High Risk Merchant Account at HighRiskPay.com information please?

[AlicaFunk]

We’ve been exploring different options for high risk merchant accounts for a pharmacy related business, and HighRiskPay.com came up during our research.

They do seem to target industries that traditional banks avoid, including online pharmacies and supplement sellers.
One thing I noticed is that they mention quick approval and high approval rates, but it’s hard to tell how that plays out in reality, especially when dealing with regulated products or cross-border transactions.

From what I understand, their focus is primarily on US merchants, so if you're operating internationally or need multi-currency processing, you might want to clarify that with them directly.

Also worth noting: some reviews mentioned that the fees can be on the higher end, which is pretty common in the high risk space, but still something to consider depending on your margins.

Would definitely be interested in hearing if anyone in the pharmacy space has used them and how they handle compliance or chargeback issues.

 

[spitfire007]

Hi, would like︃ to help here. Can you please provide your feedback on the following:
- industry
- do you need routing, retries across mids, multiple mids
- your F2S ratio if you︄ know it
- your monthly revenue in USD
- your target GEOs

Thanks!

 

[spitfire007]

Hi, would like to help here. Can you please provide your feedback on the following:
- industry
- do you need routing, retries across mids, multiple mids
- your F2S ratio if you know it
- your monthly revenue in USD
- your target GEOs

Thanks!

 

[yami952]

Hello, does anyone know of a payment platform that accepts counterfeits? I have an online‌ store and I'm about to be banned by Stripe. It's super hard to find.

 

[yami952]

Hello, does anyone know of a payment platform that accepts counterfeits? I have an online store and I'm about to be banned by Stripe. It's super hard to find.

 

[alley]

I send‍ you a DM with additional information for pharmacy with 2 processors I'm looking into, maybe⁠ you have better or more luck than me.

 

[alley]

I send you a DM with additional information for pharmacy with 2 processors I'm looking into, maybe you have better or more luck than me.

 

[Houdini]

use stripe cloaking solution from @MichaelUniq or some of the others⁠ around OCT!

 

[Houdini]

use stripe cloaking solution from @MichaelUniq or some of the others around OCT!

 

[MaltaNomad]

they have very easy onboarding of new business. I have⁤ started with them yesterday, the approval process, looks very good so far,

 

[MaltaNomad]

they have very easy onboarding of new business. I have started with them yesterday, the approval process, looks very good so far,

 

[royclark1]

Great finding, very helpful, thanks.

 

[EliasIT]

please let us‍ know how it is going now.

 

[EliasIT]

please let us know how it is going now.

 

[happyjohn]

I've been using Epoch for many⁠ years for some adult-related projects. It's worked flawlessly the entire time, with only a few⁤ support issues, all of which were resolved quickly by their team.

 

[happyjohn]

I've been using Epoch for many years for some adult-related projects. It's worked flawlessly the entire time, with only a few support issues, all of which were resolved quickly by their team.

 

[uplana]

Hey guys, just wanted to chime in with my experience dealing with a bunch of‌ these so-called "high-risk" processors over the past few years. I've run several businesses that fall‍ under the high-risk category, and yeah, it's been a wild ride, to say the least.⁠

First off, I used to run a CBD dropshipping store targeting EU and UK customers.⁤ That was my intro into the high-risk world. PayPal shut us down within weeks, Stripe⁣ followed shortly after, and I quickly realized I’d need to start dealing with offshore processors.⁢ I tried a few HighRiskPay, EasyMerchant, and even some lesser-known Eastern European outfits. Initially, they︀ were happy to board me, but the second they saw chargebacks spike just a bit︁ (nothing crazy, around 1.5%), I got either frozen funds or full termination. One processor held︂ on to nearly $18K for six months, and there was nothing I could do.

After that, I pivoted to running a digital marketing agency that focused on adult traffic arbitrage,︃ basically buying and flipping adult traffic using smartlink offers. That one was even worse in︄ terms of merchant acceptance. A few providers told me upfront: "We don’t touch adult with︅ a 10-foot pole." Fair enough. But a few others accepted me, only to flag transactions︆ randomly, delay payouts, and demand insane levels of KYC, including client contracts, screenshots, ad creatives,︇ and even explanations for every payout request. Felt more like a police interrogation than a︈ business relationship.

Then there was the online supplement brand I launched last year, custom-formulated nootropics︉ shipped worldwide. Huge margins, great demand, but again, nightmare on the processing front. I tried︊ integrating a couple crypto gateways to bypass the headaches, but many customers didn’t want to︋ touch crypto. I ended up using a high-risk processor in Hong Kong - seemed solid︌ at first, but one day, poof - their domain went offline, and support stopped replying.︍ Lost around $6K in transit.

All in all, I’ve probably tested 8 or 9 different︎ high-risk processors across 3–4 business models. What I’ve learned is:

• They’ll say "yes" quick, but️ read the contract, especially about rolling reserves, settlement terms, and termination clauses.
  
• Always assume delays‌ in payouts, build that into your cash flow.
  
• Don’t rely on a single processor. Always‍ have a backup ready, even if it’s just crypto or manual invoices.
  
• And lastly, support⁠ is everything. If they don’t reply fast during onboarding, don’t expect them to reply when⁤ real trouble hits.
  

Right now, I’m using a mix of a crypto gateway and a⁣ semi-legit offshore provider with weekly settlements, so far, so good, but I’m always looking for⁢ more stable options.

Would love to hear if anyone’s had a solid long-term experience with︀ HighRiskPay.com or similar. I'm still on the hunt for something that doesn’t feel like walking︁ a tightrope every week.

 

[uplana]

Hey guys, just wanted to chime in with my experience dealing with a bunch of these so-called "high-risk" processors over the past few years. I've run several businesses that fall under the high-risk category, and yeah, it's been a wild ride, to say the least.

First off, I used to run a CBD dropshipping store targeting EU and UK customers. That was my intro into the high-risk world. PayPal shut us down within weeks, Stripe followed shortly after, and I quickly realized I’d need to start dealing with offshore processors. I tried a few HighRiskPay, EasyMerchant, and even some lesser-known Eastern European outfits. Initially, they were happy to board me, but the second they saw chargebacks spike just a bit (nothing crazy, around 1.5%), I got either frozen funds or full termination. One processor held on to nearly $18K for six months, and there was nothing I could do.

After that, I pivoted to running a digital marketing agency that focused on adult traffic arbitrage, basically buying and flipping adult traffic using smartlink offers. That one was even worse in terms of merchant acceptance. A few providers told me upfront: "We don’t touch adult with a 10-foot pole." Fair enough. But a few others accepted me, only to flag transactions randomly, delay payouts, and demand insane levels of KYC, including client contracts, screenshots, ad creatives, and even explanations for every payout request. Felt more like a police interrogation than a business relationship.

Then there was the online supplement brand I launched last year, custom-formulated nootropics shipped worldwide. Huge margins, great demand, but again, nightmare on the processing front. I tried integrating a couple crypto gateways to bypass the headaches, but many customers didn’t want to touch crypto. I ended up using a high-risk processor in Hong Kong - seemed solid at first, but one day, poof - their domain went offline, and support stopped replying. Lost around $6K in transit.

All in all, I’ve probably tested 8 or 9 different high-risk processors across 3–4 business models. What I’ve learned is:

• They’ll say "yes" quick, but read the contract, especially about rolling reserves, settlement terms, and termination clauses.
  
• Always assume delays in payouts, build that into your cash flow.
  
• Don’t rely on a single processor. Always have a backup ready, even if it’s just crypto or manual invoices.
  
• And lastly, support is everything. If they don’t reply fast during onboarding, don’t expect them to reply when real trouble hits.
  

Right now, I’m using a mix of a crypto gateway and a semi-legit offshore provider with weekly settlements, so far, so good, but I’m always looking for more stable options.

Would love to hear if anyone’s had a solid long-term experience with HighRiskPay.com or similar. I'm still on the hunt for something that doesn’t feel like walking a tightrope every week.

 

[kokunut]

thanks @uplana for your real experience feedback.

 

[Houdini]

Are all of these brand new businesses you're mentioning, or are they existing online ventures‌ you've already been running and just applied with? They must be pretty high risk if‍ none of the mentioned processors are willing to let you run card payments across all⁠ of them.