High Risk Merchant Account

Low risk merchants are mainstream e-commerce retail businesses and are easy to place with any acquiring bank. Rates are lowest, from 1.50%. All categories which are not listed in below high risk list and prohibited list are considered as low risk.

High risk merchants sell products or provide services that tend to have an increased risk of fraud when accepting payments by credit cards by bringing in excessive chargebacks or carry extended fulfillment and delivery times. These are reviewed on a case by case basis and additional documentation may be required. We can place all EU high risk merchants on the same European bank as low-risk, this means all fees and terms are same with the exception of higher discount rate (from 1.95%), payout delay may be longer by 7 days and with high rick MCC (Merchant Category Code) such as Adult and Gaming, the bank will charge a high risk MCC registration fee of 950 EUR per year.

Prohibited merchants are unqualified industries in part due to credit card company prohibition, illegal or likely to be deemed illegal, fraud or high potential for excessive chargebacks, or where experience has demonstrated high losses or high chargebacks.