High Risk Processor Review

August 20, 2022

High-Risk Processor has been in business since 1995, carrying with it decades of experience in payment processing. It has an extensive network of over 25 partners in the fields of domestic banking, offshore banking, card processing, check processing, and ACH processing. This allows it to cater to businesses with different payment methods. The company’s services are available to all types of industries.

For more information on High-Risk Processor, below is a complete review of its merchant account services and rates.

image of high risk processor logo


Overview of High-risk Merchant Accounts and High-risk Credit Card Processing

As evident in its company name, High-Risk Processor specializes in high-risk merchants. It provides these businesses with high-risk merchant accounts for their credit card processing needs. It also provides solutions for ACH and checks payments. Businesses can open multiple merchant accounts with no volume limits.

Application is quick and seamless. A form is available online, after which the company will customize services and rates for your business needs. The approval process usually takes three to four days. However, submitting a form will not obligate you to continue with the company. You can simply request a proposal before making your decision.


Services Offered by High-Risk Processor

Below is a list of High-Risk Processor’s services, as seen on its website.

Credit Card Processing

image of high risk processor credit card processing

High-Risk Processor allows merchants to accept credit card payments from major networks, such as:

  • Visa
  • MasterCard
  • American Express
  • Diners Club

  • Discover
  • JCB International
  • China UnionPay

ACH and Check Processing

The company also allows merchants to accept check payments from their customers via phone or online. The Automated Clearing House (ACH) network streamlines the entire billing process. That said, merchants can expect funding from check payments within 48 hours.

Payment Software and Terminals

High-Risk Processor provides merchants with the necessary software and terminals needed to process payments. As mentioned on its FAQ page, merchants can either rent or buy them from the company. This is worth noting, as some competitors offer these for free. The payment technology offered includes:

  • Merchant Master Software to be installed on your computer
  • For retail merchants: swipe terminals
  • For eCommerce merchants: e-processing network
  • For mail order/telephone order merchants: Macintosh and DOS systems

eCommerce Merchant Accounts

image of e commerce merchant account

For eCommerce businesses, the above-mentioned payment methods will be integrated into your shopping cart through the company’s E-Processing Network. However, there is no mention of which shopping carts are compatible with the company’s system. Instead, it asks merchants to directly contact them to find out.

International Merchant Accounts

High-Risk Processor offers international merchant accounts to businesses operating globally. They can accept payments in over 160 currencies, including USD, Euros, British pounds, and more.

3D Secure Processing

The company gives merchants the option to include 3D secure processing. This ensures the safe and secure processing of credit card transactions. It is particularly helpful for high-risk merchants prone to fraudulent activities.


Check Recovery

Bounced checks are a common occurrence among businesses, especially those in high-risk industries. As a solution, High Risk Processor provides check recovery services. Merchants can recover payments from bounced checks up to six months old. The company will handle the entire processing, which saves merchants from the hassle of calling up customers.

24/7 Customer Service

The company provides 24/7 customer service for merchants. You may reach out for technical issues, payment questions, and the like.

image of high risk processor customer service

Rates of High-Risk Processor

High-Risk Processor does not mention its pricing scheme online, similar to many other high-risk merchant account companies. It prefers to provide customized rates depending on the merchant’s business type and needs. However, it goes on to mention its promise of cost-effective and competitive rates.


High-risk Industries Served by High-Risk Processor

As mentioned on its website, High-Risk Processor is open to working with many high-risk industries, including the following.

  • Adult Toys and DVDs
  • Adult Membership Sites
  • Adult Content Sales
  • Airline Tickets and Other Ticket Sales
  • Anti-aging Clinics
  • Bail Bonds
  • Check Cashing Companies
  • Continuity Business Sales
  • Credit Collections
  • Credit Repair
  • Detective Service Companies
  • Digital Download Merchants
  • Direct Marketing
  • Electronic Book Sales
  • Electronic Cigarettes
  • Financial Planning or Consulting
  • Firearm and Gun Sales
  • Free Trial Sales
  • Herbal Supplements and Viagra Sales
  • Hair Restoration Medical Clinics

  • Inbound Telesales and Outbound Telemarketing
  • Infomercials
  • Jewelry Sales
  • Massage Parlors
  • Membership Clubs
  • Membership Services
  • Multi-level Marketing (MLM) Companies
  • Online Dating Websites
  • Pawn Shops
  • Penny Auction Websites
  • Rare Coin Sales
  • Real Estate Seminars
  • Sports Forecasting or Consulting Websites
  • Stock Trading Seminars
  • Subscription Services
  • Telecommunication Companies
  • Timeshare Companies
  • Travel Companies
  • Water Filtration Systems
  • Weight Loss Centers

image of high risk ndustries

In addition to the specific industries mentioned above, High-Risk Processor encourages other high-risk industries to seek its services, as it has a 99% approval rate. It mentions the following general categories that are often considered high-risk by traditional banks and processors.

  • Bad Credit Merchant Account
  • Companies in the Terminated Match File (TMF) or Match List
  • Companies With High Chargebacks
  • eCommerce Companies in All Types of Industries
  • Mail Order/Telephone Order (MOTO) Companies

  • High-ticket Merchant Accounts
  • High-volume Merchant Accounts
  • International Merchant Accounts
  • Recurring Billing Merchant Accounts


Other Notable Features of High-Risk Processor’s High-risk Merchant Accounts

High-Risk Processor offers limited information on its topline services for merchants. However, it does highlight specific solutions for the following industries.

Tobacco Merchant Accounts

The company offers special high-risk merchant accounts for tobacco companies. This includes credit card and checks processing services that are compliant with NACHA guidelines. Multi-currency payments are accepted as well. Low rates and fast funding are guaranteed.

Online Apparel Merchant Accounts

Merchant accounts are available for businesses selling online apparel like clothing, footwear, accessories, jewelry, and bags. The company will set up a system to accept credit cards and check payments through a website, phone, or mail. This service extends to international customers paying in different currencies.

Credit Repair Merchant Accounts

image of credit repair merchant account

Apart from the usual merchant services offered above, High-Risk Processor highlights real-time transactions as a benefit for credit repair companies. It also mentions a virtual terminal for multiple users to accept phone and mail payments.

Continuity and Subscription Merchant Accounts

High-Risk Processor offers recurring billing schemes for subscription businesses. The company has a partnership with NMI payment gateway, which allows merchants to process payments based on a scheduled collection. Moreover, it offers chargeback prevention tools to protect the merchant in such cases.

Adult Merchant Accounts

The company claims to have a long track record with companies in the adult industry. They can avail of the payment processing services mentioned above. However, the company does not work with businesses offering adult themes like incest, bestiality, child pornography, hypnosis, and violence.

These are just some of the many dedicated merchant accounts High-Risk Processor offers. For a more detailed list of services per industry, you can visit the website.


Reputation and Reviews of High-Risk Processor

image of high risk processor customer reviews

High-Risk Processor does not have any rating from Google or other independent review sites. Its website does not include merchant testimonials either. That said, its main source of credibility is its 25 years of experience in the industry.



High-Risk Processor aims to help all types of industries with their payment processing needs. Although it is backed by decades of experience, its website contains limited information on the exact services it offers. It is best to contact the company directly to discuss how it can help your business.

  • 0
  • Share:

Leave A Comment

You must be logged in to post a comment.