Get High-Risk & Low-Risk Merchant Solutions
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Get Secure Merchant Accounts.
At PayMT Pro Merchant Services, we specialize in securing merchant accounts for non-traditional and high-risk businesses. Our dedicated team helps you navigate industry challenges, offering customized solutions to ensure your business thrives.
Benefits
The benefits you will get on our platform
We specialize in offering merchant accounts for non-traditional and high-risk businesses that might be harder to place elsewhere.
No single framework or central authority governs risk factors in the payments industry. Instead, each payment processor, bank, and service provider sets its own standards. We’re here to assist you in tackling your unique challenges to secure a high-risk merchant account.
- Minimum Rates
- Dedicated Account Manager
- Friendly Support Team
How To Secure a High Risk Merchant Account?
High-risk merchant accounts aren’t uniform agreements by design. Various factors prompt businesses to seek them, and your unique situation dictates the approach to securing high-risk credit card processing. PayMT Pro Merchant Services specialists will assist in navigating the criteria and choices, aiming primarily to offer approval options.
- 1. Request a Free No Obligation Quote
- 2. Speak to a Merchant Account Expert and submit required documents and application
- 3. Get Approved by a Processing Bank in Our Network
- 4. Gateway Setup and System Integrations
Low Risk
When it comes to credit card processing, certain industries are considered low risk, while others are considered high risk.
Some examples of low risk Industries
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Retail
Physical stores that sell tangible goods, such as clothing or electronics, are typically considered low risk.
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Professional Services
Industries like law firms, dental offices, and accounting practices are also generally considered low risk.
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B2B
Business-to-business transactions, where one company is selling products or services to another company, are often considered low risk.
Moderate Risk
In the world of credit card processing, risk refers to the likelihood that a transaction will be declined or result in a chargeback. Moderate risk businesses are those that fall somewhere in the middle – they’re not as low risk as businesses that sell tangible goods, but they’re not as high risk as businesses that sell digital products or services.
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Examples of moderate risk businesses might include
Subscription-based services, online ticket sales, or e-commerce stores that sell a mix of physical and digital products. These businesses may face a slightly higher risk of chargebacks or declined transactions, but with low chargeback rates and good business practices they can still successfully find good rate for credit card processing.
High Risk
Let us guess… You’re here because you are struggling with chargebacks, can’t get approved, have been labelled “high risk”, had your account cancelled, or just want to get a better processing rate.
We work with dozens of processors to make sure you get the BEST RATE POSSIBLE, but our true claim to fame is that we’re TRANSPARENT. We think BS is… well BS… so we shoot you straight and put the power back in your hands. It is YOUR business after all.
We know the pain of lost business. We know the frustration of chargebacks and fraud holds. We understand the frustration of losing hard-earned money to high fees, and we know what it’s like to have an account cancelled – losing a lifeline to your livelihood. If you’ve been cancelled, have excessive deposits, or simply need a better processing rate, you’ve come to the right place !
Get Merchant Account Today
We know the frustration of chargebacks and fraud holds. We understand the frustration of losing hard-earned money to high fees
Clients Who Trust Us
John M
I was really struggling to get a merchant account after a few chargebacks shut down my last processor. PayMT Pro walked me through everything, explained exactly what we needed, and got us approved way faster than I expected. The entire process felt smooth and legit — no nonsense, just real help.
Sarah L
PayMT Pro was exactly what my online store needed. We sell gadgets and accessories, and integrations with Shopify and our cart were super easy. I appreciate how they focus on fraud protection and keeping checkout working smoothly — my conversions actually improved!
Marcus R
I’ve dealt with so many processors who ghosted me after signup. PayMT Pro’s team actually answers the phone and checks in. Our payment setup is stable, and their transparent pricing means no surprise fees at the end of the month. Real trust here.
Emily K
Our online clothing store needed a better payment partner, and PayMT Pro delivered. Setup took a couple of days, but once live, everything just worked. Support could reply faster, but overall a solid service that actually solved our high-risk issues.
David J
These guys understood what our debt consolidation business needed when no one else did. Secure payments, recurring billing support, and real fraud monitoring tools helped us focus on clients, not payment headaches. Definitely recommended.
Olivia T
After getting rejected by a couple of processors, PayMT Pro gave us a clear roadmap and realistic expectations. They got us approved and set up with fraud tools that actually work. Really helps to have that peace of mind as a founder.
Frequently Asked Questions About High-Risk Merchant Accounts
What is a high-risk merchant account, and why might I need one?
A high-risk merchant account is a special type of merchant account designed for businesses that are viewed as higher risk by banks and payment processors (due to chargebacks, regulation, or industry). These accounts allow such businesses to accept credit and debit card payments, albeit often with stricter terms and higher fees.
How can I apply for merchant account services if my business is deemed risky?
To apply for merchant account approval, you’ll typically submit an application with business documentation, bank statements, and projected processing volumes. The provider will review the underwriter criteria. If approved, you’ll get account access, which may be conditional.
What features should I look for in a high-risk payment gateway?
A high-risk payment gateway should offer fraud protection tools, chargeback management, multi-currency support, robust security (PCI compliance, tokenization), and strong integration options. These features help safeguard your transactions and reduce risk exposure.
Is it difficult to open a merchant account if my industry is seen as high risk?
Yes, opening a merchant account in certain verticals may be more challenging than in low-risk industries, but it’s still possible. Payment providers focused on high-risk sectors get what you’re looking for and might have approval criteria that suit your needs, along with more flexible terms.
What should I expect in terms of credit card processing for high-risk merchant accounts?
When it comes to credit card processing for high-risk merchant accounts, you can expect to pay higher fees per transaction, have rolling reserves, and get more detailed monthly reports. The goal is to reduce the risk of chargebacks and fraud in high-risk businesses.
Can I get a high-risk merchant account with instant approval?
High-risk merchant account instant approval is mostly a marketing claim, not a guarantee. Some providers offer quicker decisions for low-risk areas, but full approval requires underwriting, verification, and review.
What services fall under high-risk merchant services?
High-risk merchant services offer payment gateway access, chargeback and fraud protection, risk monitoring, currency conversion, and industry-specific reporting for sectors typically avoided by traditional processors.
Does PayMT Pro guarantee merchant account approval?
While no provider can guarantee 100% acceptance, some feature pages may claim “guaranteed merchant account approval.” In reality, the final decision is based on your business’s documentation, history, and risk profile.
How do I get merchant account access for my business?
You can get merchant account access by choosing a provider that works with your vertical, completing the application process, and submitting the required documentation. After underwriting, if approved, you’ll be connected to processing tools to accept payments.
What’s different about high-risk credit card processing compared to standard processing?
High-risk credit card processing involves stricter compliance checks, higher transaction fees, rolling reserves, and more active risk management. The goal is to balance the increased liability with safeguards against fraud and chargebacks.
What are High Risk Merchant Solutions, and how do they help?
High Risk Merchant Solutions provides a package of services gateway, processing, fraud tools, and support, specifically for high-risk industries. They help you manage payments efficiently without the need to work with multiple vendors.