High Risk Merchant Account Rates and Fee

High Risk Merchant Accounts are most of the times subjected to a setup fee . The higher the risk associated with your industry, the higher the fees and charges for credit card processing.

Various factors define the risk associated to your business like Industry, Location, Processing History, Processing volumes and Clientele. For instance, stores that offer adult products are just as likely to be rated as high risk enterprises as those who deal firearms. The same holds true for travel services, telemarketers, bail bonds businesses, online auctions, and dating websites.
Businesses that are placed in the Terminated Merchant File (TMF), also sometimes called the MATCH list, will also be considered high risk.

Keeping in mind that the actual rates and fees you’ll pay depend on a number of factors, high risk businesses should expect credit card processing fees to start around 3.5% for an established business in a “less risky” high risk category. From there, costs can rise to 10% or more, with the highest rates coming for those in the riskiest industries or businesses using “offshore” merchant service providers

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