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