High Risk Merchant Account Specialists
Our cutting-edge high risk credit card processing solutions ensure you have the most up-to-date software, hardware, and solutions.
Personalized High Risk Credit Card Processing
Here at JP Marlin Payments, obtaining a high risk merchant account for businesses new and established is our specialty. Our cutting edge high risk credit card processing solutions ensure you have the most up-to-date hardware and software available. Our solutions let your customers purchase products and services with ease. The process of setting up a high risk merchant account is determined by the amount of risk associated with the business as well as the industry. But what determines if your business is risky and how can you secure affordable high risk credit card processing?
Free Rate Review
Chargeback and Risk Mitigation
E-commerce & Brick-and-Mortar
A Look into High Risk Merchant Accounts
Don’t let the term “high risk” scare you. There are a wide variety of reasons a business can be classified in this way and not all of them are bad. High risk merchants may earn this classification due to their average transaction size, industry type, typical chargeback rate, fulfillment timeframes, or if they are structured to acceptsubscription-style payments. By falling into any one of these categories, your business will automatically be deemed high risk by merchant account providers across the country.
Some industries fall into the high risk category without a doubt, while others are carefully scrutinized for tell-tale risk factors. Here are a few common industry types that are found to always require a high risk payment gateway.
Current acceptable HIGH RISK list:
Adoption Agencies- Non- Profit
Adult Canada
Adult- Enhancements / Lube/ Toys
Adult Streaming/Novelties/Toys
Airlines/Booking Engines
Alarm Services
Alcohol- card not present
Ancillary Cannabis
Animals by mail
Annual Memberships/ Recurring Charges
Auctions
Auto Loans/Student Loans
Auto Transport/Auto-ship/Continuity
Background Checks
Bail Bonds
Bongs/Pipes (Store and Site)
Business Ops
Buy/sell frequent flyer miles program
Buying & Shopping Services & Clubs
Cable Streaming
Call Centers
Canadian Merchants
Car Parts
Car Rentals
Cell Phone Unlocking
Charter Airlines
Cigars/Tobacco
Club Memberships
Collectables/Coins/Stamp Store
Collectibles & High Market Value Items
Collection Agencies
Companion / Dating / Services
Compound Pharmacy
Computer Hardware/Software sales, repairs
Computer Programming & Data Processing
Consulting / Seminars
Cosmetics-Straight Sale only – No Trial
Counseling Centers
Coupons
Credit Repair
Cruise Lines
Crypto Mining Equip.
Dating
Dating Online
Debt Buyers
Dept Repayment
Digital Subscriptions
Direct Marketing
Discount Buying Clubs
Doc Prep
Door-to-Door sales
Downloadable Software / APPS
Drop Shipping
EBAY sites
E-Cig-no MJ or CBD images
Education Online
Electronic Coupons
Electronics
Extended Warranty/Protection Services ‘
File Sharing
Firearms
Food Products
Forex – training / Education only
Freight Forwarding
Fulfillment Houses
Furniture Stores
Garcinia Cambogia
Gift Card Sales (No prepaid cards)
Gift Certificates
Glass Bongs & Pipes
Glass Pipes & Bongs-Tobacco use only
Gold/Silver
Graphic Design
Green Sky
Guns
Hemp Oil (no CBD/THC)
Home Improvement
Identity Theft Services
Import / Export
Pharmacy Online
Phone Services / Pre-Paid Calling Cards
Precious Stones & Metals, watches, jewelry (wholesale)
Preorder Merchandise
Prepaid phone cards / Prepaid cell phones
Psychics
Public Database Searches
Real Estate
Retail
SAS Software
Search Engine Optimization
Seminar Marketers/ Seminar planning Services
SEO
Sexual Enhancements
Shipping/Forwarding Brokers
Skin Care Products
Social Media Following (no free trials)
Software/Apps
Sporting Gear / Knives
Sports Consulting
Sports forecasting
Staffing
Tax prep
Tech Support (Website cannot say “Remote” anywhere) Tech Support 4.95% $79 fee
Telecommunication Services / Tele-med Services
Telemedicine (Consult/Physicians)
Third Party Administrators (TPAs)
Ticket Brokers
Ticket Events
Ticket Sales
In Store Financing
Inbound Tele Sales (No gifts/prizes)
Inbound Telemarketing
Infomercials
Insurance Agencies
Insurance Brokers
ISP (Internet Payment Service Provider)
Jewelry Online
Knives – (20%-30% of their items)
Land
Lead Generation
Liquid Incense (Non-Ingestible)
Loans/Finance
Logistics / Freight -Domestic Shipping Only
Mail Order & Catalog
Male Enhancement
Marketing
Marketing / Advertising
Marketing / Digital Marketing (No Pay Per Click)
Marketing -subscription/free trial/continuity
Massage Therapists
Medical/Dental Loan Payments
Membership Clubs
MLM
MLM/Biz Opt.
Modeling Agencies/schools
Moving & Storage
Nutra – 6ms/ fulfillment house/ G2 URL Registration/CMS-$10Ti0m.0e0SFheaere under 90-
day fulfillment
Nutra – Straight Sale only – No Trial
Nutra (Food Product)
Nutra/ Supplements
Nutra-Keto/Skin/Str8 sales
One Time/Straight Sale Nutra- 3.95%
Outbound Telemarketing Companies
Pawn Shops
Payment Facilitator
Payment Service Provider
Pharmaceuticals non face to face
Pharmacy
Pharmacy -CNP
Timeshare – Fees (No Buying/Selling Time Shares)
TMF’ed merchants- if they have docs & MS proof
Tobacco/Vape card-not-present-lawyer letter/ $500k fee
Transport-Frieght-trucking-3.95%
Travel – over 90-day fulfillment
Travel Agencies & Cruise Lines
Travel Agents- under 90-day fulfillment
Travel Tour Operator
Travel, Timeshares, Cargo
Vapors Equip. only – no e-juices
Voice over IP- in biz 2 yrs.
VOIP – Systems
Warranties
Warranty programs-Must be 12 months or less
Water-Softener
Web Design
Web Design/Host
Wine Clubs
Working Visa – Biz in USA
Painless High Risk Processing Solutions
Whether you are currently processing or need to set up a new high risk merchant account for your business, JP Marlin Payments is here to help. For existing businesses looking for better rates, new equipment, or state-of-the-art security, ask us how we can help you. We offer free rate reviews, the newest terminals and POS systems, as well as PCI compliant online credit card processing. As for new businesses just getting started, allow us to simplify the process of high risk payment processing. We have a combined experience of over decades in the high risk space. Let us get you processing credit cards simply and quickly. JP Marlin Payments is one of the most trusted high risk credit card processing companies in the industry. Let us show you why.