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Why is my business considered high-risk to merchant processors and banks?

Why is my business considered high-risk to merchant processors and banks?

Rejection of your merchant services application as high-risk has little to do with your business management skills, products or services. Your business just happens to be in an industry

banks and merchant processors consider high-risk. These organizations have run the numbers to find that those in online dating, travel, water purifiers and many more simply get more returns and cancellations than other businesses. Banks also consider very new industries to be higher risk. These include web development, IT and e-cigarette shops. While relative newcomers to the American economy, none of those are going anywhere. Finally, many banks and processors withhold the right to provide accounts to businesses they consider morally questionable. Businesses in the gun, adult and cannabis industries will pay the higher fees high-risk merchant accounts demand.

Other reasons your business landed in the high-risk category include: the business owner’s poor or bad credit or the business is located off-shore.




First Financial

First Financial ® Corporate Headquarters 2850 Womble Road Suite 100-604 San Diego, CA 92106

Client Service Center: Main: 1-800-315-7791 Fax: 1-800-215-0217 (Monday–Friday 5:00am–6:00pm Pacific or 8:00am–9:00pm Eastern)

Merchant Services / High Risk Merchant Accounts: 1-800-950-0212 Fax: 1-800-215-0217


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