High Risk Merchants

High Risk Merchant Accounts

Many businesses require the ability to accept payments from customers through non-cash methods, such as credit cards, ACH, and eCheck, to sell their products or services. To do this, they need a merchant account. However, certain financial institutions and credit card processors consider some businesses and industries to be “high risk,” and they are unwilling to provide them with merchant services.

At Moneybox, we believe that merchants considered high-risk deserve the same support as any other merchant.

What Makes a Business High Risk?

There are numerous reasons a business may be considered high risk, including its industry, transaction sizes, fulfillment timeframes, and accepted payment methods. Many contributing factors are so common that you may not even realize your business is considered high risk until you attempt to obtain a merchant account from a traditional banking institution.

That said, the term “high risk” may have a negative connotation, but there’s nothing innately negative about many of the factors contributing to a business’s high-risk categorization. Simply put, tier-one banking institutions still rely on credit policies antiquated by modern methods of doing business, thus favoring old-fashioned business models. Additionally, many of the industries considered high-risk are less taboo due to recent cultural shifts and changes to the legal system, but tier-one banking institutions still view these in-demand industries as unacceptable.

Accept in-store payments

Integrated technology

Affordable POS

Low processing fees

Next day funding

Fraud and chargeback protection

Accept Payments Anywhere

PCI Compliant

PCI DSS (Payment Card Industry Data Security Standard) is required for all merchants accepting credit card payments regardless of which merchant processor you use. Moneybox provides you with several PCI tools to audit your site and attest that your customer’s secure transactions will be performed.

Fraud Protection

Effortlessly defend your business with cutting-edge fraud protection. Our fraud detection customization includes CVV requirements, IP settings, specified ticket parameters, and limited access to certain geographical regions.

Next Day Funding

Receive credit card transaction deposits next day, instead of having to wait days.

Some of the High-Risk Industries We Work With

Businesses categorized as high-risk may be eligible to acquire a high-risk merchant account, but the rates charged for such accounts are usually exorbitant and the customer service provided is typically subpar. At our company, we believe that a high-risk merchant should not be treated as a second-class client, and we strive to provide top-notch service to such clients. We offer assistance to a variety of high-risk merchants, including:

Auto Parts & Accessories

Coaching/Mentoring Services

Firearms and Weapons

Travel Agencies

Match Making services

Theater/Ticket Agencies


Employment Agencies

And Much More

Types of Accounts


A retail merchant account enables businesses to accept in-person debit and credit transactions using traditional card readers.


A mobile merchant account lets you accept in-person payments with an attachment on your mobile device. Ideal for merchants who sell outside of a storefront, it doesn’t require a wired internet connection. Rates for fraud and chargebacks are low, so pricing is similar to retail.


Our eCommerce merchant accounts are specially designed for high-risk businesses and are compatible with most popular shopping cart and payment gateway platforms. Setting up the account on your website is a breeze. As eCommerce sales are at a higher risk of fraud and chargebacks, Moneybox provides advanced fraud protection technology integrated with our merchant accounts.

Virtual Terminal

A virtual terminal enables merchants to accept payments via phone, mail order, or website without any extra equipment.

Easy Application

Our application process has been designed to be quick and easy. We understand that time is valuable, which is why we only require a few pieces of company information. With our streamlined approach, you can be up and running in no time.

Low Credit Card Rates

We are committed to transparency and offer the lowest fees. At our company, we take great pride in upholding transparency as a core value. We believe that our customers deserve to know exactly what they are paying for, which is why we always provide a detailed breakdown of our fees. Additionally, we have worked hard to ensure that our fees are among the lowest in the industry so that our customers can save money and feel good about the value they are receiving. Whether you are a new or existing customer, you can trust us to provide fair and transparent pricing.

Effortless Integration

The process of getting your terminals and hardware up and running with your current CRM, accounting, and inventory software is quite straightforward. First, we will help you ensure that all of your hardware is compatible with your software systems. Then, you’ll need to install any necessary drivers or software updates to ensure that your hardware and software are communicating properly. Once your hardware and software are properly configured, you’ll be able to start using your CRM, accounting, and inventory software with ease.

Ready to Get Started?

Accept in-person payments via terminal, POS, or mobile with Moneybox.