High Risk Holdings Overview

High Risk Holdings May Have Overcharged You

If you accepted credit cards through High Risk Holdings or any other credit card processing company between 2017 and 2019, recent changes to the law may entitle you to refunds of certain debit card and credit card processing errors and overcharges. See this post to find out if your were among the businesses affected and to learn how you can get your money back.

High Risk Merchant Specialists

Founded in 2008, High Risk Holdings is a merchant account provider that specializes in serving high risk business types. The company especially focuses on providing offshore merchant accounts for card-not-present merchants for domestic and offshore e-commerce merchants. As a high risk provider, High Risk Holdings is likely partnered with multiple domestic and international banks in order to serve a wide range of businesses.

Location and Ownership

The company lists its address as 2332 Fourth St, Suite A, Berkeley, California 94710. The managing partners of High Risk Holdings are Denise Dallas and Fiona Walshe.

High Risk Holdings Review Table of Contents

  • Costs & Contract: High Risk Holdings appears to offer variable contract terms that will depend on each merchant’s risk profile and processing history.
  • Complaints & Service: High Risk Holdings has received fewer than 10 public complaints.
  • BBB Rating: High Risk Holdings does not have a profile with the Better Business Bureau at this time.
  • Sales & Marketing: High Risk Holdings does not appear to hire independent sales representatives and has not received any complaints about its sales team.
  • Rates & Fees: How Merchants Got The Best Rates With High Risk Holdings
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Products & Services Offered

Types of Businesses Served

  • E-commerce
  • Adult
  • E-cigarette
  • Firearms
  • Nutraceuticals
  • Continuity

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High Risk Holdings Rates, Fees, and Costs

Key Points

Virtual Terminal Rate 1.00% - 4.99%
Payment Gateway Fee Undisclosed
Early Termination Fee Undisclosed
PCI Compliance Fee Undisclosed
Equipment Lease Terms Undisclosed

No Contract Complaints

There is no publicly available information about the standard High Risk Holdings contract at this time. The company does not provide details about its pricing and fees on its website, and there are no merchant complaints that mention specific rates or contract terms. Given the company’s focus on high risk merchant types, it’s probable that it can offer a wide range of contract terms depending on each merchant’s size, type of business, and processing history.

Higher Fees for High Risk Merchants

In general, high risk merchants should expect to pay higher-than-average per-transaction rates and could be subject to rolling reserves to help protect against chargebacks. The lack of complaints from High Risk Holdings merchants suggests that the majority of its customers are satisfied with the rates they pay. However, High Risk Holding’s contract terms are unlikely to be competitive with the cheapest credit card processors. If you have any specific knowledge of the standard High Risk Holdings contract (including any early termination fees or PCI compliance fees), please share that information in the comment section beneath this review.

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Response from High Risk Holdings

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High Risk Holdings Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Unknown
Most Common Complaint N/A

Clean Complaint Record

We are currently unable to locate any negative High Risk Holdings reviews, and there is no evidence that the company is a ripoff or a scam. This clean complaint record is exceptional for a credit card processor that has been active since 2008, and doubly so considering High Risk Holdings’s focus on hard-to-place merchant types. However, it could also indicate that the company serves a relatively small merchant base.

High Risk Holdings Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against High Risk Holdings. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

High Risk Holdings Customer Support Options

The company’s website does not list any specific customer support contact information. This information may be reserved for merchants who have opened accounts with the company, or it’s possible that High Risk Holdings directs merchants to the banks they’ve been placed with for customer support. In either case, the company’s preferred method of support seems to be working to minimize complaints, but the lack of information disqualifies from being a top-rated payment processor for customer service.

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Response from High Risk Holdings

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High Risk Holdings BBB Rating Summary

The Better Business Bureau does not maintain a profile for High Risk Holdings at this time. We therefore will not factor a BBB rating into this review.

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Response from High Risk Holdings

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms No

Inside Sales Team

High Risk Holdings appears to primarily market its services via an in-house sales staff, strategic partnerships, and ISOs. There is no evidence at this time that the company employs a large team of independently contracted sales agents, and we are unable to locate any High Risk Holdings complaints that accuse the company’s sales staff of deceptive conduct.

No Deceptive Quotes

As an additional point in its favor, High Risk Holdings does not promote any deceptive rate quotes or unrealistic guarantees on its website. In general, we see very little cause for concern when it comes to High Risk Holdings’s marketing strategy. If you suspect that High Risk Holdings is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden costs.

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Response from High Risk Holdings

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High Risk Holdings Marketing Example

High Risk Holdings Logo

Our Opinion of High Risk Holdings

A Good Option for High Risk Businesses

High Risk Holdings rates as a reliable high risk merchant services provider according to all available information. The company has not received any public complaints in eight years of operation. However, little is known at this time about its corporate makeup or its contract terms and how it compares to the top overall high risk merchant account providers. We will continue to monitor merchant feedback about the company and adjust our ratings as necessary.

We rely on your feedback about High Risk Holdings to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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