"High-risk" doesn't mean your business is doing anything wrong. It means a processor expects a higher chance of chargebacks, fraud, regulatory issues or financial loss.
Common reasons a business is high-risk
- Industry: CBD, supplements, vape, firearms, travel and more. See industries we cover.
- Billing model: subscriptions, free trials and continuity offers.
- Future delivery: taking payment long before you deliver (travel, events, pre-orders).
- High average ticket or unusual sales volume.
- Chargeback history: a dispute ratio above card network thresholds.
- Credit or processing history: including placement on the MATCH list.
- International sales or cross-border customers.
What changes with a high-risk account
Expect more detailed underwriting, potentially higher rates, and sometimes a rolling reserve, where a percentage of sales is held for a set period to cover potential chargebacks.
How to improve your chances of approval
- Prepare business documents, statements and owner ID in advance
- Make your website's terms, refund policy and contact details easy to find
- Keep your chargeback ratio low and document how you prevent disputes
- Be upfront about your products and billing model
Specialist providers like Zeyla work with these businesses. Request a free high-risk quote.