How does payment processing works using a High-Risk Merchant Account?

How does payment processing works using a High-Risk Merchant Account?

High-risk merchant account in the USA facilitates accepting payments from consumers. Payments processing with high-risk merchant account are superfast and very

Have you ever wondered how payment processing works using a High-Risk merchant account? Let us find out how such a complex procedure is processed within seconds.

Merchants with businesses like Forex Trading, Gaming, Casino, Adult Toys, Tobacco, Escort service are always at risk. They are highly viable to online frauds. With the bulk processing of payments, they magnetize high chargebacks.

Unlike regular merchant accounts, which are limited to transactions within the parent nation, high-risk merchant accounts have no restrictions. They can transact money in whatever currency you want, giving them a real chance to expand their business globally.

Let us learn more about High-Risk Merchant Account and payment processing.

Knowing High-Risk Merchant Account

A merchant account is for payment processing by any firm that relies on the ability to accept credit and debit card payments from its consumers. But, not every business is a good fit for a conventional merchant account offered by most financial institutions.

A High-Risk Merchant Account is a digital account for high-risk merchants that keep track of all transactions. This account regulates all business economic activities. It acts as the mediator between the customer and the merchant to make payments.

A high-Risk Merchant Account isn’t easily available. Merchants have to strive hard to get an account from acquirers. But once facilitated it can simply transform a merchant’s business and generate huge benefits.

Understanding the whole payment processing with High-Risk Merchant Account

Payment processing may seem complex by words but it hardly takes few seconds to complete. When the end-user makes the payment for services he rushes to the payments page. This payments page comprises various payment options like credit & Debit cards, APMs, etc.

As soon as the customer fills in the detail with the best-suited option and presses the “Pay Now” button, the process initiates.

Step 1:

A payment request is first generated with customer details to furnish payments. The information is then encrypted to prevent threats.

Step 2:

This information in the form of digital order is now transferred via the payment gateway to processors.

Step 3:

Now the details with the processors are first shared with the customer’s bank to authenticate a transaction.

Step 4:

Customer’s Bank validates details along with the available funds.

Step 5:

After the cross-examination amount is then deducted and sent to the merchant account.

Step 6:

If payment fails in the case of wrong details or not enough balance the information is hence sent to the user.

Step 7:

He now can either enter the correct details or choose the best alternative payment method.

Step 8:

When the transaction is completed successfully, the receipt of status is generated. It’s then sent to both the merchant and the customers.

Though this process seems long it completes within seconds. The security filters are within the system that safeguards or detects fraudulent transactions.

Advantages of High-risk merchant account

High-risk merchant accounts are for High-risk enterprises. It is for businesses having greater possibilities of chargebacks and frauds.

General Merchant Account and High-risk merchant account differ slightly. The latter comes with high-security features to prevent transactions. Besides this, there are various advantages of having a high-risk merchant account.

  • PCI-DSS Level 1 encryption to prevent payment transactions against threats.
  • Accept payments from all over the world
  • Bulk processing of simultaneous transactions.
  • Quicker processing of transactions.
  • Powerful dashboard for real-time monitoring of transactions.
  • Multiple currencies and language support
  • Faster settlements
  • Support all payment methods
  • Do business what others cannot like casino, gambling, tobacco, adult toys, etc
  • Single chargeback will not lead to the closure of the merchant account.

Know your payment service provider for High-Risk Merchant Account

Your service entirely depends upon the PSP. Getting a High-Risk Merchant Account is not easy. Chargebacks and frauds are a greater reason of concern for high-risk businesses. Due to the large scope of business, some banks may prefer offering merchant account. But this is not all that needs for running a successful business.

Things to look at before opting for payment service from a PSP,

Transparency in charges:

No matter you are a new or older merchant what matters is how much is your PSP charging for services. The charges should be within the capacity of merchants. All charges including, installation charge, per transaction service charge, annul charges, etc. should not look like a burden to businesses.

Faster and quicker installation:

Delay in services and installation is not a good sign for reliable PSP. Integration with APIs hardly takes few minutes to start your payment service.

Customer Support:

Dealing with a merchant’s problems is a responsible task. Entertaining business queries quickly is very essential for better experience and merchant’s faith.

Industry Experience:

Previous experience matters most. Always look for a PSP with a large experience in handling your business payments. They provide a better and glitch-free experience to customers.

Security Compliance:

It is the most essential for high-risk merchants. No security means no business. You can someday get huge chargebacks which will be impossible to handle and the only thing you can do is to shut down the business. PSP must have the latest security solutions.

Proficient services:

Services with high volume transactions, multi-currency support, and quicker processing of transactions are regarded as proficient. Payment services with large payment options can encourage large customers.

Future Growth:

A PSP that cares about your growth doubtless is the best for payment services. Timely Upgradation of services along with the suggestion to compete in the market should always be welcomed.

eMerchantPro is one of the leading PSP in the USA. We have been servicing in half of the globe countries for the last decade. Having good experience in managing payment services, we have matured ourselves as experts.

Including all facilities, we have expertise in managing any issues with high-risk businesses. A high-Risk Merchant Account from us can serve you the best. Equipped with PCI-DSS protection lets you’re every transaction secure. Offering services at guaranteed low prices no PSP can compete with us in quality service.


A high-Risk Merchant Account is one of the basic requirements for High-Risk businesses. Having a merchant account and running a successful business depends on PSPs. Giving a good experience of payments to customers always encourages repeated payments.

The processing of payments in High-Risk merchants does not need much time. Good processors can service tremendous profits. Contact eMerchantPro for more information on charges and getting payment services.