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How to open a high risk merchant account

Are you looking to open a high-risk merchant account? Your business is most likely classified as a high-risk service or a high-risk product by credit card brands and acquiring banks.

The Payment Pro’s team is here to get your high-risk business approved, whether your B2B, eCommerce or retail we will find you a solution today!

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*Rates are quoted as % above card brands interchange costs, dues, fees, and assessments.

High Risk Processing Industries

If you are an eCommerce high-risk company, Payment Pro’s has got you covered. Get pre-approved in as little as 6 hours* for difficult to obtain high-risk merchant accounts – our team of experts consider business
type, business model, and restricted service or product types – all through Payment Pro’s high-risk payment gateway.

See how quick and easy it is to get pre-approved today for high-risk merchant account rates as low as 2.49%** by filling out our form.

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Vape Merchant Account


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Airline Merchant Processing


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Bad Credit Merchant

Bad Credit

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Business Opportunities

Business Opportunities (BizOp)

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CBD Merchant Account

CBD & Hemp

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Collection Agency

Collection Agencies

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Products & Services


Payment Gateway

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Our gateway is all about value add to make your job easier to run your business.With tools such as recurring billing and electronic invoicing, you can get paid quicker.


Fraud Prevention

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Fraud prevention, chargeback management, and regulatory tools will help you streamline difficult or time-consuming processes. Our proprietary technology saves time, money, and labor.

Chargeback Management & Mitigation

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We provide actionable data to show your chargeback ratios to ensure card brand compliance along with insight on analysis of reason codes, card brand breakdowns, and reversal rates. Recover more
lost revenue with our powerful chargeback management.

High-Risk Payment Pro’s Has You Covered

Easily process card-not-present transactions with our straightforward API, hosted forms, and additional tools.

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About High Risk Merchant Processing Accounts

High Risk Payment Gateway

High-Risk Payment Pro’s offers payment solutions to businesses in high-risk industries, which means that as payment processing providers, our banks are willing to accept the liability for the increased risk associated with those businesses that are categorized as needing a high-risk merchant account. Our high-risk payment gateway makes high-risk credit card processing safer and more secure with integrated fraud solutions to prevent chargebacks.

High-Risk Merchant Accounts

How do you know if your business has been categorized as needing a high-risk merchant account and what merchant account the right one for your business? Well, the primary reason for seeking out a merchant account for high-risk businesses is to avoid having your merchant account being shut down. The acquiring bank or its representatives can close your account and hold funds, without notice, based on negative risk factors and performance.

High-Risk Merchant Account Providers

Businesses that are considered high risk have to know who the right payment processors are, and those high-risk merchant account providers that are willing to meet your business needs and provide you with stable credit card processing. Most of the acquiring banks we work thru are willing to accept the liability for the increased risk associated with those businesses that are categorized as a high risk.