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Our merchant account services are ideal for merchants who are in the credit restoration industry. Most banks refuse credit repair companies. However we can help debt restoration, payday loan companies, collection companies get setup with an e-commerce merchant account / gateway and are looking for ways to:

 
 

Reduce credit card fees

 
 

Open a second account

 
  Add Echecks, multi-currency  

 

Get your FREE Cost Savings Analysis today

 
     
     
 
Accept credit cards and e-checks online with the only company solely focused on debt & credit repair merchant processing.

 
  Fast, easy approval  
  No Application fee  
  No Set-up free  
  Reduce Volume Caps  
  Home-based businesses welcomed
 
  Startup Companies Welcome  
  ACH Check Processing Available  
  Reduce Chargeback Rates  
  Domestic & Offshore Merchant Banking Solutions  
     
     
  MLM, travel, adult, pharmacy, dating, and ALL others high-risk accounts will be approved  
 

Best Rates and Terms

 
 

US and offshore banks

 
  No Volume Caps  
  No Application/Setup Fees  
 

If we can't approve your account, no one can

 
     
 
 
    Why Choose Us  
Debt and Credit Repair Merchant Companies
   
No application/No Setup fees
   
Low or No Volume caps
   
95% approval rates
   
Lowest rates/best terms
   
Startup Businesses & Companies Welcome
   
All fees disclosed up-front
   
No "Bait and Switch"
   
Top-rated customer support
   Testimonials  
 
   

 

What is high risk merchant account processing?

High risk merchant account processing refers to a specialized merchant account that is set up specifically for businesses of a high risk nature. Merchant account processing refers to a bank agreeing to process credit card payments in return for charging per-transaction fees (typically these fees are a percentage of each individual sale, and are no more than 1%-1%) and monthly service fees for a business. High risk refers to the financial risk that a business poses to the merchant account provider - the bank. Your typical store or restaurant does not usually pose any type of financial risk to a bank, beyond the normal risk of fraud and theft. High risk natured businesses include credit repair companies, financial services, attorney based foreclosure, high volume loan processing and loan modification, lower interest rates and restore your clients credit. These have risks of fraud and theft and chargebacks, but due to the nature of the credit restoration businesses the risks are even higher. High risk merchant account processing is available for high risk businesses that meet certain criteria.


How does high risk merchant account processing work?

Once the high risk merchant account processing account is set up, the high risk business is ready to process credit card payments. This is done with the use of credit card processing equipment. When a customer is ready to pay for their transaction, they hand their credit card to the merchant. The merchant swipes the card through the credit card processing equipment, enters in the transaction amount, confirms the transaction, and then submits it for authorization. The high risk merchant account processing account transmits the transaction to the issuing bank, where the transaction is authorized. The funds are then transferred through the high risk merchant account processing services to the merchant's bank. The entire process takes less than a minute, and the funds are available in the merchant's account in a few days, or in some instances, just a few hours.


How much does high risk merchant account processing cost?

The costs of high risk merchant account processing can vary. Upfront costs include an application fee, and sometimes a setup fee. We do not charge any application or setup fees! Depending on how risky the high risk business is, and the credit history of the business owner and operator that is applying for the high risk merchant account processing, there may be additional security deposits that will be required in order to approve the account. Once the account is ready for use, fees are limited to transaction charges, batch header fees, and monthly service charges.


How do I sign up for high risk merchant account processing?

You will need to get in touch with a merchant provider that offers high risk merchant account processing. You can find merchant providers at local banks, credit unions, and online.