Accounts that have a history or are more susceptible to chargebacks (above 1%) and selling what might be considered a ‘controversial' product, long window delivery periods, or even high return volumes can be High Risk.

The type of business - Travel, Debt collection, Credit Repair Services, Multi-Level Marketing, SaaS, CBD or Smoke Shops, Subscription-Based Services, Business Consulting Services and Digital Marketing.

General Risk Factors - Low FICO score (i.e. 625), Bankruptcy, No Credit, Average Transactions above $1,000, High Monthly Volume (Over $1M ), US corporation with foreign owners, Chargeback history and New businesses with less than 3 months processing history.

Every situation is different and we are willing to work with you and the banks to find you the most competitive pricing possible. Additionally, building a history with us can lead to lower rates as you progress your business.

Many of the merchants who have come to us have already been shut down or frozen by other processors (not naming names but it probably starts with an ‘S’), been forced to accept astronomically high reserves, or just about anything you can think of. We work with you directly to get you back up and processing regardless of your history.