High Risk Merchant Account at HighRiskPay.com information please?
- Thread starter Kim-OTC
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MID - Merchant Identification Number og Merchant ID !
Well written article and lot's of useful information, we should link to the list of tons of high risk processors at the mentor group gold link below.
https://www.offshorecorptalk.com/th...-risk-payment-processor-check-the-list.39138/
Well written article and lot's of useful information, we should link to the list of tons of high risk processors at the mentor group gold link below.
https://www.offshorecorptalk.com/th...-risk-payment-processor-check-the-list.39138/
About two years ago, I started a niche subscription based business offering digital resources and templates for independent therapists and life coaches. It’s a pretty specific market, but it grew faster than I expected, we now have over 800 active subscribers across the EU, UK, and parts of Asia.
Until now, we’ve relied on crypto and manual invoicing, which worked okay in the early days. But it’s been clear for a while that we needed proper card processing to scale and serve a broader market. After researching a bunch of options, I decided to apply with HighRiskPay.com about two weeks ago.
The initial process was︀ smooth. Their team responded within 48 hours, asked for standard documentation (KYC, company formation docs,︁ website review, etc.), and by the end of the week, our business was preapproved for︂ card processing.
Right now, we’re in the final stages. They’ve raised a few questions about︃ our refund policy and chargeback handling procedures, which I’m currently updating on the site and︄ documenting properly. Nothing major, mostly just tightening up loose ends.
So far, I’ve been happy︅ with their support. Communication has been professional, and they seem genuinely willing to help us︆ get fully compliant without unnecessary friction. Fingers crossed we’ll be live next week.
If you’re︇ in a niche space like mine and considered “gray area” by mainstream providers, HighRiskPay seems︈ like a solid way forward. I’ll keep you posted once we go live.
Until now, we’ve relied on crypto and manual invoicing, which worked okay in the early days. But it’s been clear for a while that we needed proper card processing to scale and serve a broader market. After researching a bunch of options, I decided to apply with HighRiskPay.com about two weeks ago.
The initial process was︀ smooth. Their team responded within 48 hours, asked for standard documentation (KYC, company formation docs,︁ website review, etc.), and by the end of the week, our business was preapproved for︂ card processing.
Right now, we’re in the final stages. They’ve raised a few questions about︃ our refund policy and chargeback handling procedures, which I’m currently updating on the site and︄ documenting properly. Nothing major, mostly just tightening up loose ends.
So far, I’ve been happy︅ with their support. Communication has been professional, and they seem genuinely willing to help us︆ get fully compliant without unnecessary friction. Fingers crossed we’ll be live next week.
If you’re︇ in a niche space like mine and considered “gray area” by mainstream providers, HighRiskPay seems︈ like a solid way forward. I’ll keep you posted once we go live.
I actually looked into HighRiskPay.com a while back when researching options for high risk merchant accounts, especially for industries like adult, nutraceuticals, and digital services.
From what I found, they do seem to specialize in helping US based businesses that are considered high risk by traditional processors.
One advantage is that they claim to work with offshore and startup merchants as well, though I’d recommend double checking the fine print on that.
Their setup process seemed relatively quick, but I can't speak to the actual experience since I didn’t end up going with them.
If you're comparing providers for a high risk merchant account, it︀ might be worth reaching out to see what kind of underwriting and reserve terms they︁ offer.
In my case, I ended up choosing a provider that allowed crypto processing and︂ didn’t require a rolling reserve, which HighRiskPay didn’t offer at the time.
Anyone here used︃ them recently and can share feedback?
From what I found, they do seem to specialize in helping US based businesses that are considered high risk by traditional processors.
One advantage is that they claim to work with offshore and startup merchants as well, though I’d recommend double checking the fine print on that.
Their setup process seemed relatively quick, but I can't speak to the actual experience since I didn’t end up going with them.
If you're comparing providers for a high risk merchant account, it︀ might be worth reaching out to see what kind of underwriting and reserve terms they︁ offer.
In my case, I ended up choosing a provider that allowed crypto processing and︂ didn’t require a rolling reserve, which HighRiskPay didn’t offer at the time.
Anyone here used︃ them recently and can share feedback?
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: some︀ reviews mentioned that the fees can be on the higher end, which is pretty common︁ 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 and︂ how they handle compliance or chargeback issues.
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: some︀ reviews mentioned that the fees can be on the higher end, which is pretty common︁ 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 and︂ how they handle compliance or chargeback issues.
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!
- 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!
they have very easy onboarding of new business. I have started with them yesterday, the approval process, looks very good so far,
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:
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.
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.
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.
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.
You’re very welcome, I’m glad you took the time to read my post and found it useful. I’ll make sure to keep this thread updated with anything new I come across.
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