High risk merchant account provider

High Risk Merchant Account Provider

We provide full-service high risk merchant accounts and a reliable payment gateway to companies in high risk industries or hard-to-place industries.

With PayFasto as your high-risk merchant account processor, you can expect a high-risk specialized solution with secure transactions, chargeback- and fraud protection, 24/7 personalized support, international payments, and more.

Join 1.000+ High-Risk Companies Who Already Use Our High-Risk Merchant Account Services

Why choose PayFasto as your high risk merchant account gateway provider?

Reduce Chargebacks. Increase Revenue.
Maximize Your Sales, And Let Us Handle the Payments.

We get it. Finding a high risk merchant account and credit card processing provider isn’t easy when your business is operating in high-risk industries. By partnering with PayFasto, you’re guaranteed a safe, innovative, and market-leading high risk payment gateway.

100% Secure Transactions

High-risk industries deserve high-level security. Our high-risk payment gateway ensures your transactions are secure, safeguarding your operations.

Customized Solutions

Your business is unique, and your high-risk payment processing should be too. Our team of experts is dedicated to helping you find the perfect payment solution.

Minimum Costs, Maximum Value

Get access to our market-leading high-risk merchant accounts and receive the maximum value for your investment while keeping your expenses to a minimum.

Recurring Payments

We know that recurring payment options are vital for many high-risk companies. With our high risk merchant account, you can manage recurring transactions efficiently.

International Payments

With PayFasto, your business location doesn't matter. Choose us as your high-risk payment processor and enjoy global payment with ease, anywhere you are.

Your Favorite Features

Why choose complexity when you can have simplicity? Our high-risk payment gateway is designed with the latest features & your favorite integrations.


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Get Access to Seamless Integrations

Connect Your High-Risk Merchant Account With All Your Favorite Apps

We cover all the major e-commerce shopping carts including Shopify, WooCommerce, Magento, and PrestaShop.

With our high-risk payment gateway, you’ll be well-connected to the vast world of e-commerce and you can enjoy the features of the apps you know and love – even if you’re operating in a high-risk industry.  

We're Just a Single Call Away. 24/7.

At PayFasto, we’ve reimagined customer service for our high-risk businesses. Our 24/7 customer support isn’t just a service; it’s a lifeline.

In the fast-paced world of high-risk industries, we understand that payment processing challenges can’t always wait for office hours. That’s why we’re here, round the clock, ready to assist.

Imagine having a team of experts available whenever you need them, ready to tackle any high-risk payment processing issue, answer your questions, or provide guidance. With PayFasto, that’s your reality.

As experts in high-risk payment processing, no business is too risky for us. Reach out to our customer support team today and learn how you can leverage our high-risk payment gateway and high-risk merchant account. 

What is a high risk merchant account - PayFasto

Get a High-Risk Merchant Account tailored to Your Industry

Your Industry. Our Expertise.

Expect one of the best high risk merchant accounts solutions in the game. We’re specialized in high-risk industries, and our payment gateway is designed to help any high-risk business with payment and credit card processing.

Whether it’s sex toys, adult content websites, intimate chat rooms, or adult webcam services, PayFasto can provide you with a high-risk payment gateway with secure high-risk payment processing.

From CBD products to hemp and cannabis businesses – PayFasto offers tailored CBD high-risk merchant accounts that will equip you to accept payments from customers worldwide.

When it comes to high-risk Forex industries, smart investments are paramount. PayFasto is your strategic partner, providing a tailored high-risk merchant account solution.

In the online gambling and online casino industries, mitigating risks is paramount. PayFasto specializes in high-risk merchant accounts for these sectors by providing a tailored high-risk payment gateway. 

We are your trusted partner in providing high-risk payment processing solutions that will allow you to accept, trade or sell cryptocurrencies, including Bitcoin merchant services. 

From e-cigarettes and vape liquids to tobacco and paraphernalia, our versatile high-risk merchant accounts empower your business to accept payments for all your products.


Global Reach. Local Support.

At PayFasto, we’re aiming to provide truly global high-risk merchant account services, and we can assist you in obtaining a high-risk merchant accounts across Europe, the UK, North America, South America, and Asia. 

With a 90%+ approval rate, we strive to approve your high-risk merchant as soon as possible. Once your high-risk merchant account is approved, we’ll help you set up your tailored high-risk payment gateway.

Our high-risk payment gateway streamlines the whole process, allowing you to seamlessly accept credit cards and local payment methods no time.

With our high-risk payment solutions, you get the best of both worlds: global access and local understanding.

Full payment processing for high risk industries

Prevent Chargebacks. Minimize Fraud.

Fraudulent transactions and chargebacks can be a nightmare for businesses, especially those operating in high-risk industries. PayFasto’s high-risk merchant account and high-risk payment gateway are equipped with robust tools and features to help you mitigate these risks effectively.

Through our Advanced Fraud Detection feature, we employ cutting-edge systems that continuously monitor transactions, allowing you to prevent chargebacks proactively.

Our high-risk merchant account includes robust identity verification features, reducing the risk of unauthorized transactions and resulting chargebacks.

We understand the costs associated with chargebacks, and our high-risk payment gateway provides  a series of features to minimize them.

In the case of a chargeback, our experts assist in compiling the required documentation and evidence for successful dispute resolution.

A Word From Our Customers

We like to believe we’re the best high-risk payment processor, but don’t just take our word for it. 

One High-Risk Merchant Account. Multiple Payment Options. 

PayFasto is your gateway to a world of payment possibilities. With one high-risk merchant account, you unlock access to a diverse range of payment options.

We understand that flexibility is crucial for businesses operating in high-risk industries, and that’s why our merchant account caters to your unique needs. From local payment methods, to MPOS solutions and traditional credit card & mastercard payment processing, we’ve got you covered.

With our multicurrency payment gateway, we offer a full-scale and flexible payment solution to any high-risk business – both B2C and B2B.

Best High-Risk Merchant Account Processor in 2023

At PayFasto, we like to believe we offer the best high-risk merchant account of 2023. 

If your business is considered high-risk, popular merchant providers like Stripe and PayPal, is a no-go for you. They don’t know or support the high risk industries.

That’s why you need the best high risk payment processor, PayFasto. Our merchant services are fully dedicated for high risk businesses.

Thousands of companies in high-risk industries have already chosen to partner with us to get access to our high-risk merchant account and high-risk payment processing services. 

We hope you’ll be our next customer. In the meantime, here’s a few reasons why we think we offer the best high-risk merchant account on the market. 

Putting People First

PayFasto boasts a specialized and friendly customer support team, always ready to assist you – from helping you onboard our high-risk payment gateway and all of your journey ahead.

Hidden Costs? Not With Us!

The best high-risk merchant account also has the best pricing structure. At PayFasto, we believe in transparency, and you'll have a clear view of all your monthly costs.

Proven Track Record

More than 2.000 high-risk industry companies just like you have already placed their trust in us. Our award-winning high-risk merchant account services consistently earns excellent reviews.

Specialized Payment Solutions

Whether it's online payment services, MPOS solutions, Mastercard processing, our multicurrency payment gateway provides a comprehensive solution to both B2C and B2B needs.

Featured Customer Reviews

Find the Answers to Your Questions.

What Is a High Risk Merchant Account?

A high-risk merchant account is a payment processing solution, dedicated to support payments and credit card transactions for high-risk businesses.

High-risk businesses are businesses with a perceived risk of financial loss. For instance, some businesses in industries such as nutraceuticals, e-cigarettes/vape, CBD and cannabis, or cryptocurrency may have frustrating experiences finding payment processors or service providers. 

If you run a high-risk business, the only way to navigate these hurdles efficiently is to partner with a high-risk payment processor like PayFasto.

How Much Does a High Risk Merchant Account Cost?

The average payment processing fees for a high risk merchant account generally range between 2% and 4%. However, the real cost depends a lot on your specific business industry, monthly sales volume, past history and region. There’s also different type of fees like transactions fees, chargeback fees, setup fees etc. However in the end, you’ll find that the costs are worth the value you get, with a secure and reliable high risk merchant account provider like PayFasto. 

Why Are Some Merchants Considered High Risk?

In payment processing, certain businesses are labeled as high-risk due to factors that elevate the potential for financial instability or disputes.

These businesses often experience higher chargeback rates, either because of the nature of their transactions or the clientele they cater to. Industries like travel, gambling, or adult entertainment inherently face increased risks due to the potential for customer dissatisfaction or regulatory challenges.

Additionally, a company with a poor credit history or frequent chargebacks in its past, or being labeled as such by governments and financial institutions because of the regulatory complexities or perceived reputational risks associated with their operations.

This high-risk designation affect their high-risk merchant account terms and often leads to elevated processing fees.

How to Get a High-risk Merchant Account?

To get approved for a high-risk merchant account, start by ensuring your business documentation is complete and accurate. Maintain a positive banking and credit history to demonstrate financial stability. Be transparent about your business operations, revealing the nature of products or services you offer. Expect thorough reviews, so be patient and cooperative. It’s also beneficial to research providers that specialize in high-risk industries, as they’ll have a better understanding of your needs. Always be honest in your application; misrepresentations can lead to delays or denials.

To get approved for a high risk merchant account, here’s some documents you should have ready:

  • Government-issued photo ID
  • Articles of Incorporation (if eligible)
  • 3 months of corporate bank statements
  • 1 canceled corporate pay-check
  • 3 months of valid processing statements (if eligible)
  • Organizational structure chart (shareholders)
  • License number, including the name of the license-issuing organization (if your business requires the license)
  • Shareholders certificate
  • Incorporation certificate and shareholder certificate of other firms (if eligible)

Do I Really Need a High Risk Merchant Account?

If you operate in a high-risk industry, it’s likely you’ll need a specialized high-risk merchant account to process online credit card payments. It’s important to note that while some payment gateways support transactions, they don’t label themselves as ‘high-risk.’ The risk is primarily shouldered by the merchant account provider.

It’s wise to select a high risk merchant account processor equipped with security features like two-factor authentication. Providers like Authorize.net and NMI offer gateways that integrate smoothly with third-party high-risk merchant accounts, ensuring an easy set-up and efficient transactions.

What Is the Difference Between Low Risk & High Risk Merchants Accounts?

Both regular (low-risk) and high-risk merchant accounts essentially serve the same purpose: they process payments for businesses. However the key differences are that high-risk merchant accounts often have more chargebacks, stringent underwriting processes, potentially higher fees, and might ask for reserves or other financial guarantees due to the increased risks.

To ensure an effective payment processing set-up for your high-risk company,  a specialized high risk merchant account is required. 

Which Industries Are Considered High-Risk?

The list of high-risk industries and businesses are constantly growing, but in general high-risk businesses are companies that are increasingly subject to risk and financial loss. Here’s some examples of industries that are considered high risk:

  • Online dating industry
  • Travel and tourism
  • Gambling and casinos
  • Tobacco and e-cigarettes
  • Firearms and ammunition
  • Cryptocurrency exchanges
  • Debt collection services
  • Nutraceuticals and dietary supplements.
  • CBD and and Cannabis merchant services
  • Financial services and loans
  • Certain e-Commerce Businesses 

What Are the Benefits of a High-Risk Merchant Account?

Do you have a small business that is prone to chargebacks? Or are you simply operating a business labeled as high-risk? Then it’s likely time to switch your payment processing provider to a trusted, dependable, and reliable high-risk merchant service provider like PayFasto.

These are some of benefits of having a high-risk merchant account: 

Global Access: Tailored high-risk merchant accounts often allow global reach, allowing customers worldwide to transact in their preferred currencies.

Chargeback Protection: High-risk merchant accounts are able to offer chargeback protection due to their expertise. This ensures secure transactions and increased revenue, as studies show customers tend to spend more with cards than cash.

Security Assurance: High-risk merchant accounts and specialized high-risk payment processors understand the security challenges in high-risk industries and thus prioritizes the safety and privacy of customer card details, using advanced technology to swiftly detect fraud.

Tech Integration: Some high-risk merchant account providers integrate cutting-edge technology into your high-risk merchant account, expanding your reach and boosting sales.

Efficient Underwriting: A streamlined merchant underwriting process ensures your business meets necessary criteria for success and allows you to set up your high-risk payment processing as quickly as possible – without any setbacks along the way. 

Request your free quote now with PayFasto.

Request your free quote now with PayFasto. Within 24 hours, we will get back to you with an offer designed expressly for your high-risk industry needs.