First Card Payments > Merchant Support  > The 5 Things That You Should Look For in a High Risk Merchant Processor

The 5 Things That You Should Look For in a High Risk Merchant Processor

The Best High Risk Merchant Processors


There was a time when customers paid in cash and processing payments was as easy as accepting money and giving change. But in the fast paced world of e-commerce, you have to keep up with the increasing appetite of consumers for shopping and make sure that all transactions are smooth, fast and of course safe.

This is where payment processing comes in, a method where a high risk merchant service provider serves as the middleman between you and your customer in processing credit and debit card payments.

Once the customer provides his bank details, the information is sent to the bank for authorization, after which the confirmation or denial of the transaction is sent back to you.

To make sure that you have a reliable payment processing scheme in place, here are five things that you should look for in a high risk merchant provider:



Like any other business partner, you should always look at credibility first when choosing a high risk merchant provider. Check the providers Better Business Bureau (BBB) report to verify the provider’s track record.

If you see several complaints or if you hear bad reviews from other businesses that the provider has worked with, it’s time to look for another option.


Transparent Payment Structure

moneyA lot of high risk merchant processors lure you with the greatest offers yet charge you higher than your profits. Since you’ll never find a free merchant account, you have to look for a high risk payment processor that can give you a transparent a reasonable fee structure where you can get value-added services.


Fair Rates

A processing fee rate is generally the percentage of a transaction that’s paid to your high risk merchant processor for its role in facilitating the transaction.

A processing fee will also include the fees that should be paid to the issuing bank and the credit card association, all of which should be charged fairly by the provider.



Whether you have a brick-and-mortar store or you’re purely operating online, it’s very important to find a high risk credit card processor that could offer you the hardware and software that you need to keep your payment processing operations up and running.

For instance, credit card terminals are a must in a physical store while cloud-based systems are very important in tracking and storing payment processing data. Find a merchant processor that could offer you these technologies without charging you a lot of money.


Customer Support

credit repairNo matter how efficient your payment processing scheme is, there will still be errors and problems along the way. This is when it really matters to find a merchant provider that could offer you consistent customer support in dealing with any issues.

You should be provided with a number or email address that you can reach whenever you have issues and your merchant provider should be available whenever you need assistance.


Choosing the right merchant provider is an important step in making your payment processing more efficient. So make sure to keep these things in mind when deciding on the right partner for your business.  

Ryan Kemp Zulu Shack Creative
( Director of Digital Marketing )

I am passionate about delivering results and helping my clients succeed. With my expertise in SEO, branding, and marketing, I lead the agency’s efforts to create and implement effective strategies that drive business growth. Our all-inclusive approach sets us apart from other digital media companies and ensures that our clients receive the full range of services they need for online success. If you can think of it, we can build it!

Zulu Shack Creative team members thrive on momentum. Like Zulu warriors, we strive to spearhead your idea with speed and quality.

When I’m not helping my team implement new digital marketing strategies, I enjoy playing music, hosting poker nights, reading Stephen King novels, and spending time with my wife and baby daughter.

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