High Risk Merchant Industries

In certain cases your business type or industry may impact your credit card processing rate. What characterizes a business type or industry as high risk are transaction variables such as a high level of chargebacks. MerchantWorthy.com specializes in high risk merchant accounts for ALL industries at ALL risk levels!

To see whether certain industry risk variables may be impacting your company’s processing rates, find your industry or business type in the list below:

Color Code Risk Level Underwriting Guidelines*
Blue Low Auto-approved
Yellow Medium Approved within 30 minutes-24 hours
Red High Approved within 3-5 working days

* The MerchantWorthy.com underwriting department typically will approve merchants within specific risk levels within the following time-frames. For medium to high risk merchants, MerchantWorthy.com may request additional information prior to making a final decision.

  • Adult
  • Automobile Dealerships
  • Banks & leasing
  • Business or Professional Services
  • Buying Groups/Co-op Programs
  • Chamber of Commerce / non-profit
  • Charitable Associations
  • Debt Collection
  • Direct Marketing Catalogs
  • Gas Station / convenience store
  • Government
  • Grocery Store/Supermarkets
  • Health Clubs/Fitness Centers
  • Hotel/Motel/Lodging
  • Insurance
  • International Merchants (outside USA)
  • Start-up Internet Website
  • Internet/E-commerce Websites
  • Mail Order Catalog / Telephone Order
  • Manufacturing
  • Medical / Hospital
  • Property Managers / Real Estate
  • Retail Store
  • Restaurant
  • Schools / University
  • Travel Agencies

To find out how your business type or industry can impact your processing rates, please call us at 1-800-357-0001.


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