Merchant Processing for High Volume

Moneybox can help secure a high-volume merchant account for your business when many other processors are unwilling to cooperate.

Get a rate quote
high volume

Partner with a merchant company you can trust!
CONTACT US & SAVE

Your Premier High Volume Payment Gateway

For businesses that engage in thousands of monthly transactions and handle significant high-value sales, having a high volume payment gateway is essential. As your business expands and scales, the capacity to process these transactions efficiently becomes critical. Unfortunately, standard payment processors might deem your high volume activities as too risky to warrant a merchant account.

Securing a high volume merchant account mitigates these risks, ensuring you can handle an unlimited number of transactions as your business demands. Partnering with us, one of the leading high-volume payment processors, ensures your operations run seamlessly, supported by the infrastructure to manage your substantial transaction volume.

Reasons High Volume Businesses Are Classified as High Risk

High volume businesses, those that process sales in the thousands, are often categorized as high risk by conventional payment processors. Here’s why traditional services like PayPal, Stripe, or Square might hesitate to approve a high risk or high volume business:

Increased Fraudulent Activity: As businesses grow, so does the exposure to fraudulent activities. Payment processors become wary of the increased risk of fraud, which can result in hesitance to provide merchant accounts to businesses that might attract such fraudulent claims.

Volume of Transactions: A business with a large transaction volume requires a payment processor that can manage and process these transactions efficiently. Standard processors, designed for lower transaction volumes, might not be equipped to handle the influx without issues.

Elevated Chargeback Risks: With a substantial number of daily transactions, the likelihood of chargebacks increases. This higher potential for chargebacks can deter standard payment processors, as they are typically more risk-averse. A high risk merchant account can address these concerns, offering stability and protection against account termination.

The Perils of Using Standard Payment Processors for High Volume Transactions

Opting for a standard payment processor or a service meant for low volume transactions like PayPal or Stripe can expose your business to several risks:

Inadequate Capacity: These processors are not set up to handle a high volume of transactions, leading to potential inefficiencies or system overloads as your business grows.

Account Vulnerabilities: As your business expands and generates more revenue, using a standard merchant account can put you at risk. Your account could be suddenly frozen, flagged, investigated, or even terminated without prior notice. This is because standard payment processors often reserve the right to take such actions without warning, which can disrupt your business operations significantly. If your account faces any of these issues, you’ll be unable to process payments, effectively halting your business activities.

Benefits of Utilizing a High Volume Payment Gateway

Partnering with top-tier, high-volume payment processors to secure a merchant account can significantly safeguard your business operations. Consider these key benefits when selecting the appropriate high risk merchant account:

Prevent Business Interruptions: A high volume merchant account ensures that your business can operate without the threat of sudden account suspension or closure, which can occur with standard payment processors. This continuity is crucial for maintaining your business’s momentum.

Extensive Support: Aligning with the largest payment processors means you’re not just getting a service; you’re gaining a partner. High risk payment processors tend to offer more robust support, understanding and catering to the needs of high volume transaction businesses better than standard services.

Risk Mitigation: With a high-risk merchant account, you significantly reduce the risk of your account being unexpectedly disabled or terminated. High-risk processors are committed to working with you to keep your business running smoothly, offering peace of mind as you process transactions knowing your account is designed to handle your volume and nature of business.

Frequently Asked Questions

Moneybox Merchant Services supports the following payment gateways Authorize.net, NMI , TSYS, and Firstpay.

What industries does Moneybox Merchant Services accept as clients? Moneybox specializes in mid-risk as well as specific high-risk industries (the terms “mid-risk” and “high risk” are used here from the perspective of the merchant services industry). We are proud to serve the following industries:

  • Accounting & Tax Prep
  • Adult
  • Airlines
  • Alcohol
  • Antiques & Collectibles
  • Apparel & Clothing
  • Automotive
  • B2B
  • Bad Credit
  • Bail Bonds
  • Bar & Restaurant
  • Cigars & Tobacco
  • Cleaning Service
  • Clothing & Apparel
  • Collectibles
  • Continuity / Subscription Products
  • Continuity-Subscription
  • Credit Monitoring
  • Debt Consolidation
  • Dental
  • Digital Downloads
  • Digital Streaming
  • Document Preparation
  • Drop Shipping
  • Ecommerce
  • Educational Seminars
  • Electronics
  • Events
  • Furniture & Home Furnishings
  • Guns & Firearms
  • Gyms, Fitness & Yoga
  • Hair & Beauty Salon
  • Health & Fitness
  • Healthcare
  • High Volume
  • Hotel & Hospitality
  • Hotels & Lodging
  • Hunting & Outdoor Equipment
  • Insurance
  • Insurance / Warranty
  • Jet Charter
  • Law Firms
  • Legal Services
  • Magazine Subscriptions
  • Medical Billing & Coding
  • Medical Supplies
  • Membership & Recurring Billing
  • MLM Companies
  • Moving Companies
  • Nonprofit
  • Nutraceuticals & Supplements
  • Online Dating
  • Pawnbrokers & Pawn Shops
  • Pet Products
  • Precious Metals
  • Property Management
  • Real Estate
  • SaaS Companies
  • Self Defense, Tasers & Stun Guns
  • Seminars & Coaching
  • SEO & SEM Services
  • Smoking Accessories
  • Survivalist & Tactical Gear
  • Taxes and Accounting
  • Tech Support
  • Telemedicine
  • Ticket Agencies
  • Tobacco & Cigar
  • Transportation & Moving
  • Travel & Timeshare
  • Travel Agency*
  • Utility
  • Vape / e-Cig / eJuice*
  • Veterinarians
  • Web Design Services

Please note, this is NOT a complete list; Moneybox Merchant Services Inc. serves hundreds of additional mid and low risk industries, too. We do not have a full list of industries we can work with, instead we keep a list of business that we currently can not support. See our FAQ page for more info. If the opportunity is right we will of course try to be considerate.

Sorry, we are unable to provide merchant services for foreign or offshore businesses, or any company that is headquartered, or operates, outside of the USA. We are also unable to provide merchant services for any business whose owner does not have a valid SSN and US issued identification (driver’s license, US passport, etc). That said we are working to fix this issue and should have a solution early 2025.

Yes, your startup or new business can be approved by Moneybox Merchant Services for a merchant account. We love startups! While newer businesses without processing history sometimes encounter hurdles when it comes to approval, Moneybox has helped many brand new businesses get their start in payment processing.

A high-risk merchant account is designed for businesses deemed as “high-risk.” These types of businesses have a greater likelihood of chargebacks, fraud, or other financial risk factors. High-risk businesses require such accounts to be able to accept credit and debit card payments.

Various industries are considered high-risk because of their inherent attributes. Some examples include CBD (Cannabidiol) products, e-cigarettes, vape products, stun guns, credit repair services, multi-level marketing, adult products/services, pawnshops, dietary supplements, SEO services, and tech support.

No central authority determines a business’s high-risk categorization. Every payment processor or bank sets its own standards, often based on internal risk management criteria. Providers assess businesses based on several detailed information bits to ascertain risk levels.

Factors contributing to a high-risk business include being a new business, having poor credit records or low credit scores, operating in controversial or highly regulated industries, relying heavily on international sales, and previous placements on the MATCH list by payment processors.

High-risk merchant accounts differ from regular accounts in several ways such as having a longer application process, higher payment processing fees, cash reserve requirements, volume caps in credit card processing, higher chargeback fees, and additional requirements based on the business type.

A high-risk business should ensure it maintains healthy cash levels, tries to reduce chargebacks, discloses all relevant information during the application process, keeps its financial documents ready, and adheres to the guidelines set by its payment processor.

A high-risk business can find a suitable merchant services provider by researching and listing down payment processors that cater to their industry. Businesses should consider factors like the processors’ experience in their industry, processing fees, equipment provided, customer support, experience with businesses in the same industry, and support for diverse payment methods.

Moneybox Merchant Services Inc. may not cater to all high-risk businesses (e.g. CBD merchants). It offers an upfront underwriting process that identifies risk factors early, saving the merchant time and potential costs. However, if Moneybox cannot service a particular business, they may recommend a processor better suited to your needs.

Start A Complimentary Rate Analysis

Discover hidden savings in your merchant account

Blank Form (#4)

What you’ll get:

No Cost

Confidential

Upload a recent merchant statement

We will identify where the WASTED SPEND hides within your EXISTING merchant account.

We will present an overview of account and fee health and discuss whether significant savings can be achieved.

You are not obligated to purchase anything.

You do not pay us ANYTHING unless you elect to have Verisave implement cost reductions on your behalf.