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High-Risk Merchant Services

Start with a company you can trust. First Financial Merchant Services.


The Benefits of a High-Risk Merchant Services

  • Online Processing Worldwide
  • Credit Cards and Debit Cards Payment
  • Secure Online Processing
  • Dedicated Account Representative
  • Trusted and Reputable Service Provider
Risk management process diagram for high risk merchant services

Why Is First Financial Merchant Services a Premier High-Risk Merchant Services Provider?

As a high-risk merchant services specialist, we approve 95% of applicants, including terminated merchants, new businesses and startups, international businesses, unique industries, and more. First, we’ve always found some business categorizations as “High Risk” somewhat arbitrary. Why do banks think golf club manufacturers and document services are harder to deal with? Whether your industry is deemed “High Risk” due to frequent returns or the nature of your products, it is serving consumer demand and therefore fully legitimate. A+ Rated Better Business Bureau

To make the most profit, it must accept the wide array of card and electronic payments available now. In business since 1996, First Financial approves 95% of high-risk merchant processing account applicants. We are proud to serve “High Risk” businesses, and this unique part of the market has ensured our own success. We are proud to deliver the best, most secure solutions to the widest variety of applicants, even those with less-than-perfect credit. First Financial Merchant Services exists to keep all business, no matter the size or categorization, thriving!

Next-Generation Automation Means Lower Processing Costs

Every day, we adjust interest rates and costs to make sure we can offer the lowest in the industry.  Our state-of-the-art technological wizardry streamlines transactions and accelerates processing time; keeping staffing costs low. We pass our savings on to you in the form of low rates and fees. More Frequently Asked Questions


“I was just about to give up on offering cards payments (business suicide) when I found First Financial high-risk merchant services.”

Carol Li Jonesboro, Phoenix, AZ

“I always hear about the newest payment method from First Financial High-Risk Merchant Services. When a new customer comes in waving their phone to pay, I get to say “Sure we accept that!” A Great Company!”

Jacob Blume, Albany, NY

“So nice to have Paula and Marina to discuss the newest payment methods with.”

Pam Padilla, Reno, NV



Questions? Call 1 (800) 315-7791 or contact the Help Desk

First Financial® | Corporate Headquarters | Mailing Address: First Financial 2305 Historic Decatur Road, Suite 100, San Diego, California 92106

Client Service Center:  Main: 1-800-315-7791 Fax: 1-800-215-0217

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