Home;. SMB Global, based in West Jordan, Utah, is a high risk merchant accounts provider specializing in supporting ultra-high risk businesses such as adult, gambling, offshore businesses, debt collection, and CBD. Credit Card Processing Services. Host Merchant Services may help your business grow as a merchant account provider. Signature Payments has been providing high-risk merchant accounts to businesses for over 25 years. Offering secure payments at your dispensary is essential. 75% per transaction). 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. 75% plus 30 ¢ents per. Since chargebacks and fraud account for more than $17 billion in losses for merchants each year, naturally, merchant account providers are exposed to this risk too. 5% + $0. Businesses should expect to pay 2% over the cost of traditional merchant accounts, while also anticipating 18-month contracts. 1. Assuming the authorization is passed,. The PayKings team has high risk merchant accounts for businesses with high risk payment processing volumes of $20,000-$100,000,000+ per month. We are one of the best high risk merchant service providers in U. For small-business owners in search of a payment processor that offers high-risk merchant accounts, NerdWallet has compiled a list of the best payment. ¹ PayPal’s. With an emphasis on personal attention and customized solutions for “bricks-and-clicks” companies (i. 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. Top 6 High-Risk Merchant Account USA Industries Who are High-Risk Merchants? High-Risk Account USA vs Regular Merchant Accounts What Makes a. No matter you’re a new business or the owner of top adult websites, you can get a secure and low-cost adult merchant account if you turn to EMB. For more information, please contact us at 800. it. What is a High Risk Merchant 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. Proven Peptides, and 4. Thankfully, various high risk merchant account providers in usa specialize in serving companies outside the traditional lending criteria. Airlines or airplane charters. Friendly Client Support. A 2016 consumer survey showed that 40% of the 1,000 respondents approve of credit cards as the safest payment method. Fraud occurs when someone makes a. Best High-Risk Merchant Account Service Providers; Best Retail POS Systems; Best Cash Register For Small Business;Merchant reserves are meant to protect high risk merchant account providers from footing any surprise bills that the company incurs. They typically offer online and in-person processing services. That being said, any business falling under the high-risk category should look for a high-risk merchant account provider right away. Home; Related News & Articles; Services. Fast approval in 24-48 hours. Stax: Best for Larger Businesses 2. 30% + 10¢ per online and in-person transaction versus Clover’s 2. We approve bad credit merchant accounts within 24-48 hours and quick setup once approved. Best high risk merchant accounts at a glance. 0% + $0. 3 percent THC. net costs: $10/month plus 0. We can set up your merchant account quickly and help you to start taking card payments without any hassle. A high risk merchant account is a specialized payment processing account designed for businesses that operate in industries with a higher risk of chargebacks or fraud than traditional businesses. These businesses often operate in industries associated with high chargeback rates, potential fraud, and legal or regulatory issues. In 2021, consumers paid for 70 percent of their purchases with a credit or debit card. Since we process hundreds of millions in high risk volume every month, we have the experience to support high risk businesses nationwide. 3. A good high risk merchant account provider should have relationships with multiple banks and know which banks fulfill your business needs best. 10 per transaction. Read Review; ProMerchant. The Leading High-Risk / eCommerce Payment Provider. Contract Many payment processors offer month-to-month contracts with no termination fees. The PayKings team has high risk merchant accounts for businesses with high risk payment processing volumes of $20,000-$100,000,000+ per month. 1. 35 per transaction. The company’s products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and. Robust Offshore Payment Processing Solutions. High Risk Merchant Accounts are accounts that are set up by specialist financial institutions to provide credit card processing services to those business types that fall under certain high risk business categories. Best Services. The top processors are determined based on competitive rates, etc. Helcim : Best for invoicing Paysafe : Best for businesses in high-risk industries PayPal : Best for digital payments Merchant One : Best for companie with less. , with eMerchant Authority. 5% + $0. 9% this year. In other cases, Shopify has revoked payment services because the business was deemed “high-risk. Moonlight Payments excels as a merchant account provider — especially businesses with high-volume transaction needs. io as our favorite online credit card processor for cannabis and CBD vendors due to its willingness to work with these merchants when many providers will not. A high risk merchant account is a payment processing account for high risk categorized businesses by the acquiring banks and the credit card companies. 75% per transaction). Our commitment to beating competitor rates, dedicated customer service, and thorough rate review. Like most high-risk merchant account providers, PaymentCloud is not a direct processor. Therefore, traditional payment processors classify these businesses as high risk based on criteria such as transaction size, industry, sales model. Adult entertainment merchants are considered high risk by most banks. High-risk businesses are typically those that are new, have a history of credit problems, or operate in an industry that is considered controversial or. For example, ecommerce brands can expect to pay 4% per transaction while dating sites are looking at 6% and IT support 10%. Chase Payment Solutions SM – Best for all-in-one direct processing. Specialized Risk Management Tools. View Website. Guide You. But the reality is that these are the industries that make the most of the profits that run the economies of countries. There have been various types of advantages that companies render once they are termed as high-risk businesses. A merchant account for bad credit can, therefore, be opened for low and. 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. The best high-risk eCommerce merchant account providers know how important it is to safeguard customer information and protect your business from criminals. Whether you are. We have a new relationship with one of the leading high risk payment gateways, PaymentSphere. A lot of merchant account providers won’t do business with heavily regulated industries, like tobacco, because they’re considered “high risk. You may be considered high-risk due to your processing history, which includes chargebacks. To prepare for the process, ensure that your credit score is as high as possible and pay off any outstanding debts. Then, EMB provides merchant account services tailored to these specific business needs. Flagship Merchant Services: Best. WooCommerce offers an online application, which greatly simplifies the process. Our full suite of electronic payment processing solutions ensures we can help virtually any merchant accept credit cards and checks electronically. The company’s products and services include online marketing tools, an online payment gateway and virtual terminal, gift and loyalty. Inquiries after business hours will be addressed the next business day. A quality merchant account provider will work with high-risk merchants to manage liabilities and process payments without penalties. Most merchant account providers also offer payment processing. With their advanced technology and expertise, businesses in high-risk industries can easily manage their transactions while reducing financial risks. They are: In our expert evaluation, we found that the seven best international merchant accounts for 2023 are: Stripe: Best overall international merchant account for small businesses. Call Us Today (818)-825-7938 info@premieronepayments. In the mid-1980s, there were 135 ATM and 35 debit regional bank-owned networks. ” Shopify Holds Funds: Merchants frequently complain about their funds being withheld in reserve, but this is standard practice if an account has an elevated. Authorize. A high volume merchant account is a merchant account specifically tailored to meet the needs of businesses that experience significant credit card transaction volumes that exceed most provider’s. By providing customers with the convenience of paying online, businesses can increase sales and revenue. not merely screenshots. If you’ve also faced challenges setting up Nutraceutical -friendly credit card processing for your business, we. These companies have established themselves as trusted suppliers of high-quality peptides and offer multiple payment methods, including credit cards and cryptocurrencies. If this is the case for your business, don’t be offended, it’s (probably) nothing personal. Do you need a high-risk merchant account but can’t seem to get approved? Don’t worry – QuadraPay is here to help. The following high risk business includes adult industry, bankruptcy, poor and bad credit, sports betting, gambling and casino industry, travel agencies, imitation of leading products, tobacco, night clubs, bars, offshore account providers, credit card companies, supplement and online pharmacies. Hardware: Third-party hardware sold through Payline; quote-based. Boasting 92% Excellent ratings over 64 reviews on Trustpilot, ProMerchant is one of the best-rated merchant services that supports brick-and-mortar retail stores, eCommerce businesses, restaurants, as well as numerous high-risk industries. With regulations on payment processing getting more strict, you will need a solution you can rely on. When you call or email, you’ll always speak with our friendly, in-house client support team. All you need is a dedicated bank account to process payments. net offers credit card payment services for more than 430,000 merchants, including merchants that could be categorized as high-risk. When you’re taking high value, high-risk payments every day, you need to make sure your payment provider can keep up. Payment Depot Merchant Services. This solution is ideal for industries such as peptides, adult/emotional content, online gambling, pharmaceuticals, kratom and many others. PCI/DSS is a high standard data encryption security that will allow you to transfer your money safely from one financial institution to other financial institution. Bank Account opening in 109 countries including, offshore and USA. A high-risk merchant account is a subset of services that allow businesses in high-risk verticals to accept card payments from customers. Shark Processing is a high-risk payment provider servicing merchants in the United States and internationally. It doesn't have to be. High Risk & Bad Credit. View our rankings of the best high risk merchant account providers for nutraceuticals. We work with both domestic US and international high-risk processing. Based on our evaluation, the best high-risk merchant account providers are: Best overall (and most versatile): PaymentCloud. We accept all types of companies including: Travel, Credit. There are some risk factors that providers use to determine whether you fall into the high risk. We understand the unique challenges of your business and can provide you with the right merchant account that will meet all your needs. TheEcheck provides the best payment processing solutions specially designed to deal with high risk merchant account. Merchant account providers can add their own characteristics to the list, but here are a few that will characterize your business as high-risk: $20,000 or more in monthly sales Credit card. 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. 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. Headquartered in Durango, Colorado, Durango Merchant Services is a merchant account provider specializing in traditional and high risk merchant accounts for domestic and international businesses. When you consider how e. Merchant account providers are the most traditional type of merchant service provider. NMI provides payment gateways—including high-risk payment gateways —used by more than 250,000 merchants worldwide. Posted in high risk. PaymentCloud. With over 20 international and. However, high-risk payment processing is what PaymentCloud is best known for. While the industry has operated without many regulations, the Federal Government has threatened to clamp down with online payments. Why Choose Us? We have the largest network of high risk banks in the industry, and growing! Our team has spent more than 20 years in the high-risk space formulating and strengthening our network of domestic and international banking partners to be able to provide diversified solutions suitable for nearly every type of high-risk merchant account. These are some of the high risk business that is. ProMerchant’s rates are 0. We chose Treati. 5% minus the interchange rate. com, high -risk traders accounts are needed by a business or high -risk website to refuse to pay. Increase your revenue and never lose out on a sale again. The 7 Best High-Risk Merchant Account Providers 1. 3%, including interchange fees. Clover: Best for POS. The Best Payment Gateways of 2023. Fastest application process: Soar Payments. Where one provider may consider you high risk, others may not. Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving high-risk business types. If you’re looking for the most affordable option, PayPal is a great choice. The first step in applying for a merchant account with bad credit is to research providers that work with high-risk businesses. PayOp is a payment aggregator for various business types. Our selection criteria evaluate cost, transparency, contract requirements, and features. 0. From credit card processing to bitcoin, and digital banks to finance software… we cover it all! Soar Payments is the leader for high risk credit card processing, offering Industry Minimum Pricing and USA-based. Stax: Best for avoiding transaction fees. +208-806-2953Fortunately Merchant Account Providers specialize in providing electronic payment options to any type of business across the board. Thales Group United States Division 4 Reviews Write A Review Olivier Piou 33 1 57 77 80 00 Visit Website 2002 $1+ billion 25,000+ 5,000+ 93 MMake sure that the merchant account provider can cater to your business as it grows. February 19, 2023. The Best Merchant Account Services. PaymentCloud does offer traditional merchant services in addition to high-risk account services. Internet Merchant Account. The company’s products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and. Open high risk merchant account today. that the merchant may not fulfill their responsibility to pay for the charge-backs, then it may be considered high risk. Seasoned high-risk credit card processing specialists tend to have well over 20 years of experience in the merchant acquisition industry. 3) Main Steps for Approval. Contract Many payment processors offer month-to-month contracts with no termination fees. 24/7 customer support. Signature Payments is the #1 payments company in the industry of high risk vape and E-Cig merchant accounts. Average Approval Time: 3 days. Skip to content (866) 582-3062; info@elmoremerchantservices. Payment Depot: Best for High-Volume Businesses 3. Tags: Articles Credit and Debit Card Payments EMB solutions high risk merchant account offshore merchant account Offshore Payment Processing Processing. The provider needs to be sure that products or services are delivered by the merchant to all clients in a timely manner so that all parties are satisfied. View our rankings of the best high risk merchant account providers for cannabis. View our rankings of the best high risk merchant account providers for bad credit. Accessed on February 21, 2023. If you’re interested in high risk payment processing, consider turning to EMB, the #1 high risk processor in the US. 99% approval rate. Chat with us , powered by LiveChat Make sure that the merchant account provider can cater to your business as it grows. Voted the #1 high risk processor in the United States, EMB talks to each business to get to know its wants and needs. Businesses looking for instant approval in the high-risk space can apply through Signature Payments and receive competitive rates on their merchant accounts and payment gateways. This could either be in the form of transaction volume or add-ons. How to apply for a high-risk merchant account. Monthly fees. This article explores the ins and outs of high risk merchant accounts in the USA, shedding light on how they function, why they are necessary, and how to choose the right one for your business. We have a broad nationwide network which runs via our processing banks to merchant accounts. As long as you only sell legal products and services, Corepay can probably accommodate your business. Like most high-risk merchant account providers, PaymentCloud does not disclose pricing information online. If you have no merchant account, there is no way to be paid for your digital transactions. Shopify: Best for. As a business owner in the US, it is important to understand what options are available to you when it comes to finding a merchant account provider. With the growing rate at which cyber crimes occur, locating a high-risk account provider that processes all transactions safely is vital. Merchant services should support your business, not drain it with excessive fees. Top 15 Industries where the Best High Risk Merchant Account provider can provide reliable and affordable payment processing services. The Payments Experts Podcast. 5) How High Risk Merchant Accounts are Managed. High Risk Merchant Account LLC specializes in high risk merchant accounts and can likely help. Rating: Excellent. For a US merchant account, the merchant typically must have the following: 1) US Bank Account. NMI Reports Breakout First Half of 2021, Primed for Continued Success. For example, a provider may have no problem with Adult, but not accept any other high risk. Offers debit & cryptocurrency payments. Low credit scores and no credit accepted. Although some payment servicers are hesitant to work with adult businesses, several providers specialize in high-risk merchant accounts. We’ve recently added five new high-risk merchant account providers to our network,. First, when you select a small business merchant account with multi-payment options, you’re sure to cut down on costs. 5. Our podcast explores the fast-changing world of payments and fintech through interviews with thought leaders around the world. If you want to work with a full-service merchant processor that offers you transparent fees and everything you need to conduct business, you might consider this Houston-based merchant processor. Please give me a call if we can be of further assistance @ 1-877 493-4622. Authorize. 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. Nov 3, 2023 | Payments. Gspay. High Risk Pay is one of the fastest growing companies in the credit card industry since 1997. High-Risk Merchant Accounts Shark Processing is a distinguished leader in the realm of high-risk merchant accounts, serving clients since 2016. High Risk Choice Delaware, United States Write A Review Visit Website 2008 $5 million - $10 million 145 650 99 MGet started or call us today at (800) 621-4893. They provide flexible pricing options, fraud prevention tools, and excellent customer support. This is where high risk merchant account providers come into play. Credibly Image source: Credibly. A high-risk merchant account can provide the same types of services as low-risk providers. In addition to protecting your provider against chargebacks, reserve accounts protect you as well, making it much less likely that you’ll experience an account hold, freeze, or termination. Per standard industry practice, payment. Amex also has other fees such as credit card purchase fee (1%), late transaction processing fees ($35 each), declined authorization service charges ($15 each). Instead of requiring a contract, the company. Whether MX Merchant or Authorize. Get an instant online quote for high risk merchant services. In extreme high risk cases, the reserve may be required by all. Low, Medium And High-Risk Accounts. However, high-risk payment processing is what PaymentCloud is best known for. Currently, consumers’ most preferred payment methods are credit and debit cards. There are more than 325 million active PayPal users across the world. Your replica merchant account will allow you to accept card payments from Visa, MasterCard, Diners Club, and American Express. Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving standard to high-risk business types. Before selecting a high-risk merchant account provider, make sure to perform adequate research about providers who have histories. Paycron offers flexible low, medium, and high-risk payment processing solutions with no restrictions. If you are applying for a second. List Of Merchant Account Providers. The best thing to do is to find a provider that specializes in high-risk merchant accounts. PayPal – Best for a pay-as-you-go pricing structure. Among the dozens of high-risk providers on the market that accept e-cigarette/vape merchants, we selected the following companies for their honest sales practices, reasonable prices, and excellent customer support. 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. The company’s products and services include point-of-sale solutions (with specific packages. 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 For small-business owners in search of a payment processor that offers high-risk merchant accounts, NerdWallet has compiled a list of the best payment processors for high-risk. We have worked to help companies with this business model to succeed in the competitive marketplace and beyond. These fees are quite high compared to some other providers, but you can be approved for your merchant account in around 48 hours. in-person; 2. Soar Payments: Best for High-Risk eCommerce Businesses. A merchant account is a bank account for merchants that will acquire all the settled credit and debit card deposits from daily batches. Internet. You may need a rolling reserve account with a cap of up to 50% of the average monthly volume. We have spent the better part of two decades securing high risk merchant accounts for our clients. Edition: United States. You’ll pay $49 per month plus $0. Here is a detailed list of merchant. High-risk payment processors provide merchant accounts and payment processing services to merchants that operate in high-risk industries. E cigs provide many of the same effects of nicotine without creating smoke, rather emitting water vapor. A subsidiary of Visa, Authorize. At PayFasto, we’re aiming to provide truly global high-risk merchant account services, and we can assist you in obtaining a high-risk merchant accounts across Europe, the UK, North America, South America, and Asia. Guide You. A high-risk merchant is a company with which most credit card processors will not do business due to the merchant’s potential for fraud or high customer dispute volumes. Our. partnerwith a reliable merchant services provider that can offer you rates that save you and your customers money. Learn why this is and how Instabill can help. Decades Of Experience. Best for online and international sellers: Durango Merchant Services. Corepay. 2. 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. NH03801, USA; EU Registered Address: Instabill Limited, 19 Giovanni Curmi Street, Lija, Malta [email. 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. Again, adult entertainment account and payment processing rates fluctuate with season. The top processors are determined based on competitive rates, etc. Our typical turn-around time is 3-5 business days. How to open a high-risk merchant account: 8-step guide. Consider the terms when you. Approval can be obtained in four hours, and funds will be moved into your. The best virtual terminals in the UK come from Worldpay, Opayo, PayPal, SumUp, Square, PayVector, and Web-Merchant Services. High risk merchant account s allow businesses that are considered high-risk, to process payments online. Don’t choose the first high risk merchant account provider that pops up in an online search. The company specifically markets. We not. As one of the major providers of cryptocurrency payment processing, Ikajo has about 15 years of experience under its belt. High-risk merchant accounts may provide access to advanced fraud prevention and risk management tools to help mitigate potential fraudulent activities and reduce chargeback rates. For example, a provider may have no problem with Adult, but not accept any other high risk. You can even create follow-up campaigns and offer 2. With high risk merchant accounts, the bank may use risk management strategies like a rolling reserve, to protect the bank and the merchant from potential losses. High risk merchant account providers offer a lifeline to industries that face difficulties in securing payment processing solutions. This has led to more vape shops and online vape shops while increasing the need for ecommerce merchant accounts. What is a High-Risk Merchant Account. Enjoy credit card processing solutions, a secure payment gateway, credit repair, a virtual terminal, etc. This pricing is very good in the high-risk processing world. Durango Merchant Services is different. Many of its features are identical to a regular merchant account. Step 1: A customer buys a product or service either online or in-store. , payment gateways specifically for. To help you find the right solution for your needs, we’ve ranked our picks of the best merchant services for small business available today. How to Establish a Merchant Account 1. We suggest 4 popular payment providers that cover high risk merchants: 1. So, you must be extra cautious as you shop around. They also provide safe handling and storage of customer payment data. Stax: Best for Subscription Pricing. WorldPay – Best for set monthly fees and regular payouts. This agreement allows a business to accept credit cards and debit cards, along with other forms of payment. 20. Fortunately, many knowledge payment providers offer instant merchant account approval if you have all your ducks. Skip to content (866) 582-3062; info@elmoremerchantservices. g. ”Chargeback” refers to situations when credit card companies make a refund back to a customer based on request. With a solid reputation and years of experience, they offer tailored solutions for businesses in various high-risk industries. g. Our gateway partners like NMI and Authorize. What We Look For in the Best Merchant Services 1. 5% plus the interchange rate. 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. e. In fact, we specialize in secure payment processing for high-risk clients that might not qualify for merchant accounts from traditional providers. High-risk merchant accounts: Chargeback911 works with merchants with any merchant category code or MCC, including those that fall under the high-risk categories. Payment. Additionally, 5 Star Processing can assist high-volume merchants and ACH processing. We have high risk accounts for businesses that have a high-risk processing volume of $20,000 – $100,000, 000 plus per month. Doing business in countries with a high level of fraud. Finding the best ACH payment processing companies for your small business often comes down to selecting a reputable company that can provide both ACH and credit/debit card processing in a single package. How To Apply For An Adult Business Merchant Account. Get in Touch. Most high-risk processing providers don’t disclose a standard rate for their clients, as they tend to tailor the price to the particular business. Accessible: Instabill offers a direct line to your personal merchant account manager: 1-800-530-2444. Analysing price, real-time reporting, customer support, and ease of use, we researched and collated our top 7 best virtual terminals in the UK. This includes “high-risk” industries such as CBD, firearm sales, kratom, and adult entertainment. Best high risk merchant account service providers for UAE. High-risk industries fall under a broad scope including. Here are some of the attributes from both the low-risk and. For example, merchant sells nutraceuticals. 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. PayPal: Best for occasional sellers and small merchants selling on marketplaces. Join us as we delve deeper into the world of direct marketing merchant accounts. Examine your turnover. Ikajo. This system immediately alerts merchants about disputes, giving them enough time to correct any misconceptions before a chargeback occurs. Meaghan Brophy. Not all merchant services providers require a merchant account. Fast Approvals. View our rankings of the best high risk merchant account providers for adult industry. partnerwith a reliable merchant services provider that can. 4949 or get started here . Traditional merchant account providers will often end up canceling the accounts of a high-risk business or not approving them in the first place. About 35% of them chose debit cards with only 11% preferring. In our evaluation, HMS scored a respectable 3. Every provider has a different set of criteria for high-risk merchant accounts. PaymentCloud is a leader in providing high-risk merchant accounts to meet the needs of businesses across various industries. 50% + $0. Host Merchant Services (HMS) is a traditional merchant account services provider that supports low-risk and high-risk merchants as well as nonprofits. Get started today! Give us a call at 1-866-303-2558. Step 2: The customer’s card details are sent to the merchant account with details of the purchase. This is especially true when it comes to finding a payment processor for high-risk merchants. We suggest 4 popular payment providers that cover high risk merchants: 1. Dharma Merchant Services – Best B2B merchant services. Recent studies show that more than 65 payment providers offer CBD merchant accounts in the US. Instabill. 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. PaymentCloud: Best For Free Credit Card Terminal. US HQ. Once your high-risk merchant account. EMB provides multiple payment options, including credit cards, eCheck processing, and. ccNetPay – Best for a simple pricing structure and EU transactions. PayOp. Finding the right merchant account provider can be challenging, especially for high-risk merchants. With a 90%+ approval rate, we strive to approve your high-risk merchant as soon as possible. We specialize in providing merchant account and high-risk merchant accounts.