High-Risk Merchant Account



The uncertainty surrounding some industries often leads to instant disqualification when it comes to receiving merchant services. Maintaining a successful and respected business in any industry is cumbersome enough – there is no need to add the extra pressure of locating a payment provider when your business happens to fall into a high-risk group.  

High-risk merchant accounts are typically not supported by traditional banks. As frustrating as this can be – especially if your business is compliant and has a stellar reputation – there are a few common characteristics that define a high-risk venture:

  • Servicing customers prone to fraud or returns
  • A negative perception of the industry as a whole
  • Relatively high chargeback rate (over 1%)
  • High traffic with large ticket sales
  • Start-up organization
  • Heavily regulated industry

At Payment Savvy, we are high-risk processing experts and have tailored our products and services to cater directly to these businesses. Our combined 30 years of experience allows us to confidently offer a distinguished service, with both integrity and great value. We offer a custom and modern payment processing solution; whether needing a credit card, debit card, or ACH payment portal, we have a proven, compliant and secure merchant service to meet your organizational needs.   



As a high-risk merchant, when you partner with Payment Savvy your business is gaining a high-risk processing expert. We understand the perils involved with risky trades. We also are aware of the complications your company faces by not being able to accept electronic payments and recognize the struggles of not being able to find a reputable merchant service provider.

While many payment processors take advantage of your situation and know your options are limited when it comes to obtaining a merchant account, Payment Savvy avoids swindling tactics and unreasonably hiked up rates. We believe in your potential to succeed and are proud to offer fully integrated and custom-tailored payment solutions for your high-risk business.

Payment Savvy is uniquely positioned to provide a wide range of services that allow your high-risk business to run efficiently:

  • Speedy and efficient credit card, debit card and ACH payment processing
  • Knowledgeable support team available to address your concerns 24/7/365 via phone or email
  • Proven track record of approving hard-to-place businesses
  • No contract terms or cancellation fees
  • Secure and compliant payment gateways



No matter your industry, chances are we have worked within your business scope.  Organizations trust Payment Savvy with their high-risk payment processing; they know we provide state-of-the-art technology with tremendous value. Here is a sample of high-risk industries we commonly place for merchant services:

  • Amusement and Recreation Services
  • Auto Transport
  • Bail Bondsman
  • Car and Truck Rentals
  • Check Cashing Services
  • Collection Agencies
  • Consumer Finance
  • Credit Repair
  • Debt Consolidation
  • Detective and PI Agencies
  • Document Preparation
  • eCommerce
  • Firearms
  • Inbound/Outbound Telemarketing
  • Infomercials
  • Insurance Products
  • Investment Opportunities
  • Installment Loans
  • Mortgage Services
  • Multilevel Marketing
  • Nutraceutical
  • Pawn Shops
  • Travel Agencies
  • Wholesale Clubs



Your success is our success. We are here to help you collect credit card, debit card, and ACH electronic payments from your customers in a timely and efficient manner. Experience the Payment Savvy difference first hand. Whether needing a standard merchant account or interested in a fully integrated and customized business solution, our pioneering payment products and services will help your high-risk company reach the next level of success. Contact us today to create your business’ perfect payment solution.