What makes a business High Risk?

Each bank, account service provider, and payment processor establishes its own criteria for identifying “high-risk” merchants. Typically, there are two key elements to take into account: your industry (certain verticals are less secure or stable than others), and your financial profile (credit history, past performance, etc.).

IntegralPay helps compliant businesses in “high-risk” industries obtain merchant account services through our partner network of acquirers and PSPs. Choosing the right payment provider can be a real challenge for merchants in these industries. However, IntegralPay is here to help leverage our years of experience and leverage long-term partnerships to help your business grow.

For our complete list of High Risk businesses please check out our Restricted and Prohibited Businesses list.

Advantages of a High Risk Merchant Account

Chargeback and Fraud Protection

High-risk payment processors can assist you in putting the greatest security measures in place to safeguard both you and them. Our extensive knowledge and the help of our acquiring partners and PSPs can assist you in ensuring the safety and protection of your cardholders’ sensitive information.

Reduced risk of account closure

You won’t face the same danger of termination as with regular processors in the event of a brief surge in the number of chargebacks or a rapid increase in transaction volume. At IntegralPay, we work with acquirers and PSPs so that your accounts remain open and healthy.

Easy access to International markets

Standard payment processors avoid dealing with foreign exchange and numerous currencies. International marketplaces are substantially more at ease for high-risk processors.

Careful Underwriting and easy setup

IntegralPay’s partner acquirers and PSPs employ meticulous underwriting procedures that are less likely to come back to haunt you in the future, whether you’re starting a new online business or replacing a cancelled regular merchant account. This method alerts you to risk concerns at an early stage and helps you save time (and costs).

Are you Eligible for a High Risk Merchant Account?

IntegralPay’s partner acquirers and PSPs consider each application based on the circumstances of the business owner.

Do you have questions about the process and merchant account eligibility requirements? If so, contact our team to have all your questions answered.

Supporting Documents Checklist

Drivers License or Government Issued Photo ID
Document showing Proof of Company Registration (Sole Proprietorship, LLC, ETC)
Voided Check/Bank Letter
3 Months Bank Statements
3 Months Processing Statements (if available)
Articles of Incorporation
Fulfillment Agreement (if applicable)

Get Started today with three easy steps

Apply Now

✓ Fill out our quick and simple High Risk application
✓ Securely upload any supporting documents

Get Approved

✓ Our trained professionals identify the best payment solutions for your High Risk business
✓ We work with our bank acquiring partners to secure a speedy approval for your High Risk merchant account

Start Processing

✓ Our technical team helps with payment gateway integration and initial testing
✓ Our accounts supports team is available as you grow your High Risk business

Ready to Grow your High Risk Business?

Get Started!