High Risk Solutions Review

April 19, 2022

As its name suggests, High Risk Solutions specializes in high-risk merchant services. It has been in business since 1995, giving it decades of experience in payment processing and other solutions. According to its website, it claims to provide the best high-risk merchant account.

Below is an overview of merchant services offered by High Risk Solutions:

  • High-risk merchant accounts
  • Payment gateway
  • Virtual terminal and physical terminals
  • Credit card processing
  • ACH and e-check processing
  • Cryptocurrency processing
  • Multi-currency processing
  • E-commerce integrations
  • Fraud prevention

High Risk Solutions Merchant Services

  • High-Risk Merchant Accounts

High Risk Solutions’ primary service is setting up merchant accounts for high-risk companies. The company will help merchants apply for an account at an affordable fee. Once set up, merchants will have access to a wide variety of merchant services and payment solutions. This includes payment processing, e-commerce integrations, account management tools, and other payment tools and features.

The company supports a long list of high-risk industries like foreign exchange, medical marijuana, debt collections, strip clubs, firearms, and many more. It can also help businesses with offshore and international payments. A full list of high-risk industries is available on its website.

  • Payment Gateway and Terminals

Once a merchant account is set up, High Risk Solutions provides merchants with a payment gateway to accept and process payments. It also comes with a merchant control panel and a virtual terminal. They will enable merchants to access robust features like electronic invoicing, recurring billing, comprehensive reports, analytics, fraud prevention tools, and many more.

High Risk Solutions also works with retail establishments in need of in-store payment processing. It provides the necessary terminals, including countertop terminals and mobile card readers. Merchants can also opt for a wireless terminal using their tablet or smartphone.

High Risk Solutions merchant services

  • Payment Processing

High Risk Solutions accepts various payments like credit cards, ACH payments, e-checks,  e-wallets, and cryptocurrencies.  Credit card payments include MasterCard, Visa, American Express, Maestro, Discover, and JCB. It also supports foreign credit cards.

Gift cards, debit cards, and pre-paid cards are accepted as well. For alternative payment methods, merchants can accept payments from PayPal, Apple Pay, Samsung Pay, and cryptocurrencies.

High Risk Solutions also allows merchants to process multi-currency payments. This includes USD, EUR, CAD, and more. Keep in mind though that will depend on the processor integrations you use.

  • E-commerce Integrations

High Risk Solutions claims to be “100% compatible with all shopping carts and e-commerce services.” According to its website, it can integrate its payment gateway with over 150 shopping carts, like Shopify, WooCommerce, Magneto, and Weebly. Shopify comes with its own payment processor, which guarantees lower transaction rates.

For merchants without a Shopify platform, the company can integrate with their existing website. High Risk Solutions also provides QuickBooks integrations.

  • Fraud Prevention

All high-risk merchant accounts will have access to fraud prevention tools and features. These include reconciliation of statements, encryption best practices, check conversions, and daily monitoring of your account to avoid duplicate transactions, excessive returns, and multiple chargebacks.

High Risk Solutions Fees, Rates, and Pricing

Processing Fees –

Compared to other providers, High Risk Solutions provides a range of rates for certain industries. However, keep in mind that these rates are “as low as” figures. The exact rates will still depend on each merchant, its transaction volume, and other considerations.

  • High Risk Merchants: Starts at 2.39% plus $0.20 per transaction.
  • Online and MOTO Merchants: Starts at 0.39% plus $0.20 per transaction.
  • International Merchants: Starts at 2.39% plus $0.50 per transaction.

High Risk Solutions fees and rates

Additional Fees –


High Risk Solutions charges additional fees for its payment gateway and monthly services. This does not include terminal fees for retail merchants that the company does not provide online. It is also unclear whether the company charges an early termination fee.

  • Payment Gateway Fee: $10 + $0.10 per transaction.
  • Monthly Fee: Starts at $30.

Hidden Charges –

High Risk Solutions is a rare provider that publishes its rates online. Therefore, we assume it does not charge hidden fees. That said, it is still best to discuss this directly with the company.

High Risk Solutions Complaints

There don’t seem to be any negative reviews about High Risk Solutions.

  • Rip Off Reports – In that regard, there are currently no rip-off reports about the company.
  • Other Complaints – The same goes for all types of complaints or issues.
High Risk Solutions BBB Rating

High Risk Solutions is not an accredited company by the BBB.

BBB Reviews

It does not have any BBB reviews either.

Is High Risk Solutions Legitimate?

High Risk Solutions seems to be a legitimate company despite its limited online presence.  It was established in 1995, which gives it decades of industry experience. However, not much is known about its owners and history.

Its website includes a detailed list of its services, high-risk industries, and other knowledgeable blog posts. High Risk Solutions is currently based in Florida. You can find its contact details online.

  • Scams – There are no reports of scams or fraud about High Risk Solutions.
  • Lawsuits – Similarly, the company does not seem to be involved in any lawsuits.
High Risk Solutions Customer Reviews

As mentioned, High Risk Solutions seems to have almost no online reputation whatsoever. It may be due to its company name, which is a generic term commonly used to describe other companies in the industry.

That said, the lack of customer reviews is not automatically a bad sign. At the very least, interested merchants should stay cautious before signing with the company. We recommend directly contacting the company to discuss its services and rates in detail.


Overall, High Risk Solutions may be a good option for high-risk merchants solely based on its assortment of payment solutions. It provides payment processing for various industries and business models. It supports both traditional and alternative payment forms, as well as multi-currency payments.

It also has solutions for retail businesses. The company also provides transparent pricing, which merchants may appreciate. Although the company does not have any customer reviews, its decades-long experience may prove its expertise.

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