High risk payment processing

Take the risk out of selecting a high-risk payment processor with FLEX Payment Solutions

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What Is a High-Risk Merchant Account?

Are you running a high-risk business and wondering how you can easily be able to accept credit or debit cards and electronic payments without any limitations?

At FLEX Payment Solutions, we are experts at handling high-risk payment processing needs and can offer your enterprise, regardless of its size, a lasting solution with our high-risk merchant accounts. Get started today and let your customers enjoy the ease of making debit and credit card payments, regardless of whether they are shopping in-person or online.

A high-risk merchant account is a specially designed payment solution that enables businesses in high-risk industries to accept card and electronic payments. Unlike standard or low-risk accounts, these accounts factor in the financial risks that high-risk businesses face, especially susceptibility to fraud and chargebacks, and how they can be minimized.

Fundamentally, a high-risk merchant account provider fills the gap that mainstream financial institutions consider too risky to work with. Luckily, with FLEX Payment Solutions, you have a tried, tested, and proven solution that will make running your business a breeze.

Does My Business Need a High-Risk Payment Processor?

There is no central framework that all banks and credit card processors use to determine whether you are a high-risk or low-risk business. However, several verticals are commonly considered high risk, and most payment processors will refrain from doing business with such businesses or industries.

Typically, your business falls into a high-risk category if it faces the following challenges:

High Risk of Fraud

If your industry or niche has high fraud levels, payment processing companies will naturally consider you high-risk and avoid conducting business with you.



High or Irregular Transactions

If your business often receives high or irregular transactions, most payment processors automatically flag your account as high risk.

History of Payment Processing Violations

An industry or niche with a record of payment processing violations will be considered high risk by most payment processors.

Risks of Excessive Chargebacks

While it is normal for e-commerce stores to have chargeback requests if your industry or niche experiences excessive chargebacks, you are a high-risk business type.


Recurring Expenses

Receiving many recurring payments will never look good for your business, as payment processing companies often flag such transactions as fraud.

Newly Established Niche

It is common for emerging industries and niches to be considered high-risk until there is assurance that they can be categorized as low-risk businesses. Equally, businesses with low credit scores or poor payment processing history are also often considered high risk.

Trade of Highly Regulated Products or Services

If you trade highly regulated products such as CBD (Cannabidiol), e-cigarettes, vaping products, adult products/services, firearms, supplements, or debt collection, your business will be considered high risk.

International Payments

If your business gets payments from lots of different currencies, it is best to consider using high-risk merchant accounts before you start experiencing problems with your existing payment processing company.

Why Opt for Our High-Risk Merchant Accounts

Even with so many high-risk payment processors in the market, Flex Payment Solutions remains dedicated to providing high-risk businesses with simple yet practical solutions that can be trusted. By choosing our high-risk merchant services, you are choosing a partner that will provide you with the following:

Your Own High-Risk Merchant Account

With us, you will enjoy having your own high-risk merchant account, which translates to fewer risks for your business and customers.

Broad Range of Third-Party Payment Gateways

We have partnered with a broad range of third-party payment gateway providers so you can have the freedom of choosing your high-risk payment gateway for safer and faster credit card processing.

Low Industry Rates

Unlike most high-risk merchant account providers, we offer competitive pricing for our payment processing solutions. With us, you do not have to pay high account fees as we know the challenges of running a business and are invested in being the partner you can count on for all your payment processing needs.

Direct High-Risk Payment Processor

Say goodbye to relying on middlemen for your payment processing needs when you can have a high-risk account that you can always rely on for all your transactions.

Quick and Simple Onboarding

We have a quick and simple application and onboarding process for our high-risk merchant account to ensure you are ready to accept payments as quickly as possible.

Top-Notch Support

We provide excellent customer service as we take your satisfaction seriously and will always be within reach whenever you need us, 7 days a week, all year.

Hardware and Virtual Card Terminal

Whether you run an online store or have a physical business, our high-risk accounts will always be handy. This is because, with these accounts, you can easily accept credit and debit cards as well as electronic payments.

Multi-Currency Processing

Our high-risk credit card processing account will allow you to accept online payments in different currencies without challenges.

Let Us Solve Your High-Risk Payment Processing Needs

It is no secret that high-risk merchants face many challenges whenever they want to accept credit cards or electronic payments from their customers. Luckily for you, with our high-risk merchant account, you can put all this trouble behind you and focus on running a profitable business.

Let FLEX handle your high-risk payment processing

Contact us today and learn how we can help you get started.
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