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High Risk Merchants

Cyberauthorize is able to process a merchant account application for domestic US businesses that regular processors won’t approve for bank card/merchant services. Most traditional bank card processors  have a list of prohibited merchant types they categorize as high risk, hard to underwrite, extremely non-traditional.  These businesses are difficult, but not always impossible to approve for credit card processing.  High Risk business types have industry proven risk factors for “Excessive” chargebacks/ disputes, refunds ,product/service/customer dissatisfaction, purchase remorse, and business abandonment. These businesses are also often subject to excessive incidences of fraud, and theft.

Cyberauthorize can offer a number of creative payment processing programs designed for many types of these merchants. Our High Risk Program does not service Non-US businesses, and its principals.  Our program also cannot service merchants currently on the MATCH List, or who have active bankruptcy. Merchants who have had a chapter 11 or 13 bankruptcy under repayment may qualify for merchant services as a Card Present merchant only.

Not all Prohibited type merchants CAN be approved credit card processing, but many can. These accounts will normally take a longer process to approve, have higher processing rates and monthly fees, require more documentation, may require up front or rolling reserves or deposits, have longer funding times, could have ticket size and monthly processing limit restrictions, account use restrictions, and may be subject to frequent and strict risk analysis and monitoring.

As an alternative, sometimes a merchant may qualify for an electronic check /ACH only processing account.  ACH and electronic funds transfer accounts also have a prohibited merchant list.

Typical Prohibited Merchants

  • Adult Industry (All types of business including retail)
  • Airlines
  • Annual Memberships (not including trade associations)
  • Audio Text/ Audio/Video text
  • Bail Bonds
  • Bankruptcy/Collection Attorneys
  • Check Cashing Establishments (Non-bank cash advance)
  • Collection Agencies
  • Companies engaged in lotteries, raffles or gaming
  • Computer Sales (Non-Swiped)
  • Credit Card Protection
  • Credit restoration or repair agencies
  • Dating Services (Non-Swiped)
  • Discount travel clubs/ subscriptions
  • Discount Medical Cards
  • Downloadable Software
  • Drug Paraphernalia of any form (Non-Prescription)
  • Keyed/Internet Cigarettes/Tobacco
  • Excessive Contingent Liability
  • Illegal Products
  • Inbound/Outbound telemarketing
  • Investment Opportunities
  • Jewelry Sales (Non –Swiped)
  • Mail Order Coins
  • Magazine Subscriptions
  • Mortgage reduction services
  • Non-FDA outrageous claim weight loss products
  • Psychic Network
  • Pre-paid Phone Cards
  • Pyramid sales programs (New Multi Level Marketing)
  • Factoring Organizations
  • Sexual Enhancement Products
  • Travel Agencies
  • Tour operators that take prepayment
  • Time-share sales/Rentals
  • Travel Certificates
  • Wire Transfers (MOTO Money orders)
  • Online/MOTO Sales of Prescription drugs

Call NOW to get Payment Processing Solutions for you specific type of business !


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