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High Risk Merchant Account

Credit card processing for any business

rates as low as
1.45%
+0.10€ per transaction
Apply for a Merchant Account Apply for a Merchant Account
Monthly Volume:
Website URL:
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Merchant Banks

Global Acquiring

30+ Merchant Banks
Interchange++ Rates

Interchange++

Transparent Fees
Online Payment Gateway

Payment Gateway

30+ Payment Methods
Multi Currency Payments

Multi-Currency

150+ Currencies

Flexible Solutions

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 no matter if you have been categorized as high risk before or even if your are a startup business.

Typical high risk categories:

Nutraceutical
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 1.95%
  • 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

When do you need a high risk merchant account?

There are many factors which are considered by banks and payment providers when classifying someone as high risk. The first most important factor is the industry reputation in which you are in, second is your business trading history. For example, online gambling industry is automatically taken as high risk by acquiring banks due to historic connections with sketchy industries as well as past experiences from many merchants. Also, when there's a potential for high traffic and higher chance of data theft or credit card details, the providers are at risk and thus impose stricter terms when processing for such businesses, or decline them completely.

Chargeback ratios and processing history

Your business trading history, what we refer to as your credit card processing history, is the second most important factor. Card schemes like Visa and MasterCard dictate through acquiring banks the highest acceptable chargeback ratios, which are at around 1-2% from sales volume and transaction count. As you can imagine some business can reach this threshold very fast and even a couple of consequtive months above 2% means the bank will close your merchant account. That's why most high risk merchants are always asked by banks for detailed card processing statements for past 4-6 months and can only be approved after thorough review. Another risk factor shown in history is the refund and fraud trends, any businesses known for fraud or which have shown fraudalent transactions in past will have a hard time getting approved.

Luckily MerchantScout is specialized for high risk merchant accounts. It is very important that our experts have a decade-long experience and working closely with trustworthy banks in Europe and worldwide, as many providers try to take advantage of the situation by giving extremly high rates or even not paying out your money. We work only with regulated well established banks, mostly in Germany, Netherlands and UK.

High Risk Merchant Account Fees

United States based merchant
Direct MID through an EU acquring bank.
Based on €100k/m domestic sales volume.
Visa/MC rate
2.50%
gateway fee per txn
0.25€
monthly fee
20€
one-time setup
100€
Application process: 7 days
Daily or weekly remittance to your business bank account
No obligation contract
High Risk MCC registration annual bank fee: 480-950 EUR
Detailed Fees & Pricing
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

30+ Payment Methods in a Single Platform

How to open a high risk merchant account

Contact Support

1. Contact Us

Fill out the application form on our website. Our experts will review and advise the appropriate banking partners from our network.
Apply for High Risk Account

2. Bank Approach

Based on initial assessment we will start the approval process with one of our trusted banks. Our dedicated agent will assist you through every detail.
Integration and Card Processing

3. Approval & Integration

After approval, MID activation and easy API integration with the payment gateway you're all ready to start accepting card payments.

Get a quote for your business today

& be pre-approved in less than 48h!
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