If a processor called your business high-risk, it's not an insult and it's not a dead end. It's a category - and understanding it tells you exactly what to do next.
Predictable volume, low chargebacks, mainstream categories. Mainstream processors approve you and leave you alone.
More chargebacks, tighter regulation, or a category banks treat cautiously. You need an account underwritten for it.
Both account types let you take cards. They're just underwritten differently - one for businesses banks consider low-risk, the other for businesses banks treat with more caution.
Serves businesses banks consider low-risk - predictable volume, low chargebacks, and settled industries like retail, restaurants, and professional services.
Underwritten for businesses with more chargebacks, tighter regulation, or a category banks treat cautiously - CBD, firearms, nutra, adult, travel, and gaming.
The label doesn't change whether you can take cards - it changes the terms behind the account.
You're standard if mainstream processors approve you and leave you alone - no declines, no freezes, no category trouble.
You're high-risk if you've been declined, frozen, or shut down for your industry - or you sell something on the restricted lists. You need an account underwritten for it.
We underwrite standard and high-risk businesses, so you don't have to guess which door to knock on. Tell us what you do; we'll place you correctly and get you processing - usually within 24-48 hours.
Usually your industry, chargeback history, or how you sell (subscription, high-ticket, MOTO). It's about the category, not your character.
Generally yes - the added risk is priced in. The trade is an account that stays open instead of one that freezes.
Sometimes, as history and chargeback control improve. We review terms as your account matures.
Tell us about your business; we'll find the path.
Get Approved in 24-48 Hours