examples of the categories are vintage, antique, jewelry, new items… mainly I sell live cactus cuttings though. I sell about $2,500 to $3.000 a month with a $65. per item average. Paypal is no longer an option either.

                                          Please any help would be most appreciated. Thanks.

                                            This comment refers to an earlier version of this post and may be outdated.

                                            Jessica Dinsmore

                                            Hi Adam,

                                            It looks like ebay has a very short list of approved processors here.

                                              This comment refers to an earlier version of this post and may be outdated.


                                              Hiw do I find a independent sales agent who will submit my information to many many merchant prividers so I don’t have to?

                                                This comment refers to an earlier version of this post and may be outdated.

                                                Jessica Dinsmore

                                                Drew, I’ve never seen that in practice, but you can use a service like CardFellow that pretty much does the same thing.

                                                  This comment refers to an earlier version of this post and may be outdated.


                                                  What processor do you recommend for a Gentlemen’s club?

                                                    This comment refers to an earlier version of this post and may be outdated.

                                                    Jessica Dinsmore

                                                    Hi J,

                                                    All of the merchant account providers mentioned in the post you are commenting on cater to high risk businesses. We’d need more info to give you a recommendation, but you can give our filtering tool a try to see which one is best suited for your particular business.

                                                      This comment refers to an earlier version of this post and may be outdated.

                                                      VIDIT JAIN


                                                      WE ARE A TRAVEL AGENCY BASED IN NEW YORK NAMED PENNY FLY LLC .

                                                      LOOKING FORWARD TO HEAR FROM YOU .

                                                        This comment refers to an earlier version of this post and may be outdated.

                                                        Jessica Dinsmore

                                                        Hi Vidit,

                                                        Thank you for the question. At Merchant Maverick we don’t offer any processing services, but rather we review and rate them. Based on your requirements, I think Durango Merchant Services would be a great choice.

                                                          This comment refers to an earlier version of this post and may be outdated.


                                                          I’m starting a new coaching business. We’ll be selling high-ticket online services. We’re just starting out so I have no credit or transaction history. Any suggestions?

                                                            This comment refers to an earlier version of this post and may be outdated.

                                                            Jessica Dinsmore

                                                            Hi Roma,

                                                            This article which you’ve commented on actually has several good recommendations for your situation. I would say Durango Merchant Services or Payline Data will be your best bet.

                                                              This comment refers to an earlier version of this post and may be outdated.

                                                              MANOJ SHARMA

                                                              Hello there,

                                                              We are looking for a merchant account and payment gateway solutions for ecommerce business of computers, Softwares etc. Moreover we will provide remote tech support services also. The company is new company and not having any credit history and business history. However the owner has business history. He is already engaged in business of other verticals but not having credit card processing history. Could you suggest best solutions for the same.

                                                                This comment refers to an earlier version of this post and may be outdated.

                                                                Jessica Dinsmore

                                                                Thank you so much for the inquiry Manoj. I think Instabill would be your best choice in this case. They are well-versed in dealing with Tech Support businesses so I think you’ll have the best chance of success if you apply with them.

                                                                  This comment refers to an earlier version of this post and may be outdated.


                                                                  A very good and helpful article.

                                                                  We are trying to start up a collection agency in Europe, and I’ve been trying to find a merchant with virtual processing terminals for our agency. Merchant providers ask us for company transaction history, but we have none since we haven’t yet started to work. What should we do?

                                                                  Thank you

                                                                    This comment refers to an earlier version of this post and may be outdated.

                                                                    Chloe Bahal


                                                                    Thank you for reaching out. I would recommend taking a look at Durango Merchant Services and Instabill. I would encourage you to use the green “visit site” button within our reviews if you would like to support our work. I hope this helps and if you have further questions please don’t hesitate to let me know.

                                                                      This comment refers to an earlier version of this post and may be outdated.



                                                                      Thanks for all the help!

                                                                      I’m creating a skill-based gaming web application and am running into problems as well.
                                                                      Do you know of any solutions beyond the ones listed who could be of service?


                                                                        This comment refers to an earlier version of this post and may be outdated.

                                                                        Frank Kehl


                                                                        Check out our recent review of Easy Pay Direct. They’re another good high-risk provider.

                                                                          This comment refers to an earlier version of this post and may be outdated.


                                                                          I am trying to find a merchant! We are a online head shop, we sell water pipes and vaporizers. Problem is I believe either our Brand Name or our Website content may be preventing us from getting approved. We keep trying and getting denied. Any help or opinions would be greatly appreciated!

                                                                            This comment refers to an earlier version of this post and may be outdated.

                                                                            Frank Kehl


                                                                            Your line of business is going to be classified as high-risk by almost all providers. Any of the companies profiled in this article would be a good choice, but you might have a better chance of getting approved for an account with either Durango or Instabill.

                                                                              This comment refers to an earlier version of this post and may be outdated.

                                                                            Leave a Reply

                                                                            Your email address will not be published. Required fields are marked *

                                                                            Your Review

                                                                            Comment moderation is enabled. Your comment may take some time to appear.
                                                                            Please read the "User Review and Comment Policy" before posting.