Known for its high approval rates and fast processing services, High Risk Pay is a reliable choice for businesses dealing with high transaction volumes. Moonlight Payments stands out as a dedicated payment processing provider for high-risk merchants and specialized industries. Let us handle your high risk merchant services today. Many processors will not deal with high risk merchant accounts at all, and in fact merchants in high risk businesses may have to work with specialized processors, and they may even have to set up their merchant accounts with over-seas companies. Square: Best overall. View our rankings of the best high risk merchant account providers for nutraceuticals. 2Checkout bases its pricing on a pay-as-you-go model — you’ll pay per transaction, but there are no monthly or annual account fees or early termination fees for closing your account. com can help you get your business the proper credit card processing account. Integration with popular e-commerce platforms and shopping carts. For a detailed comparison of MX Mearchant vs. High Risk Pay are specialists in providing payment solutions for credit repair companies. Here are brief overviews of the seven best merchant account providers in the industry that accept CBD merchants: PaymentCloud: Best For Dedicated Account Manager For Customer Support. 2Sell: 3. Though there are large-sized dropshippers that charge monthly or annual subscriptions, there are some that offer free trials and/or apply small fees to products that are shipped to customers. Bank Account opening services in offshore jurisdictions and Onshore jurisdictions based on clients` requirement for both personal bank account and corporate bank account. With their industry-specific expertise, customizable payment solutions, and competitive pricing, National Processing offers a reliable and secure payment processing service that meets the unique needs of high risk merchants. We approve bad credit merchant accounts within 24-48 hours and quick setup once approved. For this reason, high -risk accounts require a unique personal identification. Payment Depot: Best for High Transaction Volume. United States-based customers get a free Pax S300 payment terminal;. Moonlight Payments is a standout choice if you're searching for a merchant account provider that specializes in serving businesses with bad credit. Net payment gateway integrated with a high-risk merchant account specifically approved and underwritten for a specific product category or marketing method that most merchant account providers generally prohibit. +208-806-2953Fortunately Merchant Account Providers specialize in providing electronic payment options to any type of business across the board. Additionally, 5 Star Processing can assist high-volume merchants and ACH processing. Authorize. 1. The Terminated Merchant File, better known as the TMF list or MATCHlist (Member Alert To Control High risk), is akin to a ‘detention’ of sorts for merchants. High-Risk. Soar Payments: Best for High-Risk eCommerce Businesses. EMB makes applying for a smoke shop merchant account quick, simple, and affordable. Selling CBD is perfectly legal in the United States. net: Best for fraud prevention. With EMB, you can enjoy top reliability, convenience, and ease of payment processing. You don’t want to lose another sale all because your business doesn’t accept credit cards, and if you apply today, you will be able to receive a retail credit card terminal. For more information, visit the Host Merchant Services website or call (888) 727-4538. It is the single solution for all your high-risk payment-related problems in Singapore and the rest of the world, too. There are many United States merchant account providers that specialize in high-risk businesses and will ensure your account stays open despite the risk of chargebacks,. Durango Merchant Services experts will help to guide you through the requirements and options with the primary goal of providing options for approval. High-risk merchant account fees are the fees charged by the provider in order to offer you the merchant account service. Looking for High Risk Merchant Account Providers in USA? Elmore Merchant Services provides High Risk Merchant Account in USA. Accessed on February 21, 2023. As merchant account providers, it is our job to give you the hardware, the service and the know-how to accept these different forms of payment. PayOp is a payment aggregator for various business types. When your business has been labeled a high-risk merchant account, you will almost always pay higher. Our commitment to beating competitor rates, dedicated customer service, and thorough rate review. Unlike banks and other merchant service providers, we cater specifically to high-risk businesses to deliver incredible service for an unbeatable price. Tier 1: This is the right option for businesses that process under $25,000 per month. This is because they are willing to take on more risk,. This could either be in the form of transaction volume or add-ons. The Problems For High-Risk Merchants. With over 20 international and. net, give you access to information regarding your new account. For more information, please contact us at 800. Speak one-on-one with a merchant account manager today at 1-800-530-2444, select the contact button above or the live chat option below. The list is a database of information about business, their owners, and the reasons and/or codes for why they were placed on a TMF. (As as long as it doesn't contain more than 0. Depending on your industry, we have multiple payment processing solutions, including high-risk credit card processing and high-risk ACH processing. American Merchant Systems (represents 25+ different processing sources (US based banks, domestic banks, domestic merchant accounts, offshore banks, offshore merchant accounts, third party processing, ACH Check Processors, check guarantee services, check conversion services, and ATM machines. that the merchant may not fulfill their responsibility to pay for the charge-backs, then it may be considered high risk. 1) How a Merchant Account Works. High -risk traders accounts highriskpay. Credibly Image source: Credibly. Best High-Risk Merchant Account Providers for Small Businesses in 2021. ” Shopify Holds Funds: Merchants frequently complain about their funds being withheld in reserve, but this is standard practice if an account has an elevated. With a 98% approval rate, we take pride in being able to accept almost every business type, regardless of risk level. 1. Interchange + 0. National Processing: Best For Clover Processing Hardware. BankCard USA has offered high-risk merchant accounts since 1993. High volume solutions: load balancing gateways and multiple MIDS. If your business is classified as high risk, you want to make sure that you have the best high risk merchant account provider to help you run your company. These companies have established themselves as trusted suppliers of high-quality peptides and offer multiple payment methods, including credit cards and cryptocurrencies. Finding reliable high risk merchant account providers in USA, providing online credit card processing services can be challenging for nutraceutical merchants. Reasons Why You Should Open Offshore. The Payments Experts Podcast. Shark Processing is a high-risk payment provider servicing merchants in the United States and internationally. Recent studies show that more than 65 payment providers offer CBD merchant accounts in the US. PaymentCloud: Best For High-Risk eCommerce. 87 out of 5, primarily for its low interchange fees. PayOp is a payment aggregator for various business types. Here are the best marijuana payment processing companies & the truth about credit cards. Again, adult entertainment account and payment processing rates fluctuate with season. This system immediately alerts merchants about disputes, giving them enough time to correct any misconceptions before a chargeback occurs. What is a High Risk Merchant Account. In thisView our rankings of the best high risk merchant account providers for collection agencies. Finding the right merchant account provider can be challenging, especially for high-risk merchants. However, high-risk payment processing is what PaymentCloud is best known for. This is especially true when it comes to finding a payment processor for high-risk merchants. The top processors are determined based on competitive rates, etc. Authorize. in-person; 2. PayKings is the preferred adult merchant account provider in the adult industry. This includes “high-risk” industries such as CBD, firearm sales, kratom, and adult entertainment. Instabill offers fast approvals and will guide you through each step of our merchant account application process. A lot of merchant account providers don't accept high-risk merchants. 25/keyed-in transaction (volume discounts available) Best all-around virtual terminal. The database aims to prevent. What is a high-risk merchant account? [A high-risk merchant account is a business account or merchant account that allows the business to accept credit cards though they are considered risky by the banks and credit card processors. “ Market share of cash, credit cards. NH03801, USA; EU Registered Address: Instabill Limited, 19 Giovanni Curmi Street, Lija, Malta [email. Being tagged as a high-risk merchant account means that the payment service provider will consider you are at high risk of having higher chargebacks and refunds on your credit card transaction while with the low-risk merchant account, you are considered to be less prone to chargebacks. Each merchant account provider has its own guidelines to determine whether a business is considered high risk. Like most high-risk merchant account providers, PaymentCloud does not disclose pricing information online. It also allows accepting wires, E-wallet payments, crypto, debit cards, and international (local) payment methods of merchant's choice. A high-volume merchant account is a merchant account that is specifically geared towards merchants who have a higher than normal volume. Luckily, Instabill takes on the responsibility. Our commitment to beating competitor rates, dedicated customer service, and thorough rate review. Leaders Merchant Services: Best for Established Businesses 4. Many of its features are identical to a regular merchant account. To learn more about high-risk payment processing or to sign up for a merchant account, you can visit Charge. BankCard USA takes a different approach. Top 15 Industries where the Best High Risk Merchant Account provider can provide reliable and affordable payment processing services. High-risk merchant accounts attract more stringent conditionalities than regular merchant accounts and are more expensive to manage. UK HQ. Contract Many payment processors offer month-to-month contracts with no termination fees. All you need is a dedicated bank account to process payments. 0% + $0. Here is a detailed list of merchant. A merchant account is a type of business bank account that allows businesses to process electronic payments such as debit and credit cards. 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. We have high risk accounts for businesses that have a high-risk processing volume of $20,000 – $100,000, 000 plus per month. Instabill is one of the industry’s leading high risk merchant account providers worldwide. The company’s products and services include online marketing tools, an online payment gateway and virtual terminal, gift and loyalty. 4) Avoiding Set-Up Hassles. Your application for a High Risk Merchant Account will be. ccNetPay – Best for a simple pricing structure and EU transactions. Not sure if you’re a high risk merchant? Unsure where to begin? Please contact a merchant consultant at 1-800-930-4476 for more information or to apply for a merchant. We have a broad nationwide network which runs via our processing banks to merchant accounts. Merchants can receive real-time alerts for all chargebacks lodged when enrolled in an alert service offered via the Ethoca alert system or Verifi networks. However, ProMerchant’s pricing is considerably lower than Clover’s. Doing business in countries with a high level of fraud. Currently, consumers’ most preferred payment methods are credit and debit cards. Working with a qualified high-risk. Host Merchant Services is a Newark, Delaware-based merchant account provider that is capable of serving most domestic high risk business types. 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. Home;. Toggle navigation +1 (855) 403-3855 [email protected]. High Risk Payment Gateway. Shopify: Best for. g. partnerwith a reliable merchant services provider that can. For a US merchant account, the merchant typically must have the following: 1) US Bank Account. 20. Unfortunately, CBD’s legal standing and regulatory requirements give CBD businesses a high-risk categorization, limiting the capability of CBD merchants to. High-risk business or industry: Businesses and industries that MSPs view as having a higher chance of failing financially. The company specifically markets. No. 5. Many banks consider CBD sellers "high-risk," making merchant services — like simple credit card processing — a struggle. No. Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving businesses of nearly any type. GSPAY is a little-known high-risk merchant account provider that offers a variety of fixed rates for different types of businesses. 60 per transaction. For example, merchant sells nutraceuticals. One essential service that top merchant services offer is credit card processing. Merchant services should support your business, not drain it with excessive fees. Determining the risk level of your International merchant account involves evaluating various factors, including your industry, payment processing needs, and the nature of your business. Proven Peptides, and 4. In extreme high risk cases, the reserve may be required by all. Corepay is a newly established merchant account provider that accepts both low-risk and high-risk merchants. The company’s products and services include point-of-sale solutions, mobile phone swipers, an online. Skip to content (866) 582-3062; info@elmoremerchantservices. In simplest terms, a merchant account allows your business to accept different kinds of payments – usually credit card payments, but also online, mail or even telephonic transactions. Next day funding. You don’t want to lose another sale all because your business doesn’t accept credit cards, and if you apply today, you will be able to receive a retail credit card terminal. Many merchant account providers now offer solutions tailored to those businesses, so make sure you look for one that specifically mentions the ability to accept applications from businesses with poor credit. First Card Payments offers high-risk merchant accounts and credit card processing. If your business operates in a high-risk industry such as gambling, travel, or pharmaceuticals, high-risk merchant account providers like Instabill and ccNetPay may be suitable. An Independent Sales Organization, or ISO, is a specialized third-party company that sells and manages credit card processing services outside of a bank or other financial institution. These accounts typically come with stricter requirements. If you’re interested in high risk payment processing, consider turning to EMB, the #1 high risk processor in the US. Square. Forex and gaming merchants must also have relevant permits to use an European high-risk merchant account. PayKings offers payment solutions to businesses in high risk industries, which means that as payment processing providers, our banks are willing to accept the liability for the increased risk associated with those businesses that are categorized as needing a high risk merchant account. This is where high risk merchant account providers come into play. 10 per transaction. As a rule, you can expect higher fees for opening an account, processing payments, handling chargebacks and terminating your contract early. Get a free card swiper from Square at no cost when you create a free account. Therefore it is best to check with that particular provider. Hillcrest Drive Suite 209 Thousand Oaks, CA 91362. In addition to the security provided by a high -risk trader account, they can be canceled if a large amount of payment is recorded. Therefore it is best to check with that particular provider. Helcim: No monthly account fee. Offers Paysley QR-code payment service. Internet Merchant Account. Adult payment processing is high-risk credit card processing so it comes with different fees and fee requirements which vary by service. The merchant account provider will approve your application if you fall into its low-risk category. The best way to get a poor credit account is to provide processing data for your business. Where one provider may consider you high risk, others may not. Flagship Merchant Services: Best. Our high risk payment gateway. Typically, these include industries that are. Visit Site. Assuming the authorization is passed,. High risk merchant account s allow businesses that are considered high-risk, to process payments online. Moonlight Payments Overview. Best for online and international sellers: Durango Merchant Services. They enable you to accept credit cards, debit cards, and electronic payments. Helcim: Best for interchange-plus pricing. Monthly fee: $10 for in-person sales. Need a Merchant Account for your CBD Online Store? High Risk Merchant Account & Payment Gateway Provider⚡ Instant Approval Contact us ☎ (800) 956-1277. Join us as we delve deeper into the world of direct marketing merchant accounts. A high-risk business is prone to excessive refunds or chargebacks, takes parts in risky business practices, or sells products that are part of a high-risk industry. The best high-risk eCommerce merchant account providers know how important it is to safeguard customer information and protect your business from criminals. Accepts high-risk merchants. The Best High-Risk Merchant Accounts of 2023 PaymentCloud: Best overall Host Merchant Services: Best for large high-risk businesses Durango Merchant Services: Best for highest-risk businesses SMB Global: Best for international merchants Soar Payments: Best for United States-based businesses See morePayPal. They will help you prepare your application, explain the documentation needed, guide you through the approval process, and answer any questions you may have. ACH on Authorize. Step 1: A customer buys a product or service either online or in-store. After the credit card data is captured, the company’s payment processor pings the customer’s. Before selecting a high-risk merchant account provider, make sure to perform adequate research about providers who have histories. A high-risk merchant account allows you to expand your horizons in the corporate world by allowing you to participate in elements of it really. Like traditional merchant accounts, it allows merchants to process credit cards, debit cards, and other payments from customers. The five providers we’ve listed above are all great options for businesses of all sizes. Be prepared for a site inspection; this is often times required by high risk processors. Our solutions also support both US dollars and euros,. Determine the payment plan. 50% + $0. We specialize in providing merchant account and high-risk merchant accounts. $20 for online sales. High-risk merchant accounts: Some industries have a higher risk of credit card chargebacks. Exclusive Promo: PaymentCloud will give you $200 if they can't beat. 3. A merchant account establishes a relationship between a business and a merchant services provider, like a bank. They know exactly what it takes to get these accounts approved. The top processors are determined based on competitive rates, etc. PaymentCloud Top Rated Merchant Service for Authorize. Contact Us — High Risk Merchant Accounts Available Today. Our high-risk merchant account solutions offer several valuable features for new and existing businesses alike, including chargeback management, credit card acceptance,. A merchant account is a type of bank account that allows an individual, business, or organization to accept debit and credit cards as a form of payment. PaymentCloud: Best For High-Risk Healthcare Providers. A lot of merchant account providers won’t do business with heavily regulated industries, like tobacco, because they’re considered “high risk. However, choosing a credit card processing provider is a big decision. eMerchantBroker (EMB): EMB stands out as another leading high-risk and one of the best merchant account services provider in 2023. 1. Third is vaping and e-cigarettes. Durango Merchant Services is different. Instabill provides reliable, cost-effective merchant services that help e-commerce, retail and MOTO businesses succeed and thrive. Square: Best Free Merchant Account For Small Businesses. Adult entertainment merchants are considered high risk by most banks. 5. Compile Documents: High-risk merchant account providers require more documentation, so businesses should gather financial statements, licenses, tax returns, and bank statements. Stripe: Best for international payments. When choosing a merchant account provider, businesses should consider factors such as experience, reputation, customer support, and competitive pricing. #1 PaymentCloud Strong Reputation For Fast Approvals. Ikajo. Another provider might specialize in gambling, but not take on any other high risk. Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving high-risk business types, like MLMs. Some of the documentation you should be expected to submit as part of a WooCommerce application include details about your business’s sales volume and. Our full suite of electronic payment processing solutions ensures we can help virtually any merchant accept credit cards and checks electronically. High-risk merchant accounts: Some industries have a higher risk of credit card chargebacks. You can also include the last three months of bank statements in your business. View our rankings of the best high risk merchant account providers for adult industry. A merchant account is a specific type of bank account that allows merchants to accept payments. 2Subscribe: 4. Payment Depot Merchant Services. Get started today! Give us a call at 1-866-303-2558. Though these businesses may be profitable, they can run into problems taking payments due to the non-availability of high-risk merchant accounts. The merchant account acts as the middleman between the. There are a variety of reasons why this can occur. That being said, any business falling under the high-risk category should look for a high-risk merchant account provider right away. Durango Merchant Services is different. The bank that hosts your merchant account is also known as an acquiring bank or an acquirer. g. This could either be in the form of transaction volume or add-ons. Service providers offering High-Risk Merchant. Low, Medium And High-Risk Accounts. 5% plus the interchange rate. But the brand touts itself as one of the merchant service providers that jumped on the cryptocurrency bandwagon before many of its competitors did. 2Checkout (Verifone): Best for managing VAT and. US Merchant Accounts. We approve bad credit merchant accounts within 24-48 hours and quick setup once approved. When it comes to. In the United States, overall household debt increased by 11% in the last 10 years, according to a 2016 credit card. Vape and E-Cig Merchant Accounts. High Risk Merchant Account. If a company has high potential of chargebacks, or historically many chargebacks and refunds, the. 2) US Corporation. National Processing offers different plans based on whether you’re accepting payments in-person or online, and it promises $500 if it can’t beat high-volume ($10,000 or more in monthly sales. The best credit repair merchant accounts are able to accommodate high-risk transactions at a fair price with reasonable contract terms. contacting Shark Processing to explore their offerings and determine the best solution. Instabill has been providing high risk merchant account approvals since 2001. EMB is voted the #1 high risk merchant account provider in the US and has an A+ rating with the BBB. Merchant One: Best for easy merchant. Fees for merchant services vary by provider, pricing model, and payment location and method. PayPal – Best for a pay-as-you-go pricing structure. We have created this high level how-to-guide to help you understand the process and requirements of the application process. com. A subsidiary of Visa, Authorize. As you might expect, the processing charges for a traditional merchant account are lower than a high-risk international merchant account. We feature a hassle-free onboarding process with banks. The provider may approve riskier applications but at a higher fee. Tags: Articles Credit and Debit Card Payments EMB solutions high risk merchant account offshore merchant account Offshore Payment Processing. The following are five critical things you want from your CBD merchant account provider; The high-risk merchant account providers in the USA provide fast and secure payment processing, fraud prevention measures, and chargeback management services, among others. In some cases, especially with companies considered start-ups or high-risk, the process of obtaining a merchant account isn’t always easy. Not all merchant services providers require a merchant account. Online gaming companies must have a high risk gaming merchant account in order to accept card payments but maintaining a merchant account comes with a price. Top 6 High-Risk Merchant Account USA Industries Who are High-Risk Merchants? High-Risk Account USA vs Regular Merchant Accounts What Makes a. View our rankings of the best high risk merchant account providers for cannabis. These accounts come with higher fees due to the increased risk. High-risk merchant accounts sometimes come with challenges, including: Higher merchant fees. 75; Midigator. Voted the #1 high risk processor in the United States, EMB talks to each business to get to know its wants and needs. 60 per transaction. A high-risk merchant account is an agreement between a merchant and a bank. PayCly is a pioneer in online high-risk merchant account services in Singapore. ACH Payment Processing; Merchant services first data;Our picks for the best free merchant accounts include Square, Chase, Stripe, PayPal, and more. Merchant Account. For more information, visit the National Processing website or call (385) 777-1235. Call Us Today (818)-825-7938 info@premieronepayments. They have had to use either direct providers, horizontal industry gateways that have been open to serving high-risk merchants and high-risk specific gateways (e. Meaghan Brophy. Including individual transactions and batch totals with comprehensive reporting tools. 5% minus the interchange rate. Offering businesses a full range of high risk merchant services and payment processing solutions: retail, eCommerce, mail order/telephone order, mobile, payment gateways, and checks. Host Merchant Services is a payment processing provider that offers robust solutions for businesses seeking offshore credit card processing. It also offers a free payment processing account and a small ticket program for micro-businesses. High Risk Merchant Account Providers in USA. The company’s products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and. 1. Currently, consumers’ most preferred payment methods are credit and debit cards. Host Merchant Services may help your business grow as a merchant account provider. To get a merchant account, one must submit an application with a merchant account provider. 805. The lowest sales threshold for an ISO account falls at around £80,000 per year for Visa, whereas the highest sales threshold is required by Mastercard at £800,000. If you’re not sure if your business is high risk or you’d like further clarification on our position on bad credit and high risk businesses, give us a call toll-free at 1-800-774-7597. PaymentCloud: Best For eCommerce-Only Vape Shops. While the industry has operated without many regulations, the Federal Government has threatened to clamp down with online payments. 22 years of merchant services experience. Stax: Best for Subscription Pricing. With several domestic and offshore acquiring banking partners worldwide, our merchant account managers can assess. net is a payment gateway company that provides payment processing options for businesses, especially small and independently-owned businesses. Tags: Articles Credit and Debit Card Payments EMB solutions high risk merchant account offshore merchant account Offshore Payment Processing Processing. Merchant account providers may add their own criteria to the list, but here are a few that identify high-risk companies: $500 or more in credit card transactions. PayOp. Get a free Clover Go card reader from National Processing. Luckily, Instabill takes on the responsibility. Normally, you'll be charged a fixed monthly fee (usually between £25 and £75 per month) and then fees on top of every payment you take (which typically range from 1. We have worked to help companies with this business model to succeed in the competitive marketplace and beyond. High Risk Pay is one of the fastest growing companies in the credit card industry since 1997. Stripe: Best overall international merchant account for small businesses. 3. Average Approval Time: 3 days. At High Risk. This service is usually provided in exchange for a percentage of the merchant’s sales. Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving high risk business types. Decades Of Experience. There have been various types of advantages that companies render once they are termed as high-risk businesses. In the mid-1980s, there were 135 ATM and 35 debit regional bank-owned networks. We have spent the better part of two decades securing high risk merchant accounts for our clients. Braintree: Best for online sales across borders. Many other merchant service providers refer high-risk businesses to PaymentCloud because of its excellent reputation in getting businesses approved. With a 98% approval rate, we take pride in being able to accept almost every business type, regardless of risk level. 2. . There are more than 325 million active PayPal users across the world. If even 1% to 2% of your transactions are chargebacks, your merchant account provider might close your account, forcing you to look into high-risk merchant account solutions. Adult payment processing is high-risk credit card processing so it comes with different fees and fee requirements which vary by service. Moonlight Payments stands out as a dedicated payment processing provider for high-risk merchants and specialized industries. Including individual transactions and batch totals with comprehensive reporting tools. Stax is a great option for established small businesses with high annual revenues. A high-risk merchant account is a subset of services that allow businesses in high-risk verticals to accept card payments from customers. Chat with us , powered by LiveChatA merchant account for a high-risk business tends to be more difficult to obtain, and it typically costs more to maintain. High risk account fees go as high as 1. But high-risk businesses may be tied to long-term contracts (2-3 years). All sexually-oriented or pornographic merchants: (i. com, high -risk traders accounts are needed by a business or high -risk website to refuse to pay. Historically, merchants in high-risk categories have had few options for payments. 1. However, ProMerchant’s pricing is considerably lower than Clover’s. 5. Check out high risk merchant account providers in the USA. Call us on (+44) 20 32862655 to get approvals, pre-approvals & expert advice. However, having an offshore account has many benefits. The ACH network is a system that facilitates electronic transfers between bank accounts in the United States. Define your project needs. A High-Risk Merchant Account is a type of merchant account primarily for businesses suspected to be high-risk for any reason. The Problems For High-Risk Merchants. There are some risk factors that providers use to determine whether you fall into the high risk. All the above-mentioned. Application Cost: 0 USD. The Best Merchant Account Services. They have had to use either direct providers, horizontal industry gateways that have been open to serving high-risk merchants and high-risk specific gateways (e. Helcim: Best for interchange-plus pricing. See more about High Risk Merchant processing With approval turnaround time. Reply. Our gateway partners like NMI and Authorize.