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High Risk Merchant Account

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.). In other words, most agencies consider a merchant high risk if they have a high fraud rate, high sales volume, poor credit rating or use recurring payments.

IntegralPay specializes in providing merchant account services to a number of high-risk industries. Choosing the right payment provider or getting a bank for your venture merchant account is a real challenge for venture merchants. However, IntegralPay is here to help leverage our years of experience and leverage long-term partnerships with high-risk procurement solutions to help your High-Risk 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 of High Risk Accounts and the help of our bank acquiring partners can assist you in ensuring the safety and protection of your 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 strive to keep your accounts 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 employs 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 tries to be as flexible as possible with our clients. We consider each application based on the circumstances of the business owner. You will receive fair treatment throughout the review process.

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

Supporting Documents Checklist

  1. Drivers License or Government Issued Photo ID
  2. Document showing Proof of Company Registration (Sole Proprietorship, LLC, ETC)
  3. Voided Check/Bank Letter
  4. 3 Months Bank Statements
  5. 3 Months Processing Statements (if available)
  6. Articles of Incorporation
  7. Fulfillment Agreement

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 premium accounts supports team takes care of you as you grow your High Risk business

Ready to Grow your High Risk Business?

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