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For every 1 ethical and reliable high risk processor, there are about 325 unethical ones that are just waiting to take advantage of you. Most high risk processors want some sort of reserve so they can cover their own behind should you close up shop, get a crazy amount of chargebacks or commit some sort of fraud. Maybe your industry is known for having a high instance of chargebacks or fraud. They don’t want to deal with any business that may pose a bigger threat of losing them money, so they avoid those business types altogether.
And, since you are in fact stuck between that rock and that hard place, your judgement might be a bit cloudy. Make sure you check for termination fees and other incidentals as well. What you need to do is find a provider that is willing to work with your business type, that is willing to give you fair rates and that doesn’t forget about you as soon as you sign up.
Have you already been turned down by a few credit card processors?
Did they tell you that you’re deemed a “high-risk merchant? Luckily there are plenty of high risk merchant account providers that specialize in exactly what you need.
He founded Merchant Maverick out of frustration with all the misinformation and shady tactics that he encountered when trying to find a merchant account for his and his client's businesses.I want to find a Merchant that can interface with my e-commerce Shopify, through a payment gateway they accept like (Here is a list from Shopify of who they accept, and they may be open to working with others not on the list: https://help.shopify.com/manual/payments/third-party-providers/list-of-direct-and-external-providers) 2.I also plan on selling prints of my artwork – do you think I should put such products on my website before I apply to somewhere else, so I just don’t have services that they have a problem with?Hi Zanne, Durango is going to be your best option for high risk business.