October 19, 2021

HRMA LLC stands for High Risk Merchant Account LLC, so it should come as no surprise that this company specializes in offering high-risk merchant accounts. This specialization allows it to offer a vast range of services and dramatically increase your chances of approval for an account. The team behind HRMA LLC also has decades of experience offering their services.

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

With its high-risk merchant accounts, HRMA LLC strives to offer high-risk credit card processing, e-check processing, and ACH processing to companies that can’t easily get payment processing from other companies.

The services for each account are customized based on your needs. The team at HRMA LLC evaluates each client company’s situation before offering expert advice based on their current business and goals. They have the ability to offer high-risk credit card processing and other services thanks to the diversity of merchant acquirers they partner with.

High-volume Merchant Accounts

In addition to high-risk merchant accounts, HRMA LLC also offers payment processing for high-volume merchants. This includes high tickets and high volumes.


E-commerce Merchant Accounts

E-commerce merchant accounts are a specific type of high-risk merchant account. They are typically high risk because the card is not present for the transaction.

HRMA LLC Services

From payment processing to payment gateways, explore some of the services that High Risk Merchant Account LLC offers.

Payment Processing

One of the primary services from the company is high-risk credit card processing and other types of high-risk payment processing. This includes e-checks and ACH transfers.

High-risk ACH processing, for example, lets you directly bill the checking account of a customer. You can use this processing with your CRM software, a custom API integration, batch processing, or a virtual terminal. The solutions also support recurring payments.

Payment Gateways

Those in search of a payment gateway will find it with HRMA LLC. That payment gateway is fully featured, so you will have everything you need.

Mobile Solutions

You can take advantage of the HRMA LLC services using an Android or iOS smartphone.


CRM Integrations

The solutions from High Risk Merchant Account LLC integrate seamlessly with the most popular customer relationship management software, making installation easy.

Hrma LLC services

Virtual Terminals

Virtual terminals give you the flexibility to take advantage of high-risk merchant accounts and payment processing from anywhere.

Point-of-sale Systems

If you need a physical point-of-sale system for your store or to process credit cards, HRMA LLC can provide this as well.

Recurring Billing

You can set up recurring billing with your high-risk credit card processing.

Chargeback Alerts

These alerts help you stay on top of chargebacks. This service stops chargebacks before they happen. It can potentially reduce your chargebacks by up to 40 to 50%.

The system works thanks to real-time communication between merchants and issuing banks. As the merchant, you get 24 hours of notice for fraud-related chargebacks and 72-hour notice for chargebacks related to products or services. You can use this time to stop the chargeback.


For example, you can cancel the service, give the customer a refund (full or partial), cancel shipments, or even blacklist the customer. Avoiding chargebacks is important, as it affects your rates for services like payment processing and your overall reputation.

Essentially, this service reduces your chargeback fees and protects your chargeback ratio. At the same time, you get to improve your customer relationships.

Customer Processing

The customer processing services from HRMA LLC include invoicing, managing customers, and listing.


As is typical for the industry, High Risk Merchant Account LLC does not list its rates on its website. The company customizes the rates based on your company’s unique needs.

However, the company offers a guarantee of honesty, transparency, and accountability, so you can rest easy knowing that there are no hidden fees.

No Application Fee

There is no fee to apply to open an account with High Risk Merchant Account LLC.

No Setup Fees

There are also no fees for the setup process.

High-risk Industries HRMA LLC Serves

Hrma LLC logoIts specialization in high-risk merchant accounts means that HRMA LLC gladly serves a long list of industries that are typically considered high risk. It is also worth noting that you don’t have to be a high-risk merchant to work with the company. They also offer payment processing for low- or mid-risk companies.

Just some of the industries that HRMA LLC gladly serves include:

    • Travel agents
    • Life coaches
    • Tech support
    • CBD
    • Cannabis
    • Cigar online sales
    • Vapes and e-cigarettes
    • Firearms
    • Head shops
    • Fantasy sports
    • Furniture
    • Hookah sales and lounges
    • Continuity offers featuring auto ship
    • Debt collection
    • Coin dealers
    • Business opportunities
    • Nutraceuticals
    • Timeshares
    • Travel clubs
    • Tour operators
    • Moving
    • Magazines
    • Vacation club memberships
    • Auto warranties
    • Retail
    • E-commerce
    • Credit repair and restoration
    • Debt reduction
    • Loan modification
    • MLMs
    • Payday lending
    • Student debt relief
    • Student loan document preparation
    • Telemarketing
    • Ticket brokers
    • Document preparation
    • Local SEO and SEM consultants
    • High-volume merchants


Other Notable Features on HRMA LLC High-risk Merchant Accounts

In addition to the services and features of HRMA LLC already mentioned, there are some other important features that you will appreciate knowing as you consider whether to use their services.

Quick Turnaround Time for Approvals

HRMA LLC typically has a turnaround time of just three to five business days. Depending on your business and the circumstances, you may even be approved the same day.

Dedicated Account Managers

The dedicated account managers from HRMA LLC have decades of experience that they use to assist their customers.

Fraud Prevention and Detection

HRMA LLC uses the leading tools for fraud detection and prevention in the industry.

Commitment to 100% Satisfaction

HRMA LLC always aims to deliver 100% customer satisfaction. This means that you can always expect friendly, helpful, and knowledgeable customer service.

Vast Integration

HRMA LLC also offers high-risk credit card processing that integrates with all of the major gateways and shopping carts.

Support for Multiple Currencies

The high-risk merchant account services also let you accept multiple currencies, helping you more easily attract a wider base of customers.

Batch Uploads

The inclusion of batch uploads makes ensuring your records are up to date a breeze.

Transaction Reporting

These reports are great summaries for your records and provide insights into your customers’ preferences.

HRMA LLC Reputation and Reviews

HRMA LLC has a strong reputation, both from customers and from third-party review sites. For example, its rating on Facebook at the time of writing is 5 stars. It also has a 5-star rating on SiteJabber and an average of 3.4 on TrustPilot. Customers praise the team’s friendliness and expert insights. They also praise the setup process and training.


Between its strong reputation and range of services for high-risk merchant accounts, it is worth considering working with HRMA LLC. This will also let you take advantage of their team’s decades of experience. Most importantly, they will help you expand your payment options, attracting customers and boosting the average order value.

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  1. Great review of High Risk Merchant Account LLC


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