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Best High Risk Merchant Accounts

  • Credit Card Processing
  • December 30, 2019
Phillip Parker
By Phillip Parker
By Phillip Parker

I was tired of watching unethical merchant services companies take advantage of unsuspecting business owners, so I built this website and wrote hundreds of reviews to expose their shady business practices.

FTC & Advertising Disclosure

We take great pride in providing one of the only objective an unbiased merchant account review websites on the internet. To support this enormous responsibility we earn some of our revenue through affiliate fees and advertising. These revenues in no way influence our ratings or reviews. Learn more about our monetization policies here. 

Top Ranked Processors of 2021

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PaymentCloud

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  • Super Low Rates and Fees
  • Fast Approval for Most Business Types
  • Hightly Rated Support
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Top Ranked

Compare Our Other Picks:

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eMerchant Broker Logo
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Merchant Accounts For Hard-To-Approve Businesses

It’s hard to find quality credit card processors for high risk business types. Many large merchant account providers will refuse to process transactions for high risk businesses, which limits the options that are available to hard-to-place merchants. With so few processors to choose from, merchants can find themselves simply signing up with the first provider that will accept them instead of shopping around and looking for reputable, experienced processors that specialize in high risk merchant accounts. This leads to headaches down the road, as high risk merchants are especially vulnerable to chargebacks, fund holds, excessively high rates, or placement on the TMF/MATCH list.

Find A Flexible Credit Card Processor Below

To help you find the right provider for your business, we’ve compiled the following list of the top high risk merchant account providers. Each of these processors is able to place a wide range of high risk business types, but we’ve included a specific list of industries that each provider serves so that you can narrow your search to companies that suit your business needs. Legal and banking regulations are constantly shifting, so these industry lists should only be considered current as of this article’s publication date.

In addition to having significant experience working with high risk merchants, these providers also maintain positive reputations among merchants and are known to offer fair pricing and quality customer support. As always, the best way to ensure that you receive a great deal on your high risk merchant account is to contact multiple providers and compare their pricing and service packages.

Best Merchant Accounts for High Risk

PaymentCloud Logo

PaymentCloud

Rating: Excellent | Our Review | Visit Their Website | (888) 506-7859

Strong Reputation For Fast Approvals

Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving high risk business types. This includes CBD and Kratom businesses. The company’s products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and virtual terminal, EMV-compatible terminals, and merchant cash advances. PaymentCloud provides a dedicated account rep to all new merchants for the life of the account. The company has not received any negative complaints on consumer forums, and it customizes its pricing according to each merchant’s business type and processing history. The BBB does not maintain a profile for PaymentCloud at this time, but CPO gives the company an “A.”

High Risk Business Types Served By PaymentCloud

Adult, Airlines and Jet Charters, Bad Credit, Bail Bonds, CBD, Kratom, Cigars, Pipes, Tobaccos, Collection Agency, Credit Repair, Debt Consolidation, Diet Programs, Educational Seminars, Electronic Cigarette, Electronics, Gaming, High Ticket, High Volume, Moving Companies and Transportation, Multi-Level Marketing and Bizops, Nutraceutical, Online Firearm Sales, Prepaid Calling Cards, Software and E-Books, Sports Betting Advice, TMF Merchants, Tech Support, Travel & Timeshares, VOIP & Telecom.

For more information, visit the PaymentCloud website or call (888) 506-7859.

eMerchantBroker Logo

eMerchantBroker

Rating: Excellent | Our Review | Visit Their Website | (877) 301-3442

Established High Risk Veterans

eMerchantBroker.com is a Los Angeles-based credit card processor that primarily serves high risk e-commerce business types. The company’s high risk processing services include chargeback dispute resolution, an online payment gateway, ACH processing, merchant cash advance, and MOTO processing options. eMerchantBroker.com has maintained a low complaint rate since our first review of the company and appears to offer custom pricing plans depending on each business’s type and processing history. Our review of eMerchantBroker.com currently awards the company an “A” rating, while the BBB gives it an “A+.”

High Risk Business Types Served By eMerchantBroker

Adult Merchant Accounts, Airlines and Jet Charters, Bad Credit, Bail Bonds, Cigars and Pipes, Collection Agency, Credit Repair, Debt Consolidation, Diet Programs, Ecig Merchant Accounts, Educational Seminars, Electronics, Furniture, Gaming, High Ticket, High Volume, MLM and Bizops, Moving & Transportation, Nutraceutical, Online Firearm Sales, Penny Auctions, Prepaid Calling Cards, Software and E-Books, Sports Betting Advice, Tech Support, Ticket Brokers, TMF Merchants, Travel and Timeshares, VOIP and Telecom, Water Purifiers

For more information, see the eMerchantBroker website or call (877) 301-3442.

Host Merchant Services Logo

Host Merchant Services

Rating: Excellent | Our Review | Visit Their Website | (888) 727-4538

All-Purpose High Risk Processing

Host Merchant Services is a Newark, Delaware-based merchant account provider that is well-suited for most general business types as well as domestic high risk merchants. The company’s products and services include point-of-sale solutions (with specific packages for the restaurant, salon, professional service, and contractor sectors), online marketing tools, an online payment gateway and virtual terminal, mobile credit card processing, gift and loyalty programs, merchant cash advance, and offshore merchant accounts. Host Merchant Services specializes in e-commerce businesses and provides a free website and email address to new merchants who require them. The company has received exclusively positive feedback on public forums, with most reviewers singling out the company’s customer service for praise. The BBB gives Host an “A+” rating, and CPO also gives the company an “A+.”

High Risk Business Types Served By Host

Web Hosting and Telecom, SEO, Events and Tickets, Furniture, E-books, Electronics, High Ticket, Vape Shops, Drop Shippers, Glass/Head Shops, Pawn Shops, Real Estate, Travel, Tours, Software Downloads, Replicas, Weapons, Credit Repair, and some international/offshore merchants.

For more information, visit the Host Merchant Services website or call (888) 591-9026.

Additional Options

Card Z3N Logo

Card Z3N

Rating: Excellent | Our Review | Visit Their Website | (702) 623-3528

High Risk E-Commerce Specialists

Founded in September 2018, Card Z3N is a Las Vegas-based merchant account provider that serves both standard-risk and high risk merchant sectors. The company offers a wide range of retail and e-commerce solutions for most business types, including adult, auto parts, collections, credit repair, diet programs, e-cigarettes, electronics, extended warranties, fantasy sports, financial services, firearms, online furniture sales, multi-level marketing, nutraceuticals, online gaming, precious metals, self storage, and travel.

Card Z3N Reviews

Card Z3N has not received any public complaints in the time that it has been operating. The company offers custom pricing plans to all of its merchants. The BBB gives Card Z3N an “A-” rating, while CPO gives the company an “A.”

High Risk Holdings Logo

High Risk Holdings

Rating: Excellent | Our Review | Visit Their Website | (888) 218-4818

Serving Hard to Place Business Types

High Risk Holdings primarily focuses on providing offshore merchant accounts for card-not-present merchants serving both domestic and offshore e-commerce businesses. However, they can also assist with onshore high-risk options as well.

High Risk Holdings Reviews

The company has a clean complaint record, which is exceptional for a credit card processor that has been active since 2008, and even more so considering High Risk Holdings’s focus on hard-to-place business types.

VendorName Logo

High Risk Pay

Rating: Excellent | Our Review | Visit Their Website | (800) 956-1277

Serving Hard-to-Place Business Types

Active under various names since 1997, High Risk Pay is specifically focused on serving high risk merchants. The company offers point-of-sale equipment, ACH processing, and chargeback prevention to all of its merchants. High Risk Pay can process payments for e-commerce, travel, e-cigarette, startup, bad credit, international, high volume, and adult merchants.

High Risk Pay Reviews

High Risk Pay has received only a few complaints during its existence. The company offers custom pricing plans to all of its merchants. The BBB gives High Risk Pay an “A+” rating, while CPO gives the company an “A“.

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About Phillip Parker

Why I'm Qualified to Write About Credit Card Processing

I’m a small business owner who previously worked in the credit card processing industry. I started this blog in 2009 to help other business owners by exposing credit card processors that engage in unethical marketing, rate and fee trickery, and fine-print-contract schemes. Over the last decade, I’ve reviewed hundreds of merchant services providers which has helped to educate over 5 million businesses on the nuances of credit and debit card acceptance. I’ve appeared in the New York Times, Los Angeles Times, Inc. Magazine and a host of other publications to offer insight on the subject of card acceptance. 

Need expert help? Learn how we can assist you here.

I offer merchant account and credit card processing consultation for the following needs:

  • Selecting the right credit card processing services for your business.
  • Reducing credit card processing fees with your current merchant account provider.
  • Negotiating credit card processing fees when changing merchant accounts.
  • Strategies for reducing and recovering funding holds and chargebacks.

 

Schedule a call with me today!

 

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