PAYARC – Offers the best payment gateway for processing international transactions. At Shark Processing, our vast experience and expertise in both high and low-risk industries allow us to secure the most competitive processing rates possible. High risk merchant processor highriskpay. Here are a few of. Our low-risk merchant accounts are perfect for nearly any industry, including: Convenience Stores Specialty Retailers Low-Risk E-commerce Clothing Boutiques Auto Dealers. Take note that every payment processor will have different guidelines to determine whether a business. The resulting risk weighted off-balance sheet items for merchant processing would be included in the denominator of the risk based capital ratios. 15% + $0. High-Risk Merchant Accounts face several unique challenges, including: 1. Individuals who apply for payment processing through a bank who happen to have a credit score of 580 or less are considered bad credit merchant accounts. PayPal – Best for a pay-as-you-go pricing structure. 1. 800-567-3019. These fees are in addition to interchange. We believe that business owners who keep their accounts in good standings deserve something better. High-risk credit card processing basically refers to the acceptance and handling of card transactions of businesses operating in industries associated with a higher risk of chargebacks, fraud, and financial instability. Merchant acquirers carefully assess various factors, including industry type, transaction volumes, and chargeback ratios, to categorize merchants as low or high risk. PaymentCloud – Perfect for high-risk online businesses that need personalized support. We go above and beyond to make sure that you thrive as a high-risk merchant account. Step 5 – Monitor Your Monthly Credit Card Fees. 5 To ensure effective risk management, banks that initiate transactions for processors should require the processor to provide information on their merchant clients such as the merchant's. It guides all the. National Processing: Best Nonprofit Credit Card Processor For Low-Cost ACH/eCheck Processing; 4. Vape and E-Cig Merchant Accounts. Next steps When you're ready to open up a merchant account, speak to a few merchant service providers to find the one best suited for your particular business and the. We’ll make. The ability to process credit card payments is a critical factor in your success. The 7 Best ACH Processing Companies. Before you’re approved for a merchant account, payment processors will decide if you’re a low risk merchant. Vape and E-Cig Merchant Accounts. +208-806-2953The Industry’s First True Low-Risk Merchant Services Provider. Credit repair works for many consumers. Some essential characteristics can describe a less risky business for payment processors. However, the. As you'd already guessed, high. They will categorize your company as low risk in certain cases, such as when: Your business processes transactions worth less than $20,000 each month The average ticket size for your business is. Accepts high-risk merchants. 5% - 5%. A high risk industry is a sector of business that banks categorize as riskier due to potential issues with their payment processing. Easy Pay Direct is a payment gateway and merchant account provider that serves a wide variety of high-risk and low-risk industries. In general, low-risk merchant accounts can negotiate better pricing terms and access lower processing fees per transaction. 24 / 7 SupportOur highly skilled team has merchant accounts for businesses with processing volumes ranging from $20,000-$100,000,000 and up per month. You may have an interchange-plus scenario where the. Each Certified Payment Specialists have “been there and done that” hundreds - or thousands of times. The general features of low risk merchants include the following; Have a processing history of less than $20,000 per monthAnd, while it charges $200 per month for “enhanced merchant monitoring and due diligence,” high-risk merchants can access many payment processing options competitors offer to low-risk merchants. These Are the Best Free Credit Card Processing Companies in 2023. It accepts payments via various methods including credit/debit cards and ewallets, and offers merchants the Card Machines for POS, mobile, or virtual payments. Read on for three of the best high-risk merchant accounts for WooCommerce, along with other helpful information. These credit card payment processors offer merchant services with reasonable costs, accessibility, transparency, and good overall value. Fastest payouts: Chase Payment Solutions. Stripe: Best Nonprofit Credit Card Processor For Advanced Customization; 6. High-risk businesses are charged greater processing fees than low-risk enterprises to determine the interchange cost they will pay. 0. On the other hand, a business might be deemed high risk because of the industry in which it operates, i. If you own a business, you understand the value of having a dependable payment processing solution. 3 Signing up for NMI: 2 types of website owners. The general features of low risk merchants include the following; Have a processing history of less than $20,000 per month And, while it charges $200 per month for “enhanced merchant monitoring and due diligence,” high-risk merchants can access many payment processing options competitors offer to low-risk merchants. Some examples of merchant services providers include Helcim, Square and Stripe. Payment processors categorize every business into three separate categories: High-risk merchants, medium-risk merchants, and low-risk merchants. Square: Best For New Businesses. 05%-0. Customer support for point of sale (POS) transactions. 30% + $0. A low risk merchant either does not check off the above boxes or has a business plan that the processing company approves of and forgos the high risk assignment. Looking to reduce processing fees for your small business? Our list of providers with the lowest credit card processing fees will help you find your best option. High-risk merchant category refers to the industries or types of businesses considered to have a higher level of risk by financial institutions, payment processors, and acquiring banks. Our specialization in UK high. PayPal: Best For Seasonal Or Low-Volume Businesses. Processors of financial transactions will evaluate your company and assign it to a “high risk” or “low risk” category based on their findings. The processor also works with high-risk merchants. 17 According to the article entitled "Merchant Acquirers and Payment Card Processors: A Look Inside the Black Box," authored by Ramon P. Because these companies don’t want risk, they won’t work with some industries. Zero or low chargeback ratio. - No early termination fee even for high risk businesses. . 5% - 5%. 5 in our rating of the. Read Full Story. Its interchange-plus fee structure. Your average ticket size is significantly less than $50. With over 10 years of high risk experience and more than 15 different banks, we are one of the fastest growing high risk credit card processing providers in the. Third-Party Processors Merchant Services; Application Process:. A subsidiary of Visa, Authorize. There are several common characteristics that make a merchant low risk to a payment processor. High-risk enterprises are often new, have a history of credit problems, or operate in an area deemed contentious. They only started providing high-risk merchant accounts in later years. Easy Pay Direct is a merchant account provider and high-risk payment gateway that serves various high-risk and low-risk industries. 0 fraud filtering and deterrent software. As such, they can expect payment processing to cost more than for a low-risk business. High Risk Merchant Account HighRiskPay. Low-Risk Merchant Accounts. 3. The Highs and Lows of Processing- Part 2: Low Risk | National Merchants. A high-risk merchant account is a business account or merchant account that allows the business to accept online payments though they are considered to be of high risk nature by the banks and credit card processors. Support for online sales. However, PaymentCloud also handles payment processing for medium- and low-risk businesses. 1. A high-risk merchant account is a subset of the services that make it possible for companies operating in high-risk sectors to accept credit card payments from their clients. As your Store starts to get hit with chargebacks , your fees significantly increase and can get your merchant account frozen or terminated, especially when working with low-risk processors such as Shopify Payments/Stripe. Over the years AdvantageProcessors. We understand the nuances of different business models and leverage our deep connections with acquirer banks to get you the lowest rates guaranteed. WRITTEN & RESEARCHED BY Frank Kehl Senior Staff Writer Last updated on October 12, 2023 REVIEWED BY Jason Vissers Senior Staff Writer Stripe: Best for customizing checkouts. What Is A High Risk Merchant Account? Initially, when you apply for a merchant account, you will be required to submit both tax and business information as well as undergo a credit check. 05 per transaction. 3. These accounts typically have lower chargeback ratios and require less comprehensive documentation. Be prepared for a site inspection; this is often times required by high risk processors. Payment cloud is one of the most popular payment processors specializing in providing high-risk businesses approved for a merchant account. This can range anywhere from 20 to 40 Bps (basis points) to around 3%). The. The term bad credit merchant account simply means a merchant. Low-Risk Fee:- Merchants are evaluated on a case by case basis, and the pricing is determined after analyzing multiple factors. These risk tiers help Visa and payment processors determine the level of monitoring and oversight required for each merchant. Merchant accounts are available for businesses selling online apparel like clothing, footwear, accessories, jewelry, and bags. 00:00. - Accepts wide variety of high risk industries. Dharma’s monthly fee is $20 per month. The merchant sells to countries that have a high level of fraud. net: Best for fraud prevention. Merchant One is the best credit card processor with easy and fast approval due to its 98% approval rate. The following are some differences between low and high-risk merchant account that you should know: Low-Risk Merchant Account. This means that applying on your own, without an expert in this industry, makes the chances of getting approved very low. Even though low-risk merchants also pay a chargeback charge (an expense you pay when a client disputes the charge directly using the credit card they use) However, high-risk merchants usually have higher charges for. Our high risk merchant accounts provide: EMB is the #1 solution for high risk merchants offering all-inclusive payment processing solutions for every kind of business with a 99% approval rating. Payline Data: Best for subscription-based businesses. Businesses with low credit scores are less likely to be lent money by financial institutions. com has dealt with all types of merchant accounts, credit card processors, high chargebacks, low chargebacks. You can find a business's MCC by calling your processor, reviewing your card statement or by calling the number on the back of your card. Reliable support and quick setup. Here are the major differences between low risk and high risk merchant accounts. Monitor your credit card merchant statements monthly. Payment processors classify merchants as either high-risk or low-risk based on a number of factors, including the industry they operate in, their average transaction value, and their chargeback rate. We provide Smoke Shop Merchant Accounts credit card processing with Free POS and 2. 3% plus interchange if you’re. High-Risk vs. 20. Merchant One’s competitive rates range from 0. The Downsides Of Being Designated As High Risk. Here are the best ways for your business to process secure payments online. Other examples of high-risk businesses include bail bonds, electronics, and credit repair companies. Ideally, keep your average credit card charges below $500. 00% for e-commerce. Interchange fees. Merchant One offers a strong slate of features. Besides high-risk merchant account providers, there are low-risk merchant account suppliers. High-risk processors will be able to guide you on ways to reduce your chargebacks and keep your fees low. However, firearms merchants are also classified as high-risk and obtaining an online firearms merchant account is extremely difficult. Low-risk accounts usually benefit from lower prices because they demand less work from payment processors. A high-risk merchant account is a type of business bank account set up by a payment processor that allows merchants to accept credit and debit cards for their business, even though they have been labeled as a high-risk business by a previous processor or payment service provider. Merchant category codes — or MCCs — are four-digit. The increased processing costs that high-risk merchant accounts are required to pay are a form of compensation for the risk that the payment processor is taking on. . - Advertisement -. This. 1. High risk and low risk. Besides high-risk merchant account providers, there are low-risk merchant account suppliers. They also need to manage inventory, develop the company brand, and promote the products or services. Depending on which kind of credit card your customer uses, the cost of processing varies. However, the company specializes in serving the high-risk community, accepting a very wide variety of industries that ordinarily struggle to get approved for credit card processing. Application: The business applies for a high-risk merchant account with a specialized payment processor that specializes in high-risk businesses. What are the differences between low-risk and high-risk merchant accounts? Low-risk merchants: Often process less than $20,000 per month in credit card transactions; Process credit card transactions for typically less than $500; Have very few chargebacks; Have minimal returns; Only do business in low-risk countries; Alternatively, high-risk. Shopify: Best For eCommerce Businesses. TL;DR: A high-risk merchant account is a service that processors offer so that entities in fraud or chargeback-prone industries can accept card payments. Revitpay is an inclusive credit card processor that serves both low-risk and high-risk companies. Leaders Merchant Services – An established online payment processor with negotiable rates. We offer a custom and modern payment processing solution; whether. Merchants with recurring annual or monthly fees. 9158 9-5 EST and watch us actually pick up the phone! Thousands of Business Need Merchant Accounts and Credit Card Processing Every Year. 6% plus 10 cents, while the fee for a high-risk account might be 2. Opting for a low-risk merchant account provides multiple advantages, such as lower. High risk merchant accounts come with higher transaction fees, stricter underwriting requirements, rolling reserves, and limited processing options. Low Risk Merchant Processing Fees. Based on various characteristics, credit card processors divide merchants as either high risk or low risk. While the vaping/e-cigarette industry is highly profitable, banks and credit card processors also consider it high-risk. Low-risk merchants generally have a low chance of fraud and minimal sales amounts. Higher fees: Due to the increased risk, banks and payment processors often charge higher fees for these accounts. Card-not-present fraud is a type of credit card scam where the customer doesn’t physically present a card to the merchant during a fraudulent transaction. Understand your PCI compliance requirements. High-Risk Merchant Account Processing Solutions. Research alternative payment processors and find one that is willing to work with you. Payment processors have different guidelines but have common factors around their market. Moonlight Payments stands out as a dedicated payment processing provider for high-risk merchants and specialized industries. If a merchant clears $20,000 per month and/or an average transaction over $500 they are considered high risk. We therefore consider them to be. You need to be aware of this because lowering your credit card processing fees is only half the battle. If you can limit your chargebacks, you should find that more payment processors accept you as a low-risk merchant A business that accepts credit cards for goods or services. Stax is a great option for established small businesses with high annual revenues. 24/7 customer support is. Standardized fees so you’re never surprised by a higher-than-usual cost. A low risk merchant runs an online company with consistent and non-regulated online transactions. Due to the perceived financial risk to banks and. Offshore bank accounts offer benefits such as lower taxes, increased privacy, and expanded global reach. Some of the most common businesses the platform specializes in include health and beauty, fantasy sports, financial and legal services, firearms, travel, tobacco and vape, SaaS, and. The most common items removed are collections (55% success rate), late payments (54%), and medical bills (43%). Cashback and reward points for certain merchant categories must. ProMerchant: Best ACH Processor for Flexible Pricing Options 6. Companies like Shark Processing help merchants expand their reach globally and tap into new markets, offering convenient payment options to customers worldwide. These are just some of the many dedicated merchant accounts High-Risk Processor offers. Low-risk Merchant Account. At Payment Savvy, we are high-risk merchant account experts and have tailored our products and services to cater directly to these businesses. Leaders Merchant Services: Affordable Recurring Payment Processor With Negotiable Contracts. It is a superb tool for low-risk merchants, as it allows for ACH, credit card payments, and invoice creation with seamless integration into QuickBooks accounting software. 855-794-1134. High-risk businesses can expect processing rates of 3. Claims made by payment processors to “pre-approve” or “instantly approve” high-risk merchants within 24-48 hours are very misleading. The best merchant services are companies that offer a wide variety of payment options, low fees, and easy-to-use hardware and software for effortless payments. The first difference between high and low-risk merchant accounts is the application process. Wholesale Merchant. e. High-Risk Offshore Merchant Processing Account May 25, 2022 IPTV Payment Gateway For Website May 24, 2022. Our services are. High risk merchants are less likely to get approved for a merchant account with many processors. A voided check, or other proof of bank accounts such as a signed bank letter or barring that, your bank’s routing number and your bank account number. A low-risk merchant account needs to meet many requirements, including a smaller number of transactions, low chargebacks, and low revenue. Unlock the Benefits of a Low-Risk Merchant Account for Seamless Transactions. We carefully combine high-quality services with low prices to further our goal of becoming the leading high-risk merchant account provider in the country. Low-Risk Merchant: High-Risk Merchant: Average monthly sales volume: Less than $20,000: Over $20,000: Average credit card transaction:. Durango Merchant Services: Best For High-Risk Merchants. We have almost 15 years of experience working with merchants in this category, including merchants with high volume, higher-than-average chargebacks, and other risk factors that are a turn-off to traditional merchant account providers. since that is why many merchants end up seeking high-risk merchant processing in the first place. 2) Non-interchange fees are generally fees accessed by the payment processor. Some examples of low risk industries for credit card processing include: Retail: Physical stores that sell tangible goods, such as clothing or. Although they’re expensive, they allow companies that would otherwise have to operate on a cash-only basis to accept credit and debit cards, ACH transfers, and other payment methods. 3. Chase Merchant Services: Best for fast deposits. When it comes to low risk merchant accounts, typically the reoccurring monthly fees are low or minimal, but that is not the case with a high risk credit card processing merchant account. High-risk merchant accounts are required for all high-risk merchants that accept online payments. High risk processors won’t terminate the account for just being in a high risk. Since account providers consider high-volume merchant accounts to be at higher risk, you will pay more for your credit card processing. The best credit card processing companies of 2023 include SquareUp (best for small businesses) and Stax (best for subscription-based pricing). However, these two accounts vary. To cover this risk, processing costs are greater for high-risk merchant accounts. It offers the lowest monthly pricing we’ve come across so far at $13. When it comes to merchant accounts, there are high-risk and low-risk businesses. But companies like PaymentCloud can help you find competitive processing rates. Host Merchant Services is one of the companies that offer both high-risk and low-risk credit card processing. Helcim: Best For Growing Businesses. Ultra-high-risk industries (like adult, firearms, and e-cigs) can even see higher rates. This can rage anywhere from 5-20%. 5 Cheapest Credit Card Processing Companies In 2023. High risk merchant account fees. The criteria that determines what low-risk is, needs to be. PayPal, alongside Stripe and Flagship Merchant Services, ties for the No. These credit card payment processors offer merchant services with reasonable costs, accessibility, transparency, and good overall value. Stripe: Best Nonprofit Credit Card Processor For Advanced Customization; 6. Before you apply for a credit card processing and merchant account, you will need to decide whether you are a low-risk merchant or a high-risk one. Learn more about our high risk merchant processing services by submitting a message or calling (800) 993. No offline paperwork, no faxes, no waiting. This label is often due to the. The eCommerce credit card processing providers on this list serve high-risk, high-volume, low-volume, international, or new businesses, among other criteria. PayPal: Best for range of accepted payment types. CardMax Payments offers flexible accounts, easy set-up, and competitive pricing. KIS Payments: Best For Cash Discounting. A low-risk merchant account, among other things, usually has these. We do this through. GoCardless Review - January 10, 2023. Merchant services include payment processing, merchant and business bank accounts and point-of-sale solutions. High risk rates as low as blended 2. The fees for low-risk accounts, however, will be significantly lower than those associated with high risk merchant accounts. Customer support for point of sale (POS) transactions. com. Meanwhile, High risk merchants must pay higher processing fees to compensate for this additional risk. For example, merchant sells nutraceuticals. The primary aspect that qualifies your business model in a high-risk vertical. You’ll probably face a higher fee to set up your merchant account, and then. Square credit card processing is a useful service for low risk merchants. Square. Cashback and reward points for certain merchant categories must. High-risk merchant accounts are assigned to a business for a number of reasons, some of. For example, its rating on Google is 4. Low Industry Rates. S. Interchange-plus & membership pricing. Online transactions are susceptible to fraud. Whether you are looking for high-risk merchant processing services or a low-risk merchant services, it all comes down to risk. Firearms Merchant Accounts. 5 To ensure effective risk management, banks that initiate transactions for processors should require the processor to provide information on their merchant clients such as the merchant's. Instead of requiring a contract, the company. Many providers don’t offer interchange-plus at. An application form is needed to be filled online to get a high-risk merchant account. High-Risk vs. Low-risk merchant accounts often come with lower fees that can help your business grow. Card present transactions. 95, depending on your plan. 05%-0. Visit Site. 10 per transaction (low-risk accounts) Processing rates vary by the acquiring bank/back-end processor (high-risk accounts) $15/month account fee (low-risk accounts). Shift Processing Reputation and Reviews. Definition of Low Risk Merchant. 10 per transaction (low-risk accounts) Processing rates vary by acquiring bank/back-end processors (high-risk accounts) $15/month account fee (low-risk accounts) Account fees vary by the acquiring bank/back-end processor (high-risk accounts)Here’s how this process works: 1. 2% to 3. If you are a vaping merchant, you will need a. Forex and gaming merchants must also have relevant permits to use an European high-risk merchant account. Accept payments in your business via credit cards, online, or mobile options. Payment Savvy is the leading high-risk merchant processor offering low-risk mainstays – transparent and fair pricing, no contract terms, and 5-star customer service. Low-risk merchants. On the other hand, low risk merchant accounts. Stax: Best Credit Card Processor for High-Revenue Businesses. The flat rates are: Domestic credit and debit card payments: 2. 3. PaymentCloud is a merchant services provider. However, choosing a credit card processing provider is a big decision. NACHA, the governing body of The Automate Clearing House (ACH), implemented same-day ACH processing, effective March 16, 2018. If it can’t, it’ll pay you $500. 20% + $0. High-risk vs. Visit Site. A high-risk merchant account will take far longer to approve than a low-risk one if you're hoping for rapid approval. Support for. Some examples of low. Unsurprisingly, their business indeed sells fireworks, which are associated with higher risk. In a nutshell. Our combined 30 years of experience allows us to confidently offer a distinguished service, with both integrity and great value. PayKings (Merchant Payments Acceptance Corp LLC) is your powerful partner in global transaction Low, Medium, and High Risk Merchant Accounts processing solutions through US acquiring banks and. ccNetPay – Best for a simple pricing structure and EU transactions. During the underwriting process, if anything in your application tips off the payment processor that you are a high risk merchant, one of two things will. Low-risk industries have a lower incidence of fraud or chargebacks. While different payment processors have different guidelines, there are similarities shared across the industry. Vape, Glass, CBD and Kratom Approved. Adept Payments offers high-risk merchant accounts as well as accounts for low- and mid-risk merchants. Moonlight Payments Overview. How Are High-Risk Accounts Different From Regular Ones. Call us Toll Free (866) 509-7199 Accessibility Click here for Accessibility adjustments. Aggregators are playing the safe game and want low-risk merchants with low-risk transactions. Chase Payment Solutions Canada: Best Large, Direct Payment Processor. k. A low-risk transaction is typically when a customer presents a charge card, which is physically swiped on the market premises to complete a purchase. Get a. The industry is low-risk overall. Each bank sets the rules and regulations for payment processors. Learn More . When a merchant is processing too much in a given month, it can be a red flag for fraud or incoming chargebacks. Authorize. You have a zero to low-chargeback ratio. The processing costs for all transactions will often be higher than those charged by low-risk merchant accounts. Stax: Best for avoiding transaction fees. Credit Card Processing Reviews. Published: November 14, 2022. For example, when US businesses establish a European offshore payment processing account, the European account is considered an offshore account for the business in the US. 3. 08-$0. Labeling the risk level of your business will help you in finding the right solutions. Stripe: Best for international payments. Because of this, we can help you get your retail or. has a solution for you through our direct merchant processor and gateway partners, we can provide you with end-to. Fireworks A merchant with the word “fireworks” in their name was assigned MCC 5399, a low-risk category. When it comes to credit card payment processing, you might have difficulty getting approved for a high-risk merchant account depending on what vertical you fall in — but it can also be due to a history of fraud, a low credit score, or a high ratio of chargebacks. Listed below are just a few tips to help clarify the process of selecting a merchant payment processor. Plus, you are low-risk if your average credit card processing amount is less than $500 per transaction. Clearly Payments: Best For Membership Pricing. There’s a processing volume limit that, if reached, can freeze your funds and possibly result in account termination. High-risk Merchant Account Vs. What Underwriters Look For When Approving European Merchant AccountsHigh Risk & Low Risk Merchant Accounts. Support for. Unlock the Benefits of a Low-Risk Merchant Account for Seamless Transactions. A high-risk merchant account is a special type of payment processor created for businesses with a higher risk of chargebacks and fraud. . This assessment may be based on the nature of the business, the. With high-risk merchant account processing, various factors can make issues about high-risk payments even more nuanced. It is worth considering if you are an e-commerce business in a high-risk category in need of a high-risk merchant account. If a merchant conducts more than 85% card present transactions, the business is considered low risk. During the merchant underwriting process, the payment provider will assign a risk level to the merchant account application. High risk credit card processing highriskpay. Most processors spike their rates quarterly, and some even do it as often as a monthly rate increase. The company’s EPD Gateway is its primary product, with merchant accounts provided through partnerships with numerous major US and international processors and banks. The Difference Between Low-Risk & High-Risk Merchants. Durango Merchant Services: Best for highest-risk businesses. It is the acquirer’s responsibility to monitor a merchant’s compliance and ensure that High-Risk Merchant Account vs. 16. Just as importantly, the criteria that determines what. As such, all high-risk merchant accounts registered under the company come with iSPY and EMV 3D Secure 2. Monthly fees: These fees are typically meant to maintain your merchant account. Low-risk merchants generally deal with less than $20,000 of credit card processing per month. Only the potential for more sales makes high-risk merchant accounts. Low-risk merchant accounts are generally easier to obtain, with less stringent underwriting requirements and lower risk tolerance. Visa, MasterCard, American Express, and Discover all have different merchant processing fees. Stripe Payments: Best For eCommerce Businesses. So, they turn down many applications. High risk merchants are less likely to get approved for a merchant account with many processors. Merchant Funding. Some examples of low-risk merchant accounts are gas stations, grocery stores, pet stores, auto part stores, and parking garages. Square: Best for point of sale (POS) Payment Depot: Best for flat-rate pricing. Due to the division of businesses into low-risk and high-risk merchant accounts by payment processors, this is the case. INT + 0. By. g. Seamless Integration. SMB Global exclusively deals with high-risk and international businesses. Merchants can easily make the mistake of choosing a low-risk processing option as they are very convenient, easy to get up and running, and great for low-risk processing. HighRiskPay. We have almost 15 years of experience working with merchants in this category, including merchants with high volume, higher-than-average chargebacks, and other risk factors that are a turn-off to traditional merchant account providers.