Low Risk Merchant Services
What is a low risk merchant account?
A low risk merchant account is ideal for stable, traditional businesses that process payments with minimal chargebacks and regulatory risk. These businesses typically have consistent sales volume, operate in well-established industries, and present minimal financial risk to payment processors.
High risk doesn’t mean you’re doing something wrong—it just means you need a specialized partner who understands your industry.
Examples of Low Risk Businesses
-Retail Stores (in-person & online)
-Professional Services (legal, accounting, consulting)
-Healthcare Providers
-Salons & Spas
-Subscription Boxes
-Education & Online Courses
-Nonprofits & Religious Organizations
These industries are considered “low risk” due to their track record of low fraud and chargeback rates, making them eligible for lower processing fees and easier approval.
Why Choose Lucrative Merchants for Low Risk?
Even low risk businesses benefit from a partner who goes beyond cookie-cutter solutions. Here’s what sets us apart:
✅ Direct Processor Relationships – Lower rates, fewer middlemen
✅ Next-Day Deposits – Keep your cash flow moving
✅ EMV-Compliant POS Systems – For in-store efficiency
✅ eCommerce-Ready Payment Gateways – Simple integration
✅ Dedicated Support – Real people, real answers
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.
Start Accepting Payments
Even if you have been declined before, we can help you secure a safe and reliable merchant account for you high risk business.
