HIGH RISK MERCHANT ACCOUNT

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2018 High Risk Visa/Mastercard from Interchange++0.95%
Merchant Banks

40+ Merchant Banks

Global Acquiring
Interchange++ Rates

Interchange++

Transparent Fees
Online Payment Gateway

30+ Payment Methods

Single Payment Gateway
Multi Currency Payments

150+ Currencies

Multi-Currency

High-risk friendly

Has your local bank declined your application, telling you they cannot open a merchant facility because your business model or history presents a risk for them? Or that they do not offer services to merchants within your industry?

Luckily, MerchantScout specializes in arrangement of all-in-one high risk merchant account solutions. Our risk management experts have a decade’s worth of experience working with trustworthy payment institutions; we adopt a flexible, case-by-case approach. With our network of tested and trusted international, offshore and domestic banking partners, we are able to provide a merchant account solution for your business even if you have been categorized as high-risk before, or you are facing difficulties as a startup business.



Popular categories

Nutraceutical, Herbal
Drug Stores, Pharmacy
Tobacco
Software
Electronics
Insurance
Telemarketing, MOTO
Travel
Multi Level Marketing (MLM)
Financial Services
Forex, Binary Options
Ticketing Agencies
Jewelry
  • MerchantScout supports most high risk industries
  • Visa/MC rates as low as 1.45%
  • Interchange++ pricing
  • Startups accepted
  • Award-winning PCI compliant gateway
  • Server2Server API or Hosted Payment Pages
  • 150+ currencies multi-currency processing
  • 30+ alternative payment methods
  • Fraud screening & proactive support
  • CVV, AVS, 3D Secure, batch processing, recurring billing
MerchantScout high risk merchant accounts

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High risk merchant account fees

United States based merchant
Pricing for Direct MID through an EU acquiring bank.
€100k per month domestic EU sales volume.
2.50%
Visa / Mastercard
0.25€
Transaction fee
20€/m
Gateway fee
100€
Setup
Accepted countries of incorporation
EU/UK
Global card processing
Yes
Startups accepted
Yes
High risk accepted
Yes
Recurring billing & tokenization
Yes
3D Secure, CVV, AVS
Yes
Direct API integration
Yes
Setup time
7-14 days
Chargeback fee
15€ - 25€
Refund fee
0.50€ - 1.50€
Settlement to bank account
Daily / Weekly
Processing currencies
150+
Settlement currencies:
EUR, GBP, USD, CHF, CAD, DKK, JPY, AUD, HKD, NOK, NZD, RMB, SEK, TRY, ZAR, SGD, MXN, PLN, CZK, HUF, AED, MAD, SAR
Integrated payment methods:
Visa, Visa Debit, Visa Electron, MasterCard, MasterCard Debit, Maestro, Amex, JCB, Diners, Carte Bancaire, PayPal, PaysafeCard, GiroPay, Sofort Uberweisung, Dankort, iDeal, UnionPay, CartaSi, Alipay, Afterpay, Bancontact MisterCash, Entercash, EPS, SEPA Direct Debit, Klarna, P24, Paytrail, Poli, PostePay, Trustly, TrustPay, Yandex

high risk merchant account opening

Contact Support

1. Get in Touch

After completing the short application form, our experts will advise the appropriate banking partners from our network.
Apply for High Risk Account

2. Bank Approval

Based on initial assessment we start the approval process with one of our banking partners. A dedicated agent will manage everything for you.
Integration and Card Processing

3. Integration

After approval and MID activation you can integrate with the payment gateway via API and you're all ready to start processing payments on your platform.
Who needs a high risk merchant account?
Do you need a high risk merchant account?

There are many factors considered by banks and payment providers when deciding whether a business should be classified as high-risk. The primary concern is the reputation of the industry in which the business is operating, and its trading/processing history. For example, the online gambling industry is automatically considered as high-risk by acquiring banks due to track record of unregulated schemes. When there is the potential for clients to end up feeling dissatisfied with the product or service, or when volumes are higher, there is a higher chance of disputes. Theft of credit card details or other data is also a risk. The providers are at risk and thus impose stricter terms, or decline the merchant account opening.
What is a high risk merchant account?High Risk MCC categories list

Chargeback Ratio
Keep chargebacks to a minimum

Credit card processing history is the second most important factor when it comes to getting approved. Card schemes, such as Visa and MasterCard, dictate the acceptable chargeback thresholds, which stand between 1-2% from sales volume and transaction count. Many businesses can reach this threshold very quickly and even a couple of consecutive months above 2% will lead to the bank will terminating the merchant account. This is why most high-risk merchants are asked for card processing statements detailing the previous 6 months and can only be approved after a thorough review. High chargeback ratios, excessive refunds and fraud trends lower the chances of getting approved.
How to prevent chargebacks?

30+ payment methods

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