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If you’re having trouble getting approved, take a look at our top picks for high-risk merchant accounts.
The first thing to understand about high-risk businesses is that your processor will determine whether you fall into one of their high-risk categories when you apply for a merchant account.
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Although very small businesses can get by with a payment service provider (PSP) such as Pay Pal or Square, once your business reaches a certain size, you’re going to want to upgrade to a full-service merchant account.
While it would be nice if credit card processors treated all businesses equally, the fact is that they don’t.
Either you’re high-risk, or you’re not – there is no middle ground.
Beyond that, it gets complicated as every processor has their own unique guidelines for determining whether you’re in the high-risk category.
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