High Risk Merchant

High risk merchants receive the best merchant account services from MerchantWorthy.com! If your merchant account was recently terminated and you need to continue processing credit cards immediately, contact MerchantWorthy.com for our fast merchant approval process. We work with industries of ALL risk levels!

Need high risk merchant account services? Many high risk merchants looking for approval of a merchant account to process credit cards may find it a difficult process. MerchantWorthy specializes in providing merchant accounts to businesses and merchants that have been classified as high risk by a merchant processor. A merchant processor will consider a merchant account as high risk for a variety of reasons, some of which include:

  • High chargebacks or a rapidly increasing number of chargebacks
  • A previous merchant account termination or application denial by a Merchant Processor
  • High Risk industry such as adult entertainment, online pharmaceuticals or debt collection
  • Poor credit scores and bad credit businesses
  • Offshore business operations – international merchants conducting business into countries other than where they are based

Typically these high risk companies are forced to find alternative merchant processing sources including high risk and offshore merchant processors. Although we find that a high number of merchant chargebacks is the most likely cause of merchant account termination or high risk merchant classification, MerchantWorthy.com will work to get your merchant account operational no matter what the cause.

We find that after a credit level or rating, that the second most likely cause for merchant account rejection is one or more compliance issues. MerchantWorthy.com offers a free merchant website compliance review to any merchant contacting us from anywhere in the USA. What’s more, you don’t even have to be – or become – a MerchantWorthy.com client to take advantage of this free offer.

MerchantWorthy.com has provided risk merchant account services to merchants located in nearly every state, with a proliferation of risk merchants in the following states:  Florida, Georgia, Nevada, New York, California and Arizona.  To find out more about high risk merchant accounts in your state, contact us directly by calling 800-357-0001.

Getting A Reliable High Risk Merchant Account

If you are a new business start-up, an online merchant or a recently terminated merchant who is having trouble getting a risk merchant account, call us immediately at 800-357-0001 and we will start working with you. In most cases we can have your completed merchant application with all your supporting documentation filed with our in-house underwriters on the same day with approval notification coming within the next 24 – 48 hours. So if getting a reliable merchant account is a problem, consider MerchantWorthy.com your merchant account solution.

Merchant Account Terminated or Application Rejected

Whether it is for an increased number of chargebacks or the industry falls out of favor with the merchant processor, hundreds of merchants are being called “high risk merchants” by their processors. If your merchant account is being terminated or your merchant account is “let go” by your merchant processor, MerchantWorthy.com can help you get your merchant account reinstated with a new processor. In most cases, we can get you fast approval for a high risk merchant account and when economic conditions improve with your business, we can help you restore your traditional merchant processing relationship.

If you recently attempted to start accepting credit cards and your merchant application was rejected, MerchantWorthy.com can get account approval for high-risk merchants whose account applications have been rejected or terminated by traditional credit card processors.

And if you REALLY need a merchant account, we provide Emergency Merchant Account Activation services – call now at 800-357-0001 and get started on opening your merchant account as fast as possible!

Low Credit Score or High Credit Risk

In the case where a principal’s low credit score is making it difficult for your business to obtain a credit card processing merchant account, MerchantWorthy.com can help. If you accept customer payments via swipe card machine, online through an e-commerce gateway or via telephone or mail order, we can help you to get an account and many times at comparable merchant rates. If you think your business has bad credit, contact us and we’ll be happy to help.

High Risk Industries

If your business falls into one of several identified high risk merchant industries your company may have been classified as a high risk merchant. Many companies with a high risk merchant classification are forced to obtain merchant processing via offshore or shared hosting accounts. In fact, many e-commerce and online merchants are termed high risk by processors, even though their traditional merchant operations are not high risk.

Offshore Merchant Accounts

If you are a US merchant doing business overseas or a merchant looking to do business into the United States and need a merchant account, MerchantWorthy.com will help you to open your offshore merchant account. To keep things simple and convenient for you, we are always available for one-on-one risk merchant telephone or in-office sessions to go over any aspect of the high risk merchant application, approval process or risk account characteristics.

MerchantWorthy.com will help you to open a reliable offshore merchant account, including merchant accounts accepting multi-currency payments and completing customer transactions in multiple currencies.

Local Market Merchants

MerchantWorthy.com can help high risk merchants from any state, but concentrates its risk merchant showroom advisory services on companies in the Southeast United States. For those Merchants in South Florida or traveling through South Florida, a stop at our MerchantWorthy showroom conveniently located on I-95 in Broward County, Florida will allow you to take advantage of our free Compliance review and other advisory services with a one-on-one consultation between you and our in-house experts — at no charge to you.

For other services, such as our Free Merchant Website Compliance Review, high risk merchants from Florida, Alabama, Georgia, Arizona, California, New York, Illinois, Massachusetts, Missouri, Louisiana, Kentucky – anywhere in the country – can take advantage of this free service. You do not have to be a MerchantWorthy.com client to take advantage of these and other services we provide to merchants in the US and abroad. Simply call 800-357-0001 and we’ll set up a time to go over the merchant compliance web site service.

So whether you are a high risk merchant in Atlanta or Miami, your merchant account was terminated in Knoxville or your Louisville stores have higher chargebacks, contact us today!

High Risk Merchant Rates & Reserves

While we know that high risk merchants typically are charged high rates, we can help you find lower rates for your high risk credit card processing account. And if a merchant processor has decided you are high risk due to increased chargebacks, we can help you to find the merchant processing account services you need. And because most high risk merchant accounts have merchant reserve requirements, we will help you to understand the merchant reserves and then to analyze the full financial effect of your risk merchant account proposals. So whether you have had a merchant account terminated by your merchant processor due to excessive chargebacks or had a previous application denied, we will work to get your merchant account approved and your company back to accepting credit cards.

Contact MerchantWorthy.com

During the underwriting process, the MerchantWorthy.com team will work with the prospective merchant to find ways that will help lower your company’s risk profile. Our credit card processing best practices may ultimately help reduce any company’s merchant processing costs, so why not contact us today?

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