Merchant Account Solutions for Low, Medium, and Higher Risk Businesses
FastoPayments provides merchant account infrastructure that enables consistent card acceptance, stable approval rates, and operational continuity across a wide range of business models.
Our payment environment is built to support regulated and non-standard industries through structured onboarding, monitored transaction activity, and payment setups designed for long-term sustainability.
Merchant Account Solutions Without Processing Limitations
FastoPayments centralises payment acceptance into a unified merchant account setup, allowing businesses to manage transactions efficiently through a single, streamlined platform. Our infrastructure supports multiple payment methods, giving merchants the flexibility to match customer payment preferences across European markets.
Card payments, mobile wallets such as Apple Pay and Google Pay, selected local payment methods, and alternative payment options are supported through a structured and compliant processing environment, ensuring broad coverage without operational complexity.
Struggling to Get Approved for a High-Risk Merchant Account? We'll Help You - Fast-O
Many platforms turn to mainstream processors because they appear accessible at first, but these solutions often fall short once transaction volumes increase or regulatory expectations tighten.
FastoPayments supports businesses operating in travel, online dating, digital content platforms, crypto-focused services, and licensed gaming and gambling environments. Each merchant account is structured around the realities of the industry, including booking models, subscription billing, digital delivery, or regulated transaction flows. Gaming and gambling services are supported only where valid EU, EEA, UK, or recognised local licences are in place.
By aligning payment acceptance with operational and regulatory requirements, FastoPayments enables reliable transaction processing, predictable approvals, and sustainable growth without unnecessary restrictions.
Simplify Payment Processing, Connect Your Favorite Apps
FastoPayments supports businesses operating across different risk levels by providing structured payment acceptance with continuous transaction oversight and controlled processing environments. Our infrastructure is built to support stable operations while aligning with card network and banking requirements.
For ecommerce businesses, FastoPayments connects seamlessly with Shopify, WooCommerce, OpenCart, and custom-built platforms through our own payment gateway. This allows merchants to manage online payments efficiently while maintaining a consistent checkout experience across platforms.
Whether you are running a hosted store or a fully custom setup, our gateway adapts to your business model, supporting scalable growth without compromising payment stability or compliance.
BENEFITS
What You Get With FastoPayments's High-Risk Merchant Account Services
We handle over 1 million transactions monthly worldwide. No matter where you operate or your industry, we’ll provide you with safe and quality high-risk merchant account solutions.
- A single high-risk merchant account to help centralize and optimize all your payment activities for comprehensive payment processing
- Expert high-risk merchant account services with 10+ years of expertise in the high-risk payment industry
- Outstanding support accessible at all times via Our Platform, live chat, and more
NO LIMITATIONS
Our Integrations
You’ll be well-connected to of the apps you know and love – even if you’re operating in a high-risk industry.
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YOUR QUESTIONS
Frequently Asked Questions
What is a high-risk merchant account?
A high-risk merchant account allows businesses in high risk industries to accept payments. It is a type used by businesses with a higher risk of finance-related issues, such as fraud or excessive chargebacks.
This doesn’t mean these businesses are wrong; they operate in industries where these risks are more common. Traditional banks and financial institutions are less likely to work with businesses in the high-risk category.
A high-risk merchant account works by collecting payment information, processing transactions, and sending money from the buyer to the seller, while the payment gateway confirms and allows the transaction.
How do high-risk merchant accounts differ from low-risk merchants for payment processors?
In payment processing, high-risk merchant accounts differ significantly from low-risk merchants. This distinction is based on the assessment of risk levels in their respective industries.
High-risk merchants, often in sectors prone to increased chargebacks, face stricter scrutiny in credit card and ACH transactions, resulting in higher chargeback fees. They may also encounter a higher rolling reserve, and processing fees are typically elevated due to added complexities.
On the other hand, low-risk merchants enjoy smoother processing, lower chargeback fees, potentially no rolling reserve, and more favorable processing fees due to their reduced risk profile.
When do I need a high-risk merchant account?
When do I need a high-risk merchant account?If your industry is labeled high-risk by banks and payment processors, a high-risk merchant account is likely necessary.
These accounts typically include more robust fraud prevention and security measures.
Consider a high-risk payment solutions provider if your business:
- Often experiences chargebacks (when customers dispute a charge and ask for their money back)
- Sells products or services to customers internationally, especially if you deal in multiple currencies
- Is prone to seasonal fluctuations, which affect steady revenue streams
- Operates in a high-risk industry
Do I need a high-risk payment gateway along with a high-risk merchant account?
Yes, if you operate in a high-risk industry and are in the market for a high-risk merchant processor, it is advisable to use it along a high-risk payment gateway.
A high-risk payment gateway is specifically designed to accommodate businesses with elevated risk profiles, offering specialized features to manage the challenges associated with high-risk transactions.
How can I get a high-risk merchant account?
Look for payment processors specializing in high-risk credit card processing who are experienced in dealing with the unique challenges of high-risk industries – like FastoPayments.
With a 90%+ approval rate, we get your high-risk payment processing platform approved and running as soon as possible. You can count on personalized, dedicated support every step of the way.
Fill out the short form and get your free quote within 12 hours, no strings attached.
Why can't I just use Stripe, PayPal or Venmo?
PayPal, Stripe, Venmo, and Square are not high-risk friendly. They have restricted policies and higher transaction fees and can suspend accounts and freeze funds without warning.
How to find the best high-risk merchant account provider?
To find the best high-risk merchant account provider, start by researching and comparing options:
- Look for providers with a solid reputation in handling high-risk industries, checking for customer reviews and testimonials if possible.
- Evaluate their experience in your specific industry and assess the range of services offered, including fraud prevention measures and customer support.
- Compare fee structures, considering processing fees, chargeback fees, and any additional costs.
- Ensure the provider complies with industry regulations and offers transparent terms.
What are the rates for high-risk merchant accounts?
Rates for high-risk merchant accounts can vary widely depending on factors such as industry type, processing volume, and the provider’s policies.
Generally, high-risk merchants can expect higher processing fees and possibly elevated chargeback fees compared to low-risk counterparts.
You can apply now for a personalized quote from FastoPayments for merchant account rates that fit your industry and processing volume.
What are the payment processing fees in high-risk industries?
Payment processing fees in high-risk industries tend to be higher than those in low-risk sectors.
Typically, average rates span from 2.5% to 10% per transaction. Additionally, many high-risk merchant accounts may incur a monthly fee, typically falling between $10 and $50.
Keep in mind that rates can vary widely based on the specific industry, business model, and the payment processor’s policies.
Can I get instant approval for a high-risk merchant account?
Instant approval for a high-risk merchant account is rare due to the complexities involved in assessing risk profiles. High-risk businesses often encounter lengthy response times and support communications that lack depth or expertise, leading to frustration for customers.
If you want to get tips on how to speed up the process, we have an entire article on getting a high-risk merchant account with instant approval.
FastoPayments boasts a 90% approval rate for our high-risk merchants. We aim to speed up approvals, typically approving low-risk profiles as soon as within 24 hours and getting high-risk merchant accounts up and running within up to 2 or 3 weeks—staying always one call away to update you on the process.
What businesses are considered high-risk?
What credit score do I need to qualify for a high-risk merchant account?
High-risk businesses are those that operate in industries that financial institutions and payment processors consider more likely to encounter issues like chargebacks, fraud, or regulatory challenges.
These industries often face higher scrutiny and may have difficulty obtaining standard merchant services.
Here’s a list of industries that are considered high risk:
Adult Industry (adult entertainment, online platforms, subscription sites, toys, and live performances)
Affiliate Marketing and Lead Generation
Cannabis, CBD, and Hemp Businesses
Credit Repair, Debt Management, and Collection Services
Cryptocurrency Exchanges, Wallets, and FX Platforms
Dating, Escort, and Companionship Platforms
Direct Sales, MLM, and Pyramid Models
E-Cigarette, Vape, and Tobacco Products
Gambling, Casino, and Online Gaming
Investment, Brokerage, and Trading Platforms
Nutraceuticals, Health, and Beauty Supplements
Pharmaceutical and Online Pharmacy Sales
Subscription and Continuity Programs
Travel, Ticketing, and Timeshare Agencies
Telemarketing and Call Center Services
Weapons, Firearms, and Self-Defense Products
Software, SaaS, and Tech Support Services (especially remote access or chargeback-prone models)
The required credit score for a merchant account varies among providers, but generally, a good to excellent credit score is preferred. Many high-risk merchant service providers look for a score of 650 or higher.
However, some high-risk merchant account solutions may be more lenient or not heavily reliant on credit scores, focusing instead on other factors such as business stability, industry risk, and financial history.
It’s advisable to check with specific providers for their criteria, as requirements can differ based on the type of merchant account and the provider’s policies.
Do I need a merchant account if I run an eCommerce business?
Yes, setting up a merchant account is an essential step for eCommerce businesses.
A merchant account makes it possible for online businesses to accept credit and debit card payments securely. It acts as an intermediary between the business, the customer, and the payment processor, facilitating smooth and secure transactions.
While some platforms offer simplified payment processing without a traditional merchant account, having one provides additional flexibility, control, and customization options for managing eCommerce transactions.
In which countries do you offer high-risk merchant accounts?
At FastoPayments, we offer US high-risk merchant accounts, UK high-risk merchant accounts, and serve most European markets, including (but not limited to) countries such as:
🇪🇺 European Union (EU) – Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
🤝 European Economic Area (EEA) – Norway, Iceland, Liechtenstein
🌍 International Coverage – United Kingdom, Switzerland, Gibraltar, Jersey, United States, Canada
High-risk merchant accounts explained
A high-risk merchant account is an agreement with an acquirer that lets your business accept card payments when your industry, business model or history puts you outside what mainstream providers will take on. The acquirer receives the money from Visa and Mastercard, deducts its fees and any reserve, and settles the rest to your business bank account.
Every merchant account comes with a merchant ID (MID) and a merchant category code (MCC). The MCC tells the card schemes what you sell, and for some categories it means extra scheme registration and closer monitoring. That, more than anything, is what makes an account "high risk".
| Standard merchant account | High-risk merchant account | |
|---|---|---|
| Who offers it | Most banks and payment platforms | Specialist providers and acquirers that accept your category |
| Onboarding | Often quick and largely automated | Full underwriting: documents, website review, processing history |
| Scheme registration | Not needed | Required for some MCCs, such as adult content, dating and gambling |
| Rolling reserve | Rare | Common, especially in the first months |
| Monitoring | Standard | Closer, with fraud and dispute ratios watched every month |
More detail in our guide to high-risk vs low-risk merchant accounts and the list of high-risk industries.
High-risk merchant accounts in Europe and the UK
Where your acquirer is licensed and where your customers' cards are issued both affect what you pay and how many payments are approved.
- Licensing. Payment institutions authorised in one EU country can serve merchants across the EEA. Since Brexit, an EU licence no longer covers the UK on its own and a UK licence no longer covers the EU, so ask any provider how it serves your country.
- Interchange caps. In the EU, interchange on consumer cards issued in the EEA is capped at 0.2% for debit and 0.3% for credit under the Interchange Fee Regulation. Commercial cards and cards issued outside the EEA are not covered and usually cost more.
- Strong customer authentication. Most online card payments in the EEA and UK need 3D Secure. Merchants who apply it well, with the exemptions their acquirer supports, keep both fraud and abandonment down. See what 3D Secure is.
- Local payment methods. Cards are not enough everywhere. iDEAL, Bancontact, BLIK, Swish and others matter in their markets. See our guide to local payment methods in Europe.
- Cross-border processing. Payments where the card issuer and acquirer are in different regions carry extra scheme fees and are declined more often. Local acquiring helps. Read the cross-border payments guide.
What a high-risk merchant account costs
There is no single price for high-risk processing, and any provider quoting one headline rate without looking at your business is guessing. Your total cost is made up of several parts:
- Interchange, paid to the card issuer and passed on by your acquirer.
- Card scheme fees, charged by Visa and Mastercard, including extra fees on cross-border payments.
- The acquirer's or provider's margin, which is the part you can negotiate.
- Scheme registration fees for categories that need them, usually charged yearly.
- Chargeback fees for each dispute, whether you win or lose.
- A rolling reserve, which is not a fee but holds back part of your sales for a set period.
Ask for a full fee schedule, including reserve terms, before you sign. Our guide to card processing fees explains each part, and the ISA fee guide covers cross-border assessments.
How approval works
- Tell us about your business: what you sell, where your customers are, your monthly volume and your processing history.
- Send your documents: company registration, ID and proof of address for directors and owners, bank statements, licences where your industry needs them, and processing statements if you have them. See the full requirements checklist.
- Website review: the acquirer checks your terms, refund policy, contact details, pricing and checkout. Our guide to website requirements shows what they look for.
- Underwriting and scheme registration: the acquirer assesses the risk, sets the reserve and registers you with the card schemes where your category requires it.
- Integration and go-live: you connect your checkout and start processing.
How long does it take? At Fasto, approval typically takes two to three weeks. The biggest factor is how complete your documents are when you apply. Be careful with providers promising instant approval for high-risk businesses: read why in our guide to instant approval payment gateways.
How to keep your merchant account
Getting approved is only the start. Acquirers watch your fraud and dispute numbers every month, and so do the card schemes. Under Visa's VAMP programme, a merchant in Europe, the UK, the US, Canada or Asia Pacific is identified as Excessive at a ratio of 1.5% or more, with at least 1,500 fraud reports and disputes in a month. Acquirers are measured on their whole portfolio from 0.5%, so they often act well before you reach that level.
- Keep chargebacks low with clear descriptors, easy refunds and pre-dispute tools. See how to prevent chargebacks.
- Use 3D Secure and fraud screening on card-not-present payments.
- Tell your provider before you add products, markets or big campaigns.
- Never describe your business as something else to get approved. Miscoding can end with a closed account and a place on the MATCH list.
Merchant account, payment gateway and PSP: what's the difference?
| Term | What it is |
|---|---|
| Merchant account | Your agreement with an acquirer to accept and receive card payments. |
| Payment gateway | The technology that takes card details at checkout and sends them for authorisation. |
| Payment service provider (PSP) | A licensed company that provides payment services, often bundling the merchant account, gateway and payment methods. |
Most merchants need all three working together, and getting them from one provider means one onboarding and one contract.
Guides for high-risk merchants
Fasto works with adult, subscription, nutraceutical, gaming, dating and hospitality merchants.
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