What to Expect If You Require High Risk Processing

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You have recently determined that your business is considered high risk.  While it’s not necessarily a bad thing for business, you will want to educate yourself on the ins and outs of high risk processing services that won’t leave you up in the air. Sure, you may have had personal factors that contributed to your need for high risk processing, but there is more to consider in determining what type of processing your business requires. Our advice? Don’t take it personally and read on to learn about the expectations that you (and your processor) should have for your business’s success.


Are you in one of these industries? You probably need high risk processing.

Ultimately, the ability for a processor to work with your business is at the discretion of the processor and their team (including a bank and an underwriting team). That being said, the following industries typically require high risk processing services:

  • Travel
  • Adult Entertainment
  • Debt Collection
  • Gaming & Online Gambling
  • Nutraceuticals
  • Telemarketing
  • Firearms
  • Online Tech Support
  • Multi-level Marketing

Do you fall into any of these categories? Work with a high risk processing provider who specifically markets to your industry. Many processors are known for their reputation for working with high risk businesses so make sure you do your research before reaching out.


Requirements for Your Business

A resourceful high risk processing service provider will ask a few things about your business to make sure that you’re keeping up with mitigating your risk. One thing you may run in to would be a temporary hold on your account. This kind of delay would prevent funds from being deposited into your business bank account, which should all be disclosed to you at the time you sign up to process with a particular provider.

This restriction on your account still allows your business to complete card transactions but also protects the processor and helps keep your risk level under control. As a risky business, you cannot afford to have fraudulent transactions occur at your business. At the end of the day, a temporary hold is a safety net for all parties involved in processing – you, your processor, and your customers.

If you are high risk, it’s important to remember that there are many trusted and reputable payment processors that are very willing to work with your business. Don’t settle for the first company you find in a Google search and do a little research for the sake of business growth.

Find A High Risk Solution

As a processor that works with a lot of merchants that have been labeled “high risk”, Payline has a great reputation for helping businesses like yours limit chargebacks and stop fraud in its tracks.

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