A merchant services account is a dedicated bank account that allows you to accept and settle card payments through a credit card processing company. It connects your business’s system to the acquiring bank and enables you to process payments securely and reliably.
Credit card processing for high risk businesses
High risk doesn't mean high stress. Our seamless setup gets you accepting cards faster, with lower fees.
Optimize conversions
Provide a seamless checkout experience offering multiple payment options.
Protect your revenue
Keep your earnings safe with advanced fraud and chargeback protection.
Avoid funding holds
Eliminate payment delays and high reserves with reliable solutions for seamless service.
How it works
Set up your high risk merchant
Set up your high risk merchant
account in 3 easy steps
1
Apply online within minutes
Complete our online application in less than 10 minutes. Secure and straightforward.
2
Get an instant quote
Once your application is submitted, an expert underwriter will review the details and provide an update within 24 hours.
3
Start processing
Our onboarding team will assist with the payment gateway setup so you can start accepting payments right away.
Apply for a high risk merchant account in under 10 minutes
and get approved within 24 hours.
Benefits
Seamless payment processing
We deliver a seamless customer experience with payment solutions that integrate
fraud prevention, chargeback reduction, and approval rate optimization.
- Virtual Gateway
- 3D Secure
- Flexible Transaction Limits
- Recurring Billing
- Custom Webhooks
- Automatic Card Updater
- Electronic Invoicing
- Check Processing
- Text-To-Pay
- Apple & Google Pay™
Pricing
Industry minimum rates, guaranteed.
We guarantee to beat any payment processing rate offered by a qualified competitor. If you find a lower rate for comparable services, simply show us the offer and we will beat it while providing you with the same high-quality service and features that set us apart.
How can we help you?
(888) 599-6482We support you at every stage — from onboarding to deployment — offering 24/7 assistance via phone, email, and chat. Access additional resources directly in your dashboard and benefit from personalized recommendations to help your business grow.
Frequently asked questions,
answered.
The acquiring bank is the institution that handles your business’s transactions from the credit card processor, deposits funds into your merchant services account, and liaises with the card-issuing banks through the payment networks.
When a customer pays, the credit card processing company forwards the transaction to the acquiring bank, which routes it through the card network to the issuing bank for approval, then settles the funds into your merchant bank account once approved.
Many payment processing solutions charge monthly fees for maintaining your merchant services account. These credit card processing fees cover costs such as account access, reporting dashboards, and support from the credit card processing company.
Look for a provider that offers transparent pricing, supports your merchant bank account setup, and works smoothly with your acquiring bank; this ensures you can process payments efficiently and avoid hidden costs.
If a customer disputes a payment, the credit card processing company collaborates with the acquiring bank and the issuing bank under the card network rules to manage the dispute and determine whether funds are reversed.
A merchant bank is the bank that holds your business’s merchant services account and manages your deposits, while the acquiring bank is the institution that processes your card transactions on behalf of your business through the payment networks.