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There are Advantages for Being a High-Risk Merchant Account

Here is a news flash, most bankers like to charge fees but hate taking on risk. So, your banker has slapped the term high-risk merchant account to your banking relationship which translates to service limitations and a fee structure that is even more onerous that ones used for other merchant accounts. That could be a blessing in disguise. 


Most merchant payment gateways are designed for customers with moderate to low payment disputes, fraud or credit risk.  


High-risk merchant accounts that skip ordinary bankers for specialists that provide credit card processing to high-risk accounts receive a level of service to merchants not be available through other means at rates that are very competitive to market at large. 


There are transaction specialists who cater to the unique needs of your business by offering  high-risk credit card processing and offer high-risk merchant accounts instant approval on pending transactions that minimize overall risk and facilitate greater sales volumes. This is often a godsend for bad credit merchant accounts and allows them to secure steady income as they restructure. 


For ‘sin’ industries, these high-risk credit card processors offer high-risk payment gateways that are secure and limit customer transaction write-offs through high-risk merchant account instant transaction approvals.

High- risk credit card processing and other high-risk payment gateways often are the most efficient and convenient ways of servicing the transactions of eCommerce merchant accounts, ‘bad credit’ merchant accounts or those within an industry that has a history of attracting customers that have bad credit, often dispute transactions or suffer buyers’ remorse like adult entertainment establishments or liquor stores.


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