High-Risk Merchant Service for Telemarketing & Inbound Call Centers
Running a successful telemarketing or inbound call center operation takes more than just skilled agents and warm leads β it also demands seamless, secure, and scalable payment infrastructure. And thatβs where many businesses hit a wall.
Banks and traditional payment processors often label telemarketing and call center businesses as high-risk. The result? Rejected applications, frozen funds, sudden account shutdowns, or unsustainable processing fees β even if your company is fully legitimate and compliant.
At 100Services, we specialize in helping businesses like yours find the right high-risk merchant account provider β one who understands your model and supports your growth. And best of all? Our service is 100% free.
β οΈ Why Are Telemarketing & Call Centers Considered High-Risk?
Even reputable, transparent companies get flagged. Why? Because of the structural and operational elements unique to this industry. Here's a deeper look at why banks and processors are hesitant:
π 1. Elevated Chargeback Risk
- Phone-based sales often lead to customer miscommunication or confusion, especially if there's no written confirmation.
- Misunderstood terms, vague refund policies, or aggressive upselling can trigger disputes and chargebacks.
π 2. Card-Not-Present (CNP) Transactions
- Payments taken over the phone (Mail Order / Telephone Order β MOTO) are harder to verify and more vulnerable to fraud.
- This increases liability for banks and processors, raising the perceived risk.
π§Ύ 3. Regulatory Compliance Exposure
- Laws such as TCPA (Telephone Consumer Protection Act), GDPR (for EU contacts), and FTC telemarketing rules mean call centers must follow strict policies.
- A single misstep β even if unintentional β can lead to fines or lawsuits, scaring off general processors.
π 4. Recurring Billing Models
- Many call centers offer products on auto-renewal or monthly subscription plans, which require specialized support.
- Poorly handled recurring billing can result in a flood of chargebacks.
π 5. Industry Reputation
- The entire space is painted with a broad brush due to a history of scams, aggressive marketing, and poor customer support from a minority of bad actors.
Even if your business is legitimate, ethical, and well-run, you still may face barriers simply due to your NAICS code or the word βtelemarketingβ on your website.
π οΈ How 100Services Helps You Get Approved β Stress-Free
We work with a curated network of high-risk merchant account providers who already support telemarketing and inbound call center businesses. They understand your operations, your payment needs, and β most importantly β your challenges.
Our service includes:
β Business Analysis & Risk Profiling
We learn the ins and outs of your company β billing cycle, sales structure, product or service type, dispute history β so we can match you with the right provider.
β Processor Matching
We donβt just suggest a provider. We connect you with one who already supports your industry, reducing approval delays and minimizing back-and-forth.
β Application Support & Documentation
Our team helps prepare every required document β from refund policies to call scripts β ensuring your business appears stable and compliant.
β Approval & Onboarding
Most businesses we work with go live within 3β7 business days, depending on documentation readiness and volume.
And all of this is completely free. No service fees, no commissions, no consulting charges.
π‘ Why Is This Free?
Good question. Our business model is simple:
We are referral partners for a select group of high-risk payment processors. When we bring them a qualified business (like yours), and you're approved, they pay us a small referral fee.
That means:
- β You never pay us a dime
- β We stay unbiased (weβre only successful when you are)
- β You get top-tier guidance with zero risk
π What Types of Call Centers Do We Help?
Whether you handle inbound customer calls or outbound sales, we can assist. We specialize in merchant accounts for:
- Outbound telemarketing & sales teams
- Order-taking and inbound support centers
- Subscription-based call centers with recurring billing
- B2B lead generation and appointment setting
- Tech support and remote service desks
- Fundraising and donation call centers
- Health & wellness product sales via phone
- Utilities, telecom, or insurance sales departments
If you accept payments over the phone or via recurring billing β we can help.
π How the Process Works β Step-by-Step
1. Quick Discovery Call or Form
We learn about your business, structure, products, and sales model.
2. Risk Assessment & Matching
Our team analyzes your profile and determines which of our processing partners is best aligned with your risk level, volume, and compliance profile.
3. Warm Introduction to the Right Processor
Youβre directly connected with a payment provider whoβs already working with businesses like yours β no cold calls or dead ends.
4. Documentation Prep & Submission
We help gather:
- Business license / registration
- Refund & cancellation policies
- Call scripts and sales compliance documentation
- Marketing materials, if needed
- Processing statements (if you have them)
5. Approval & Onboarding
Youβll be guided every step of the way β from underwriting to activation β and receive live support throughout.
π³ What Features Come With Our Recommended Processors?
Expect more than just approval. Our partners offer:
- β MOTO-ready virtual terminals (phone payments)
- β PCI-DSS compliant payment gateways
- β Recurring & subscription billing tools
- β Chargeback alerts & fraud prevention
- β Transparent pricing β no hidden markups
- β CRM, call center, & VoIP software integrations
- β Multi-currency and cross-border support
- β Fast settlement cycles (as low as 24β48 hours)
Whether youβre handling 10 calls a day or 10,000, weβll ensure your payments scale with your operations.
β Risks of Choosing the Wrong Processor
Donβt risk your business by applying to the wrong provider:
- β Surprise account shutdowns after manual reviews
- β Frozen funds for 90+ days
- β 8β10% transaction fees or long rolling reserves
- β Lower approval rates due to βflaggedβ MCCs
- β Lost time, disrupted operations, and damaged reputation
Weβve helped hundreds of call center businesses recover after bad experiences with mainstream providers. With us, you can avoid that entirely.
π€ Why Telemarketing Businesses Trust 100Services
- Industry Knowledge: We know your world β and how to navigate risk and compliance.
- Smart Matching: We never waste your time with unqualified processors.
- 1-on-1 Support: From pre-approval to onboarding, we stay involved.
- Always Free: No charges, ever. We only succeed when you do.
- Built for Scale: We help you find processing that grows with your call volume.
π Ready to Start Accepting Payments Securely?
Donβt let merchant account roadblocks slow you down. Whether youβre scaling fast or starting fresh, weβll help you find a processor who gets your business β and supports it for the long haul.
π Contact us now for a free, zero-obligation match with a trusted high-risk payment provider for your telemarketing or call center business.
No fees. No delays. Just approvals.
Frequently Asked Questions
Telemarketing and inbound call centers are often flagged as high-risk due to a combination of regulatory, operational, and reputational factors. Phone-based sales are considered more vulnerable to chargebacks because of verbal agreements, card-not-present transactions, and potential misunderstandings. Additionally, some industries within telemarketing β like insurance, health products, or financial services β are under tighter regulatory scrutiny. Processors also associate the industry with past fraud cases, even if your business is fully compliant. Thatβs why most standard processors wonβt approve you β or will impose extremely high fees. Our service connects you with providers who understand and support your industry, with the best conditions available.
Our service is designed to simplify and accelerate the process of finding the right payment provider for high-risk businesses like yours. We start by learning about your business model, sales volume, and processing needs. Then we match you with vetted processors that already work with telemarketing and inbound call centers. We help you prepare your documents, guide you through the approval process, and ensure youβre set up with tools that support recurring billing, fraud protection, and more. Best of all, you donβt pay us anything β the processor pays us only if you get approved. Itβs the easiest, safest way to get started with a processor that fits your business.
There is no catch. Our business model is based on referral partnerships with trusted payment processors. When we refer a qualified client (like your business) and you get approved for a merchant account, the processor pays us a small commission. This means we can offer our full service β including business analysis, provider matching, and application support β without charging you a single cent. There are no hidden fees, upsells, or contracts from us. Our priority is to connect you with the most compatible provider, and we only succeed when you do.
The timeline varies depending on your business model and how quickly you provide the necessary documents, but most of our clients receive approval in 3 to 7 business days. We speed things up by helping you prepare your application properly and communicating directly with the processor on your behalf. This eliminates back-and-forth errors and ensures faster processing. The sooner we receive your information, the sooner you can be onboarded and start accepting payments. Our hands-on approach helps avoid delays and increases your chances of approval.
To apply for a high-risk merchant account, youβll need standard business documents such as your company registration, a valid government-issued ID, and a business bank account. You may also need to provide a detailed description of your services, sales scripts, compliance policies, refund and cancellation terms, and possibly call monitoring procedures. If you offer recurring services or products, outlining your billing and communication flow will strengthen your application. Donβt worry β weβll walk you through everything step by step. Our team ensures that your submission meets all the processorβs expectations from day one.
Yes! All of the high-risk processors we recommend support MOTO (Mail Order/Telephone Order) transactions and recurring billing β which are essential for telemarketing and inbound call centers. These processors understand the complexities of accepting payments over the phone, where cards are not physically present. They offer secure gateways, fraud prevention tools, and detailed reporting for recurring services. Whether you operate on a one-time sale or monthly billing model, we ensure that the solution we match you with can handle your transaction flow securely and efficiently.
Using a mainstream or low-risk processor can expose your business to serious disruptions. Even if you get approved initially, your account could be frozen or terminated the moment their system flags you as high-risk. This could lead to delayed payouts, frozen funds, or even blacklisting across other platforms. Additionally, mainstream processors are not equipped with tools to manage high chargeback ratios or phone-based billing models. Thatβs why our service exists β to help you avoid these problems by getting it right from the start with a high-risk processor who is ready and willing to support you.
Applying directly to multiple processors without knowing their risk tolerance can waste time, damage your business reputation, and even lead to denials that are hard to reverse. Our team has deep industry knowledge, and we know which providers are most likely to approve businesses like yours. We help present your application correctly and match you with a partner that fits your business model β not just someone who takes any application. Best of all, our service is completely free, and you get professional guidance from start to finish. With us, you save time, avoid stress, and get access to the best terms possible.
