Posted by NationalACH on Jun 08, 2021
High Risk Merchant Account Security

The first step to finding a solution for your high-risk merchant status is to recognize the risk involved in the nature of your transactions.

The inability to plan for the high-risk status of your industry may put you in a pit of despair that eventually leads to a blocked account. Most vendors are left without resources in the bank when chargebacks from a high-risk industry start stacking up. As a result of this, their account is eventually shut down and traditional banks refuse to work with them.

In this article, we mention some high-risk industries where merchants need payment processing solutions. The identification of these industries will make it easier for merchants to categorize their high-risk status.

High Risk Merchant List

There are significantly more financial payment processing complexities for industries mentioned below. Restrictions for businesses within these industries mean that operators have to jump a few more hoops than usual to get the payment processing solutions they require.

Online Gaming and Gambling

The ability to accept quick payments from gamers and quickly pay out the dues owed to winners is what most online gaming and gambling providers prosper on. Good customer experience in the online gambling and gaming industry is determined through quick acceptance and delivery of payments.

Operators in the online gambling industry can benefit in the following ways from a high-risk merchant account:

  • Reduction in processing fees
  • More payment methods as cards are accepted
  • Multiple choices to pay winnings to customers

With a high-risk merchant account, online gambling and gaming businesses can enhance customer satisfaction and improve retention.

Nutraceutical Merchant Accounts

Nutraceutical merchants are first on the list of high-risk merchants. A nutraceutical merchant is one who sells a pharmaceutical alternative that promises physiological benefits. The industry is largely unregulated in the United States and is considered high-risk.

Nutraceutical merchants can get their own account by choosing a merchant account payment processor provider. The selection process is important, which is why the high-risk merchant should choose a reliable provider. The potentially high chargebacks in the industry make it difficult for merchants to secure online credit card processing. National ACH understands the unique needs of the industry and offers convenient payment gateways for all businesses.

Adult Industry Merchant Accounts

The adult industry ranks in at number two on the list of industries that come with the highest risk. Getting a high-risk merchant account can be a difficult task for operators in the adult entertainment industry. The process may seem extremely complicated when businesses do not know where to start. The adult entertainment industry is broken down into adult dating, sex cams, adult toys and other paid services/products of the nature.

Operators in the industry should recognize the high-risk status of their business and choose a payment processor that secures their best interests.


There are a number of industries today that are marked high-risk due to issues in payment processing. Go through this article and identify your high-risk status to take further measures.

Do you want to streamline transactions and make payments more convenient for your clients?

Contact us today on 866-ACH-7600 to learn more about this trend and how your business can benefit from digital payments.