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Low Risk Businesses

Conventional Merchant Accounts


Low-Risk Merchant Account
These are businesses that are considered stable, have predictable sales, low chargeback rates, and operate in industries with minimal fraud risk.
Typical characteristics:

  • Low chargeback and refund rates

  • Operate in well-established industries

  • Process lower monthly volumes (often under $20,000)

  • Serve primarily local or domestic markets

  • Have a good credit history

Explore Our Additional Services

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Solutions for every way you take payments

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E-commerce, payment gateways, payment buttons and more

Online

Standard desktop and mobile terminals

Terminal

Take payments anywhere on your phone

On-The-Go

Track

orders, inventory, employees & more!

Point of Sale

Merchant Solutions

Our solutions cater to ALL transaction types. Online, in-person, and more, ensuring seamless payment processing for every customer interaction.

Is your business considered

or

A low-risk merchant account and a high-risk merchant account are classifications used by payment processors to assess the level of risk a business presents when accepting credit and debit card payments. The classification impacts fees, underwriting requirements, reserve requirements, and even eligibility for certain services.

How It Works
Apply In Minutes
Getting started is quick and easy. Our streamlined, fully online application takes just minutes—no piles of paperwork or complicated steps.
Fast, Clear Approval
We move fast -- most approvals happen within 3-5 business days. If we need anything from you, we'll communicate clearly and keep things moving. 
Start Accepting Payments
Once approved, you're ready to go! Our secure and flexible payment solutions make it easy to accept payments. Plus, out in-house support team is with you every step of the way. 
Track, Grow & Relax
Monitor transactions in real-time through our all-in-one platforms. Whether you're scaling up or just getting started, we've got the tools and support to help your business thrive. 

High Risk Businesses

Unconventional merchant accounts. 


High-Risk Merchant Account
These accounts are for businesses that pose a greater risk to processors, often due to the nature of the industry, higher chargeback rates, regulatory scrutiny, or business model volatility.
Typical characteristics:

  • High chargeback or fraud potential

  • Subscription or recurring billing models

  • International transactions

  • Poor or no credit history

  • Involvement in regulated or controversial industries

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