High Risk Merchant Account Services
In today’s fast-paced eCommerce and retail world, many businesses struggle to get approved for a reliable merchant account. If you operate in a high-risk industry, payment processors often decline or overcharge you due to increased chargeback risks, regulatory requirements, or perceived industry instability. That’s where we come in.
At 100Services, we specialize in helping you find the most suitable high-risk merchant account provider for your business — completely free. Our team connects you with the processors most likely to approve your account, ensuring you get competitive rates, fast onboarding, and secure payment solutions tailored to your needs.
Why Do You Need a High-Risk Merchant Account?
Not all businesses are treated equally in the eyes of banks and payment processors. Industries labeled as “high-risk” face higher declines, rolling reserves, and increased scrutiny. This can leave merchants frustrated and unable to accept credit card payments — hurting revenue and growth.
A specialized high-risk payment processor understands the complexities of your industry and offers solutions that keep your transactions flowing safely and reliably.
Industries That Require High-Risk Payment Solutions
Here are the most common industries considered high-risk that need specialized merchant processing:
✅ Vape & E-cigarette Sales
✅ CBD, Hemp & Cannabis Products
✅ Adult Entertainment & Toys
✅ Online Gambling, Gaming, and Casinos
✅ Nutraceuticals & Supplements
✅ Credit Repair & Financial Consulting
✅ Forex, Binary Options & Crypto Trading
✅ Subscription Boxes with Free Trials
✅ Telemarketing & Inbound Call Centers
✅ Multi-Level Marketing (MLM) & Direct Sales
✅ Dating & Matchmaking Services
✅ Travel Agencies & Tour Operators
✅ Timeshare Resales & Marketing
✅ Debt Collection & Recovery Services
✅ Replica, Luxury Goods & Collectibles
✅ Technical Support Services
✅ Psychic & Tarot Readings
✅ Firearms & Ammunition Sales
✅ Ticket Brokers & Event Promoters
✅ Online Auctions & Marketplaces
✅ Membership Sites with Recurring Payments
✅ eBooks & Digital Downloads
✅ Import/Export Businesses
If your business falls into any of these categories, you’re in the right place.
How We Help You Find the Best High-Risk Merchant
Our service is simple and effective:
✅ Step 1: You tell us about your business, products, and transaction history.
✅ Step 2: We analyze your needs and match you with the most suitable high-risk payment processor.
✅ Step 3: We help you complete the application process quickly and correctly, increasing your chances of approval.
✅ Step 4: You start accepting credit card payments confidently — no more payment processing headaches.
High-Risk Merchant Services for Non-U.S. Businesses
Unfortunately, we are unable to provide high-risk merchant account solutions to businesses based outside of the United States. To qualify for our services, your company must be headquartered and operating within the U.S. Additionally, business owners must have a valid Social Security Number (SSN) and a government-issued U.S. identification document, such as a driver’s license or passport. We are unable to assist foreign or offshore merchants who do not meet these requirements.
High-Risk Merchant Accounts for Newly Launched Startups
If your business is brand new and you don’t have existing processing history, don’t worry — you can still get approved for a high-risk merchant account through our network. We love helping startups! We know how challenging it can be to secure payment processing when you’re just starting out. Our partners specialize in working with new businesses by offering customized solutions to help you begin accepting credit card payments quickly and confidently.
What Sets Us Apart?
Most consultants and agencies charge thousands to connect you with a high-risk payment processor. We offer our service completely free of charge.
Why Do We Offer This Service for Free?
It’s natural to wonder why we’d help you for free. The answer is simple: we receive a referral agent benefit (a commission paid by the processor when you open an account). This allows us to provide our service at zero cost to you, while giving you access to payment partners who are experienced in high-risk industries.
This means you get expert assistance, insider connections, and tailored recommendations — without paying a cent for our help.
What Makes a Processor High-Risk Friendly?
A payment processor specializing in high-risk industries provides:
✅ Higher Approval Rates: They understand your industry, reducing declines.
✅ Flexible Underwriting: Instead of a blanket “no,” they evaluate your business model carefully.
✅ Custom Pricing: Acceptable rates even for riskier industries, avoiding sky-high fees.
✅ Chargeback Protection Tools: Advanced fraud filters and alerts.
✅ Rolling Reserve Management: Reasonable holdback percentages, not excessive reserves.
✅ Multi-Currency Options: Essential for international high-risk merchants.
✅ Reliable Integrations: Plugins for Shopify, WooCommerce, Magento, and more.
Key Features to Look For in a High-Risk Merchant Account
Our recommended processors typically offer:
🔹 Dedicated Account Managers – Experts who know how to get high-risk accounts approved.
🔹 Recurring Billing Support – Ideal for subscription businesses or memberships.
🔹 PCI DSS Compliance – Secure payment gateway and data protection.
🔹 Quick Settlements – Funds deposited faster to keep your cash flow healthy.
🔹 Advanced Reporting – Detailed analytics and easy chargeback management.
Why Approval is Tough for High-Risk Businesses
Processors consider factors like:
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High chargeback rates or refund frequency
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Industry reputation for disputes or fraud
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Regulatory compliance complexity (e.g., CBD, firearms)
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Subscription models with free trials prone to disputes
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International sales increasing fraud risk
This makes high-risk merchant processing a specialized field that requires deep industry knowledge — which is exactly what we offer.
Benefits of Our Free Matching Service
✅ Fast Approvals: We work with providers experienced in your industry, avoiding unnecessary denials.
✅ Better Rates: Processors compete for your business, helping you secure more favorable pricing.
✅ Time Savings: We navigate the paperwork and requirements so you don’t have to.
✅ No Upfront Costs: Our service is 100% free for you — our compensation comes from partner processors.
✅ Peace of Mind: Avoid predatory processors with unfair contracts or hidden fees.
How to Get Started Today
Ready to find the best high-risk merchant account for your business?
📞 Contact us now for a free consultation. Our team will discuss your business needs, explain what documents you’ll need, and start the matching process immediately.
📧 Or email us at contact@100services.com — we’ll reply with personalized options.
Don’t let payment processing stand in the way of your business success. Get approved, start accepting payments, and grow your high-risk business today with our free service!
Frequently Asked Questions
A high-risk merchant account is a payment processing solution designed for businesses in industries with higher chargeback rates, regulatory requirements, or other risk factors. These accounts allow you to accept credit card payments even if your business is labeled “high-risk.”
Businesses are classified as high-risk if they operate in industries prone to chargebacks, fraud, or regulatory scrutiny — such as CBD, vaping, adult entertainment, gambling, or subscription services. New startups and businesses with bad credit may also be considered high-risk.
We work with a network of specialized high-risk payment processors and match your business with the provider most likely to approve your account, offering competitive rates and features that fit your industry.
No, our service is completely free for you. We’re compensated through a referral agent commission paid by the processor when your account is approved, so you get expert help at no cost.
Most approvals take 3–7 business days, depending on your industry and how quickly you submit required documents. We help you complete your application correctly to avoid delays.
Yes! Even if you have no processing history, we work with partners experienced in approving new businesses for high-risk merchant accounts so you can start accepting payments right away.
No. To qualify, your business must be headquartered and operating in the U.S., and you must have a valid SSN and U.S. government-issued ID.
You’ll typically need a valid ID, voided business check or bank letter, business license (if required), and recent processing statements (if available). Startups may need only ID and bank details.
We assist vaping, CBD, adult, gambling, dating, supplements, travel, timeshares, debt collection, telemarketing, nutraceuticals, credit repair, online gaming, firearms, and more.
Look for high approval rates, reasonable fees, chargeback protection tools, flexible underwriting, multi-currency support, recurring billing options, and secure payment gateways.
