high-risk merchants

high-risk merchants

e-commerce solutions for

Having trouble finding a high-risk merchant services provider? We provide innovative e-commerce solutions and unparalleled customer support to hundreds of businesses in a variety of industries—including high-risk like medicinal marijuana, adult content, gaming sites, dating sites, nutraceuticals, tobacco, synthetic drugs, and continuity marketing.


Is Your Business Considered High Risk?

When it comes to payment processing, some business types and industries are considered high risk. Because of the nature of your business, you might have trouble getting approved for a merchant account. If you’ve been turned down by credit card processors because they determined that you’re a high-risk merchant, BNA can help. There are a number of reasons why a provider would classify your business as high risk. Whether your industry is known for excessive chargebacks or fraud, you have bad credit, or you’re an offshore business, it can be difficult to secure a long-term merchant services account.

Here is a list of some high-risk business types that would require a high-risk merchant account:

  • Airlines
  • Airplane charters
  • Adult content
  • Antiques
  • Automotive brokers
  • Brokering
  • Calling cards
  • Casino, gambling, or gaming
  • Cheque cashing services
  • Cigarette, electronic-cigarette, or nicotine cartridges
  • Coins, collectible currency, or autographed collectibles
  • Collection agencies
  • Coupons or rewards-points program
  • Credit or debit repair
  • Credit counselling
  • Credit protection
  • Dating services
  • Debt collection
  • Discount health/medical care programs
  • Debt consolidation
  • Drug paraphernalia
  • eBay Store
  • Event ticket brokers
  • Exporting services (non US based)
  • Fantasy sports websites
  • Federal Firearms License (FFL) dealers
  • Finance broker, financial consulting, or loan modification services
  • Financial planning, strategy, or advising
  • “Get rich quick” books, programs, etc.
  • High average tickets
  • “How-To” websites (i.e. “Learn How-To Make Money on The Internet”)
  • Horoscopes, astrology, or psychic services (i.e. fortune tellers)
  • International merchants (non US based)
  • International shipping, cargo, or import/export
  • Investment firms
  • Investment strategy
  • Lotteries
  • Magazine sales and subscriptions
  • Mail order
  • Medicinal marijuana
  • Membership organizations (over 12 months)
  • Modelling agencies
  • Multi-currencies
  • Multi-level marketing (MLM)
  • Pawn shops
  • Poor credit
  • Prepaid debit cards
  • Real estate
  • Replica handbags, watches, wallets, sunglasses, etc. (knock-offs)
  • Self-defense, pepper spray, mace, etc.
  • SEO services
  • Social networking sites
  • Sports forecasting or odds making/betting
  • Talent agencies
  • Telecommunications
  • Telephone companies
  • Telephone order
  • Third-party processing, factoring merchants (i.e. payment processors, vacation rental brokers)
  • Time-shares or time-shares advertising
  • Tour operators
  • Travel services
  • Travel agencies
  • Travel clubs
  • Vacation planners
  • Vacation rentals (unless property is owned by merchant)
  • Vitamin and supplement sales (diet pills, prescription pills, health supplements, pharmacy, etc.)
  • VoIP services
  • Extended warranty companies
  • Weapons of any kind

Does your business fall into one of these high-risk categories? Partner with BNA to get the reliable payment processing you need to grow your business.