High Risk Merchant Services
What is a high risk merchant account?
A high risk merchant account is a type of payment processing account designed for businesses operating in industries that are considered to have elevated chargeback rates, legal regulations, or reputational concerns. If your business has been declined or shut down by traditional processors, you’re likely considered high risk.
High risk doesn’t mean you’re doing something wrong—it just means you need a specialized partner who understands your industry.
Who Needs a High Risk Merchant Account?
You may need a high risk merchant account if your business falls into one of the following categories:
- CBD & Hemp Products
- Adult Entertainment & Dating
- Firearms & Ammunition
- Nutraceuticals & Supplements
- Travel & Ticketing Services
- Cryptocurrency
- Online Coaching & Subscriptions
- Credit Repair & Financial Services
Even if you operate a legal, compliant business, traditional banks and processors often flag these industries as high risk due to higher chargeback ratios, regulation, or industry perception.
Why Choose Lucrative Merchants for high risk?
We work directly with trusted high risk payment processors who understand the needs and nuances of your business model. Here’s what you get:
✅ Fast & Flexible Approvals – Even if you've been declined elsewhere
✅ Chargeback Mitigation Tools – Protect your revenue and reputation
✅ Customized Payment Solutions – ACH, eCheck, recurring billing, and more
✅ Industry Expertise – We specialize in hard-to-place businesses
✅ Transparent Pricing – No hidden fees or vague terms
Our Process
1. Application & Documentation: Complete our online application and tell us about your business.
We will require some supporting documentation in order to get a better understanding of your industry type as well as all the factors that will affect your payment processing options and needs.
2. Finding the best fit:
After receiving all required documentation, Lucrative Merchants will be in communication with the best suited Merchant Service Providers.
Find the most competitive rate at no cost to
your business.
The offered rate will be a result of many variables such as years of operation, total monthly revenue and merchant’s industry (low/high risk).
3. Account Activation & Setup:
Once we have confirmed the Provider and rate, Lucrative Merchants will be in contact with both parties to finalize the set up of the new account.
After the test period (if required) your new account will go live and payments will be processed from that moment forward.
We provide POS systems for your store location as well as Gateway set up for e-commerce sites & online stores.
Get Approved
Even if you have been declined before, we can help you secure a safe and reliable merchant account for you high risk business.
