If you’re finding it hard to get or keep a merchant account because your business is considered high-risk, don’t worry; we’ve got you covered. Many payment service providers offer special tools and features just for businesses like yours.
We’ll review some of the top payment providers for high-risk merchants and go over their features, pricing plans, and rates per transaction. Let’s start with a brief table chart to compare the prices and fees of each provider that made our cut.
| High-Risk Provider | Set up fees | UK fee per transaction | International transaction rate | Monthly fee |
|---|---|---|---|---|
| Shift4 | No set up fees | Not available on Shift4’s website | Not available on Shift4’s website | $29 |
| CCBill | Customised pricing plans | Customised pricing plans | Standard: 3.9% / High-Risk: 5.9% / Adult: between 10.8% to 14.5% | Standard: $55 / High-risk: $55 / Adult: Customised pricing plans |
| Verotel | No set up fee | / | Fixed rate of 15.5% | Basic plan: €500 annually for Visa/MC registration / Premium: Free for businesses that process a minimum €100 weekly |
| ccNetPay | / | Customised rates | Customised rates | Yearly rate for ccNetPay account: €98 Monthly rate for ccNetPay account: €20 Chargeback rate: €24 Additional yearly rate for 3D Secure: €49 |
| GSPAY | / | eCommerce businesses: 2.8% or higher Dating and adult services, gambling and travelling businesses: 4% or higher Systems for sharing different files and crypto: 4% or higher Downloads, Kratom, and CBD: 7% or higher Herbals: 4% or higher Forex: 5.5% or higher Pharmaceutical businesses and Replica: 8% or higher | Same as international rates | Customised subscription plans |
| Web-Merchant Services | Customised pricing plans | Customised pricing plans | Customised pricing plans | Customised pricing plans |
| Instabill.com | Customised pricing plans | Customised pricing plans | Customised pricing plans | Customised pricing plans |
| Epoch | Customised pricing plans | Check for different Tier processing rates | Check for different Tier processing rates | Customised pricing plans |
| Ikajo International | Customised pricing plans | Dating/Adult: 2.5% or higher / CBD: 2% or higher / Advertising: 2% or higher / Gambling: 3% or higher | Dating/Adult: 2.5% or higher / CBD: 2% or higher / Advertising: 2% or higher / Gambling: 3% or higher | Customised pricing plans |
| eMerchantBroker | No set up fees | Customised pricing plans | Customised pricing plans | Customised pricing plans |
Sections
1. Shift4 (former SecurionPay)
SecurionPay was acquitted by Shift4 in late 2022. Currently, the company has over 200.000 customers worldwide and offers over 500 payment integrations.
Shift4 offers both in-person and online payment solutions suitable for both regular and high-risk businesses that offer some of the following services:
- Hospitality (restaurants, hotels, bars, clubs, hotels, hostels, etc.)
- Travel and airline services
- E-commerce payments
- Retail shops
- Sports and Fitness
- NGOs
- Crypto
- Gaming and betting
- Entertainment
Shift4 In-Person Solutions
Here’s a list of Shift4’s in-person payment tools available for UK-based businesses:
SkyTab POS
The SkyTab electronic POS software is specifically tailored to meet the needs of restaurants of all sizes. It has plenty of valuable tools and features, such as:
- Mobile order and pay management tool
- Multiple tools for marketing management
- Tailor-made customer loyalty feature
- Pre-built integrations for online ordering
- QR code ordering and payment tool
- Gift cards and digital gifts for regular customers
- Regular payment reports and customer data analytics
- Booking and reservation management tool with an option to create waiting lists for customers
Businesses can customise the POS software and integrate multiple management tools to help them automate their employees’ daily tasks. Here’s a list of several third-party integrations for delivery and ordering, accounting, inventory, business, property and customer management:
- Uber Eats
- DoorDash
- Folos
- Takeout7
- Orca
- Craftable
- Yellow Dog Software
- Marketman
- Mailchimp
- Fisherman
- Opentable
- Shogo
- TipHaus
- Restaurant 365
- Ezee
- Opera 5
- Opera Cloud
- Innquest
Businesses that want to try out the POS software before subscribing to one of the monthly pricing plans can apply for a free demo on the company’s website.
SkyTab Mobile
SkyTab Mobile is a cloud-based software solution for payment processing that can be connected to the Shift4 POS software.
With SkyTab Mobile, businesses can:
- Take payments while on the move, at the table, or by the curb if customers place pickup orders
- Manage and track delivery orders via the order management tool
- Create unique QR codes and NFC for quick and touch-free orders and payments on the move
- Divide bills and include tips whenever a customer asks for this option
- Connect with an integrated printer that can create either electronic or printed receipts.
You can check out this educational video if you’d like to learn more about the SkyTab Mobile software.
Electronic POS Marketplace
Shift4’s Marketplace enables effortless integration of various business management applications directly with the POS software. The company offers integrations that can help businesses manage the following:
- Marketing
- Employees work schedules, sick leave, vacation days, etc.
- Inventory
- Online or telephone orders
- Delivery tracking
- Finances and accounting
- Multiple business venues
Contactless Payment
SkyTab offers a contactless payment option with a QR code. Businesses can put a unique QR code for their products and services at any location in their venue. This feature can be useful for hospitality businesses offering food and beverages, such as restaurants, food kiosks, bakeries, delis, fast food restaurants, etc.
Customers can quickly order and pay whenever they want by just scanning a unique QR code with their smartphone’s camera. When customers scan this code, the food or beverage menu pops up in their phone’s web browser. They can create a mobile order by selecting their preferred products and choose whether to pay online or in-person by card, digital wallet, or cash.
Here are several features of the QR code payment solution:
- Easy-to-use menu with a minimal design specifically created for Android and Apple mobile devices
- Quick and easy set-up, plus free technical support
- Free for Shift4 customers
- Fast and straightforward as orders are sent directly to the cash register system
- Customer management feature that automatically collects customer data
- Email management feature that allows businesses to build a marketing contact list
Business Intelligence
The business intelligence tool by Shift4 helps you make quick decisions by analysing your company’s data. It allows you to access automatic updates on your sales data in real-time. With this tool, you’ll be able to monitor and track your sales, including refunds and chargebacks from wherever you are.
The tool creates in-depth reports on transactions and spots ongoing sales patterns. Therefore, it can help you create a more advanced sales strategy by helping you learn more about what customers like to buy the most and how they prefer to pay. Additionally, you can mix your online and in-store sales data for a complete picture of your business’s sales.
Shift4 Online Solutions
In addition to the in-person software options, Shift4 offers online payment solutions with multiple tools, such as third-party apps and plenty of management features.
Tailor-Made Online Checkout
The customisable online checkout tool allows businesses to use their preferred payment methods that fit their specific business requirements.
Shift4’s user-friendly and straightforward payment system allows businesses to use automated billing solutions and process payments securely and quickly. Companies can manage customer subscriptions, order payments, and various types of memberships with the help of the online checkout tool.
Shift4 Online Checkout Features
Here’s a list of some of the online checkout tool’s main features:
- Billing options: Businesses can combine various billing approaches, like single payments, repeated billing, and charges based on repetitive payments. They can create a customised payment setup for regular customers.
- Increase sales revenue: This tool can help you improve your online checkout process, make online orders more accessible, and improve your daily sales revenue by decreasing the number of people leaving their carts before completing the checkout and paying for their orders.
- Multiple payment options: Shift4’s online checkout tool supports payments processed by credit and debit cards issued by UK-based and international banks, digital wallets such as Google, Samsung, and Apple, international payment services such as GiroPay or PayPal, and more. The online payment software supports over 100 payment options and recognises over 160 worldwide currencies.
- Streamlined payments: The transactions are instantly accepted and transferred to your business bank account via a quick, streamlined payment process.
- Fraud detection tools: With built-in machine learning, Shift4’s software can detect fraud quickly and safeguard your business against potential threats from third parties. When the software marks certain transactions as fraudulent, it automatically rejects them. Each time it recognises a fraudulent operation, the software automatically remembers it, which helps it prevent future suspicious attempts and enhances the business’ security measures.
Shift4 Prices and Fees
Shift4’s SkyTab POS software has a fixed price of $29 monthly for any business type. It comes equipped with the following tools and features:
- Loyalty management program
- Website creation tools
- Bookings and reservations management tool
- Tools for processing contactless payments
Shift4 doesn’t offer any information on the prices and fees of the other services and products on its main website. Anyone interested in receiving a customised pricing plan can submit their application by filling out the form on the official website.
2. CCBill
Launched in Tempe in 1998, CCBill is a US-based company that provides over 30.000 standard and high-risk eCommerce and in-person businesses worldwide with software payment solutions. Their services are available throughout Europe, the United States, and Asia-Pacific.
The company’s software is highly secure, instantly detects fraud, and comes equipped with multiple useful customer and staff management tools and features. All this makes it a suitable option for businesses with large teams, multiple venues, and many customers.
CCBill offers services for more than 90 different types of high-risk industries, including gambling, gaming, dating, adult services, and more. Their payment solutions can be tailored to meet the wants and needs of:
- Small businesses
- Solo eCommerce merchants
- Startups
- Mid-sized companies
- Large-sized businesses
- Enterprises
CCBill Features
The software can be customised with plenty of tools and features to meet the exact necessities of the subscribing company.
Here’s a list of the payment software’s main features:
PCI DSS compliant: CCBill’s software is compliant with the first level of the PCI DSS protocol, which means that it is protected with the highest level of security available for processing online payments.
Multiple merchant accounts: Businesses can create one or multiple merchant accounts. Once they subscribe to a CCBill’s plan, they will receive gateway account access.
Advanced API features: More experienced businesses that provide eCommerce services can get a customised subscription plan that will include an advanced API feature. This option is ideal for large-sized companies that would like to have control and monitor all of their transactions created worldwide.
Billing and payment support: CCBill offers billing and payment support 24/7, 365 days a year. The technical support team will assist their clients in over 288 worldwide spoken languages.
Regulatory feature: The software comes equipped with a feature specifically created to track regulatory adjustments and changes automatically.
Fraud detection: CCBill’s team consists of skilled experts who will monitor unsafe transactions and track the appearance of fraudulent behaviour. Additionally, the software is equipped with a tool for fraud detection that identifies malicious behaviour or irregular transactions.
3D Secure compliant: Besides being PCI compliant, the software is compliant with the international protocol for safe credit and debit card transactions known as 3D Secure. The software will ask each cardholder to verify their personal data twice to ensure the shared information is correct and not used for fraudulent transactions.
Low rates for processing: The company offers subscribers a very low rate for payment processing without any hidden rates and fees.
Blacklisting: Whenever the system detects a fraudulent transaction, the cardholder will be instantly blacklisted, and the software will not process any other transactions from the same card.
Multiple payment methods: The software accepts many payment methods via credit and debit cards and digital wallets. It processes transactions with the following cards and online payment accounts: Visa, MasterCard, Maestro, Discover, Giro Pay, JCB, Google Pay, Apple Pay, Diners, iDeal, etc.
CCBill Prices and Fees
CCBill offers three subscription plans for both standard and high-risk businesses:
- Standard: 3.9% per transaction and a $55 monthly subscription
- High-Risk: 5.9% per transaction and a $55 monthly subscription
- Adult: Customised pricing place, rates per transaction vary between 10.8% to 14.5%
Businesses don’t need to make a minimum amount of monthly transactions to subscribe to one of CCBill’s plans. There are no weekly, settlement, payout, cross-country, or tech/customer support rates and fees, nor any extra hidden charges. The only fees that businesses need to pay are the monthly subscription and the rate per transaction.
You can contact the company here if you’d like to learn more about their pricing, call the sales team at 8883644332, or send them an email at sales@ccbill.com
You can also call the company for merchant support at 8005102859, email them at merchantsupport@ccbill.com, or have a live chat with a CCBill representative here.
3. Verotel
Founded in 1998, Verotel is an Amsterdam-based Internet Payment Service Provider (IPSP). Since its launch, the company has successfully assisted thousands of high-risk webmasters in growing their online ventures by supplying them with safe payment solutions that comply with PCI standards.
Verotel is a registered member service provider and payment facilitator for high-level global debit and credit card issuers, which include:
- Visa
- Visa Electron
- MasterCard
- JCB
- Discover
- Diners Club
Subscribers can process payments from most major credit and debit cards issued in the UK and worldwide.
Verotel offers various types of subscription services to businesses that provide high-risk services in various sectors, such as adult entertainment. Their knowledge in handling payments positions them as a leading option for companies involved in streaming and subscription services.
The subscription plans can be tailored to meet businesses’ exact wants and needs so they can quickly address each customer’s specific requirements. For example, Verotel offers multiple tools for managing monthly or yearly subscriptions, web pages for payment in multiple languages, and a token-based system for advance payments.
Verotel Features
Here’s a list of the main features of Verotel’s payment software.
- Control centre: Subscribers can use a free, user-friendly tool to check the daily sales and manage multiple accounts simultaneously.
- Dedicated credit or debit card transaction support: Verotel subscribers will receive 24/7 technical support. Anytime customers make online credit card payments and encounter an unwanted error, Verotel will give free help and assistance.
- Guaranteed daily payouts: The company ensures that subscribers will automatically receive daily payments without fail.
- Third-party integration: Subscribers can connect the payment software with Verotel’s Bitsafe cloud-based platform for processing debit payments.
- No minimum processing: There’s no minimum amount of transactions a company must process daily to use Verotel. Therefore, their services suit all kinds of companies, from small businesses and solo merchants to large international enterprises.
- Automated customer login: Verotel’s Remote User Management (RUM) software automatically generates usernames and passwords for new customers.
- Global payments: Verotel users can expand their reach and customer number since the software accepts various international payment methods, including credit and debit cards, checks, and direct debit.
Verotel Prices and Fees
Verotel uses a simple pricing system for its payment processing services, charging a fixed rate for each transaction.
Verotel’s services have higher rates than other payment processors because the company specialises in working only with businesses that are considered high-risk, so they have a higher chance of facing issues like fraud or chargebacks, i.e., when customers dispute a charge. The company has to refund the payment.
Verotel offers two subscription plans. Here’s all you need to know about them.
Basic
The Verotel Basic account is ideal for new online businesses or those who need to use just a few selected features. It’s suitable for companies that sell products or offer online subscriptions and want a simple way to bill their members regularly.
This account has a ready-to-use subscription management system and Verotel’s affiliate marketing system. Their team will set up your account for free – you just need to have your website and content ready. The annual fee for subscribing to this monthly plan is €500 for Visa/MC registration.
Additionally, Verotel takes a fixed rate of 15.5% from each sale, regardless of the payment method.
Every account includes a 10% reserve that rolls over every six months. You can apply for the basic subscription plan at the following link.
Premium
The Premium subscription plan is free and can be used only by businesses that process at least €100 weekly. Businesses interested in this subscription plan must show a statement of their payments from the last six-month period.
You can apply for the Premium subscription plan on this link.
4. ccNetPay
ccNetPay is a Leicester-based payment provider that offers safe and verified payment processing tools and merchant accounts for high-risk companies in EU countries, Hong Kong, the USA, and the UK.
Their services are an ideal option for companies that offer services in the following industries:
- Escort and adult services
- Gambling and gaming
- Digital wallets
- Jewellery and accessories
- Credit improvement and repair
ccNetPay Features
Here’s a list of the payment software’s primary tools and features.
Multiple payment methods: Businesses and solo merchants subscribed to ccNetPay can accept payments from most major international debit and credit cards, such as Visa, Visa Electron, Maestro, Diners Club, Mastercard, and American Express. The company accepts cards that are issued in over 140 countries worldwide.
Secure and verified payment solutions: ccNetPay’s payment software is created to suit the wants and needs of high-risk businesses in sectors like adult entertainment, gambling, gaming, etc., which usually have difficulty getting bank approvals. The company’s high level of security helps reduce risks from fraud and transaction errors and avoid the high fees often linked with chargebacks in these high-risk areas.
Virtual terminal: Businesses can manually process payments through a virtual terminal by connecting to WiFi or 3G/4G internet. This payment tool allows businesses to accept online and over-the-phone debit and credit card payments, and accepts most major cards and digital wallets like Samsung, Apple, and Google.
Global multi-currency processing: ccNetPay’s system is set up for companies looking to accept credit cards from nearly every currency. This feature is ideal for high-risk businesses aiming to reach customers worldwide.
ccNetPay Prices and Fees
ccNetPay’s prices and fees vary for each location.
Here’s a list of the prices for customers based in the EU and UK:
- Yearly rate for ccNetPay account: €98
Monthly rate for ccNetPay account: €20 - Chargeback rate: €24
- Additional yearly rate for 3D Secure: €49
US-based customers need to pay the following rates:
- Monthly rate for ccNetpay account: $10
- Chargeback rate: $15
- Yearly rate for MasterCard for high-risk businesses: $1000
Hong Kong subscribers pay lower rates than Europe and higher than US-based customers:
- Monthly fee for ccNetPay account: €20
- Retrieval rate: €5
- Refund rate: €1
For more information on the pricing, you can contact the company via phone at +44 (0)20 3195 3835 or email them at info@ccnetpay.com. You can also submit an inquiry via their website.
5. GSPAY
GSPAY is a London-based company specialising in providing payment options and offshore and third-party merchant accounts for businesses located worldwide. They offer a payment gateway for credit card and cryptocurrency transactions, ensuring competitive rates.
GSPAY provides services for high-risk or low-risk businesses, small startups, large companies, and enterprises in the following industries:
- eCommerce
- Telemarketing
- Adult and dating
- Call centres located worldwide
- Herbal or vitamin distributors
- File downloading and sharing distributors
GSPAY’s payment solutions can be quickly and easily set up and users can process payment transactions safely 24/7. The company offers businesses the option to create merchant and cryptocurrency accounts. GSPAY also provides custom shopping cart and order page design, supports recurring billing, and offers free trials for anyone interested in trying out the software’s tools and features.
GSPAY Features
GSPAY’s software offers multiple features designed to make online payments easy and secure for businesses. Here’s a short list of what they offer:
- Protection for Visa and Mastercard payments through Visa 3D Secure and Mastercard SecureCode.
- Unique identification for businesses with many daily transactions and high sales revenue.
- Choices between using their XML API for direct integration or a pre-made page to take orders.
- Compatibility with various shopping cart systems that can be installed on an existing website.
- Ability to process payments from most major international debit and credit cards and digital wallets.
- Options for businesses to receive their money either weekly or daily, based on how much they sell.
- Secure online environment protected by SSL-level safety measures to protect customer information from potential fraud.
- Accepts payments with cryptocurrencies like Bitcoin and Ethereum.
- Pre-installed customisable system for managing products, services, and memberships.
- Optional tailor-made shopping cart and ordering and delivery page that can be added to already created websites.
- Third-party integrations for finance management, eCommerce, delivery, ordering, and accounting.
- Automatically updated customer and sales revenue reports that can be downloaded daily.
GSPAY Prices and Fees
GSPAY’s subscription plans are explicitly tailored for each subscriber because their price depends on the tools and features the businesses choose to include.
The company sends a subscription offer to applicants after reviewing their monthly and yearly sales revenue. They also consider the businesses’ location when deciding on a tailor-made subscription rate. Although the subscription prices are customised for each user, here are approximate fees and rates you can expect:
- eCommerce businesses: 2.8% or higher per transaction
- Dating and adult services, gambling, and travelling businesses: 4% or higher per transaction
- Systems for sharing different files and crypto: 4% or higher per transaction
- Downloads, Kratom, and CBD: 7% or higher per transaction
- Herbals: 4% or higher per transaction
- Forex: 5.5% or higher per transaction
- Pharmaceutical businesses and Replica: 8% or higher per transaction
If you have any additional questions about GSPAY’s prices and fees, contact the company via email at info@gspay.com or call them at +441235330039. You can also submit a question via the form available on this page.
6. Instabill.com
Founded in 2001 in London, Instabill offers payment services for e-commerce, retail, and MOTO businesses. Although the company was founded in London, nowadays, its main headquarters are located in Portsmouth, US and Lija, Malta.
High-risk and regular businesses can process in-person and online payments created with all major international credit and debit cards, tap-to-pay, and digital wallets (Apple, Samsung or Android).
Their payment solutions are suitable for businesses that offer services in the following industries:
- Gaming and gambling
- Adult and dating
- Vaping and e-cigarettes
- Cannabis
- Medical supplements
- Nutritionism
- Web design
- Travelling
- Tech and legal support
Businesses can create a tailor-made account for the following purposes:
- Internet-based merchant
- High-risk businesses
- POS software and hardware providers
- Mobile-based payments
- ACH electronic-based payments
- International payments that support over 160 global currencies
Instabill High-Risk Payment Solution Feature
Here’s a list of several features of the high-risk payment solution by Instabill:
- Wide range of bank partnerships: Instabill collaborates with local, international, and offshore banks.
- Compliance with most major cards: The company ensures that its banking partners follow the rules set by major credit and debit card companies, such as Visa, MasterCard, Maestro, Diners Club, and American Express.
- 3D Security: To detect online fraud instantly, Instabill suggests businesses use verified 3D Secure technology on their websites. Their PCI DSS payment services are compliant, so they protect high-risk online sales from unwanted theft and fraud.
- Anti-fraud protection: Besides being PCI DSS compliant, the company also provides several tools to fight credit card fraud through its banking network, including SSL certificates for security.
- Global merchant accounts: For businesses facing challenges opening up an account in their domestic banks due to offering high-risk services, Instabill offers international and offshore banking solutions with fewer restrictions and potential tax advantages. In addition, they can also provide technical support and assistance during the registration process for businesses interested in registering abroad.
- Multiple currencies: Instabill enables businesses to accept payments in almost any international currency and supports many types of credit and debit cards issued in the UK and worldwide.
- Dedicated customer support: The company’s tech support team is available for all Instabill subscribers from Monday to Friday, 8 a.m. to 6 p.m. (US time). They offer personalised support and a dedicated account manager for all of their subscribers.
Instabill Prices and Fees
Instabill does not offer any information on the prices and fees of their services. To get a personalised quote, you must submit an application here.
7. Epoch
Founded in 1996, Epoch is a payment provider for high-risk businesses with headquarters in Santa Monica. Their services are available in the United States and Europe. They accept online and in-person payments by most major credit and debit cards, digital wallets, and other online payment platforms, which include:
- Boleto Bancario
- BLIK
- Diners Club
- Bank Cash-ins
- Discover
- Mastercard
- EPS
- ePay
- Mister Cash
- Giro Pay
- Euteller
- iDeal
- JCB
- Maestro
- Pay via Bank
- MultiBanco
- Sofort Banking
- PaySera
- PayPal
- PIX
- Przelewy 24
- Visa
- PaySafeCard
- Visa Electron
Epoch Payment Solution Features
- Custom-made payment forms: Epoch creates personalised payment forms for each customer, enhancing the shopping experience by simplifying the transaction process.
- Multi-language support: The company’s payment forms are automatically translated into over a dozen languages, accommodating a global customer base.
- Currency conversion: Epoch’s system instantly converts product pricing into the local currency, clarifying costs to international customers.
- Multiple payment options: They accept multiple payment types, including all major currencies and many local, regional, and international payment methods. Epoch offers adaptable payment solutions that cater to businesses of all sizes, from start-ups to large multinational corporations.
- PCI-DSS compliance: Epoch was the first payment provider worldwide to be certified in 2002 and still maintains this security standard through annual audits.
- Data security: The company has pioneered the adoption and development of data security measures like Verified by Visa, also known as VBV, and MasterCard Secure Code.
- User-friendly API: They provide comprehensive APIs for extensive customisation to fit specific business needs.
- Customisable features: Their secure payment forms can be customised to match the look and feel of your business, promoting brand continuity.
- Customer data management: Businesses have the flexibility to collect varying amounts of customer information, from minimal to detailed.
- Marketing tools: Epoch offers marketing and retention features that can be integrated to enhance business growth.
- Straightforward billing process: With Epoch handling all aspects of billing, customers enjoy convenient features like one-click purchases and special offers without the need to re-enter payment details.
Epoch Prices and Fees
Epoch offers a tailor-made payment processing solution with an inclusive fixed rate per transaction. Their processing rates and fees are tailored to automatically match your business’ sales revenue and daily transaction volume.
The companies offer subscription plans with a complete suite of tools, features, and services, including:
- PCI-compliant secure payment forms, available in several formats for different device types
- Global call centre support, available 24/7, 365 days a year
- Merchant support
- Third-party integrations
- Multiple billing options
- Free Installation
You can see the rates per transaction for Tier 1 to Tier 10 here. If you want to sign up for a merchant account and get a tailor-made quote, you can submit your application here.
8. Ikajo International
Ikajo International is a payment provider for high-risk companies founded in 2003 in Amsterdam. Their services are available worldwide in over 130 countries. Ikajo has developed a proprietary fraud prevention software for their customisable payment solutions that keeps transactions encrypted and safe from data breaches.
Ikajo offers merchant accounts for high-risk businesses that provide services like:
- Dating
- Cryptocurrency exchange
- CBD Oil
- Gambling
- Advertising
- Web Hosting
- Fantasy sports
- Numerology
- SEO
- Essay research/writing
You can browse through the entire list of industries here.
The company accepts multiple payment methods by credit and debit card or online payment platforms, such as:
- Visa
- MasterCard
- Giro Pay
- JCB
- FasterPay
- Trustly
- Paysafecard
- UnionPay
- Qiwi
- Sofort
- Teleingreso
- Klarna
- etc.
Ikajo International Prices and Fees
Ikajo doesn’t offer fixed rates per transaction. They vary depending on the business type.
- Dating/Adult: 2.5% or higher per transaction
- CBD: 2% or higher per transaction
- Advertising: 2% or higher per transaction
- Gambling: 3% or higher per transaction
Ikajo International doesn’t provide any information on their subscription plans. Businesses that would like to subscribe have to submit an application here. After sending their application, they’ll receive a tailor-made quote and can open a merchant account via Ikajo’s website.
9. eMerchantBroker
eMerchantBroker is a California and UK-based credit card payment processing provider for high-risk companies.
The company offers the following services:
- Personalised merchant accounts for high-risk businesses
- Funding for high-risk businesses
- Chargeback security and protection
- Check analysis and protection
- Payment processing gateways
- Payments created with cryptocurrency
The company offers payment solutions for businesses that offer services in the following industries:
- Gaming
- Adult
- Tobacco and Cigars
- CBD
- Nutraceuticals
- Casinos
- Travel businesses
- Tech and electronics
- Etc.
Merchant Account for High-Risk Businesses Features
The merchant account for businesses that process high-risk payment transactions and offer specific services has plenty of valuable features.
99% secure approval: The company approves approximately 99% of the businesses that apply to use one of their tailor-made subscription plans and open up a high-risk merchant account.
Quick setup and installation: eMerchantBroker’s team guarantees fast and easy setup and installation. The high-risk merchant account can be set up in about 48 hours. They offer free assistance for businesses that need their help installing the software and using all its tools and features.
Free technical assistance: Subscribers can contact the company 24/7, 365 days a year, whenever they encounter a technical issue or have an inquiry regarding one of their tools or services.
Automated transactions: Customers can choose whether to pay for a service regularly by subscribing to a weekly, monthly or yearly plan. eMerchantBroker will automatically process payments on a specific day and will inform the customers in advance.
Cryptocurrency payments: In addition to the standard payment methods, eMerchantBroker accepts cryptocurrency payments. Businesses can include this payment type to allow their customers to pay with crypto.
eMerchantBroker Prices and Fees
The company doesn’t provide any information on the prices and fees of its services on its website, except that there are no fees to apply or to start up a high-risk merchant account.
In case you’re interested in creating a subscription, you can contact them by filling out the form here or calling them at their customer service telephone: 18006214893
What Makes These Companies the Best High Risk Providers?
Here are several key points that make these companies stand out as the best high-risk software payment providers for UK-based businesses:
- Each company on this list offers multiple third-party integrations for delivery, accounting, inventory, and customer management.
- The payment solutions offered by the companies on this list cater to a wide range of high-risk businesses of all sizes, such as hospitality, travel, dating, adult, eCommerce, gaming, gambling, etc. Additionally, some companies provide services for both high-risk and regular businesses.
- All companies on the list offer different payment options, such as mobile payments, QR code ordering and payment, loyalty programs, and contactless solutions. They recognise major debit and credit card payments, such as Visa, Maestro, MasterCard, Diners Club, American Express, etc.
- Each company offers services that are compliant with the highest PCI security standards. The customer’s data is protected and encrypted during the transaction process.
- All of the companies offer various international payment methods and accept multiple currencies. Some companies, such as Epoch, offer services only in the United States and Europe, and others, such as Verotel, offer payment solutions worldwide.
Conclusion
Finding the right high-risk payment provider is essential for any UK-based business that operates in sectors that face higher levels of financial risk. The providers we’ve reviewed in this article offer a range of solutions tailored to meet the unique needs of high-risk businesses, and all of them can provide you with secure, efficient, and reliable payment processing.
By choosing one of these high-risk payment providers, you can minimise unwanted errors and challenges often associated with high-risk transactions and focus on growing your business.