High Risk Merchant Account

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If you are turned down as a possible "high risk" merchant, you might want to try our High Risk Merchant Account Provider.

Possible Acceptable High Risk Accounts

The list below contains businesses that might be considered high risk by some merchant account providers.  If you have been denied a merchant account due to your business model, you might be approved by our High Risk Merchant Account Provider.


  • Travel Services
  • Multi-Currencies
  • High Average Tickets
  • Credit / Debt Collections
  • Poor Credit
  • Electronics
  • Mail Order
  • Telephone Order
  • High Risk
  • High Volume
  • Timeshares
  • Real Estate
  • Herbal Supplements
  • Financial Consulting
  • Telemarketing
  • Dating Websites
  • EBook Downloads
  • Software Downloads
  • SEO Services
  • Event Tickets
  • Prepaid Debit Cards
  • Prepaid Debit Cards
  • Calling Cards
  • VOIP Services
  • Telecommunications
  • MLM Marketing
  • Direct Selling
  • Business Opportunities
  • FFL Dealers
  • Annual Contracts
  • Magazine Sales
  • Vacation Rentals

Unfortunately, the costs of the merchant account for these services is on a case by case basis, varying by the merchant's credit history, chargeback history, and the type of sales. We work with over 25 banks worldwide to get you the best deal possible. Once you submit your application for a high risk merchant account, an account representative will contact you regarding rates, pay-outs, and if applicable - a deposit or some type of withholding.

Some business models might be approved by CDGCommerce - we recommend you consider signing up with them first and then if you are denied, complete the pre-application for a high risk merchant account.

Unacceptable Business Models

The list below is not inclusive, and other business models might be declined:

  • Child Pornography
  • "Replica" Products
  • Age Verification
  • Any Product / Service considered Illegal
  • Charities through Outbound Telemarketing
  • Drug Paraphernalia
  • Pyramid Marketing / Ponzi Schemes

Countries that we might not be able to approve (not inclusive):

  • Afghanistan
  • Albania
  • Angola
  • Antarctica
  • Bosnia
  • Cameroon
  • Central African Republic
  • Croatia
  • Cuba
  • Ethiopia
  • Georgia
  • India
  • Indonesia
  • Iran
  • Iraq
  • Libya
  • Macedonia
  • Malaysia
  • Nigeria
  • North Korea
  • Pakistan
  • Romania
  • Sudan
  • Syria
  • Russian Federation
  • Ukraine
  • Yugoslavia

Apply for a High Risk Merchant Account

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