High Risk Credit Card Processing

20+ years helping online lenders, travel services, nutraceuticals, online pharmacies, and more get premium merchant accounts. $0 application fee, 24-hour account approval & free setup.

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Solutions for Every Industry

From the perspective of credit card processors, some industries are simply riskier than others. The factors that go into determining that risk can vary from incessant chargebacks to bad credit.

Motile has merchant service solutions for almost any high risk business. With over a 95.7% approval rate – if you’re in need of a high risk merchant account, we’ve got you covered. Here are a few areas where we have industry-leading solutions: 

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Creative Payment Channels

Traditionally, high risk processing solutions have been limited in scope due to the conservative nature of banks. Today, however, there are more ways than ever to help legitimate merchants handle their payment needs. This is largely due to the work of savvy merchant service providers.

Motile has ACH processors, credit card providers, and even blockchain solutions available for entrepreneurs looking to open high risk merchant accounts. Services like e-checks, remote deposit services and quasi-cash handling allow you to comfortably manage the money flow of your business, and set you up for success from day one.

Find Your Creative Solution
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Pricing Tailored to Your Business

Finding a merchant service provider willing to approve your business and provide high risk processing solutions at a reasonable rate can be challenging. Many credit card processors try to take advantage of the low rate of approval faced by high risk merchants and force them to pay crazy transaction fees.

Don’t get scammed.

Motile can help connect you with high risk credit card processing services that will give you fair pricing based on the true risk of your business.

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Understanding Rolling Reserve

Rolling Reserve gives the processor the right to withhold a percentage (usually 5-10%) of a merchant’s gross sales for a given period of time. Some less ethical processors will even try to sneak in a rolling reserve at the last minute, with rates as high as 30% for a 90-day period.

This might not be too big of a deal with some larger businesses, but if you’re trying to open a small dance studio, that initial strain may be too much to bear. Motile can help you avoid unfair rates and hidden fees by connecting you with our prestigious partners.

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Reduce Chargebacks & Protect Profits

As a high risk merchant, chargebacks are likely the greatest threat to your profit margin. If left unchecked, they can single-handedly take down the business you worked so hard to build.

Using chargeback management services can help shield your revenue from excessive chargebacks and credit card fraud, ensuring the longevity of your business. Click below to contact our experts and find out more.

Protect Your Business
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Dealing with Terminated Merchant Files & the MATCH list

Has your merchant account recently been revoked? Are you having trouble getting one approved? These could be signs that credit card processors have placed you in their terminated merchant file or MATCH list.

This means you’re on the payment processing blacklist, a borderline death sentence for most businesses.

Fortunately, there are still some high risk merchant account providers that can help you process credit card payments and keep your business afloat. Click below to contact our experts and find out more.

Help Me Find TMF Solutions
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Why PayMotile?

"PayMotile has helped us out tremendously with our payment processing. They were able to provide us with a total of three merchant accounts, each of which help secure our business's current and future needs. We can now accept payments internationally as well as here in the US, and we don’t have to worry about processing limits anymore! Our experience has been very positive, and I am extremely satisfied with their work."

"We were unexpectedly shut down by PayPal because of the specific products we offer and sell. My sales representative at PayMotile worked with me to help ensure we could still get a merchant account. We have been successfully processing now for 14 months. The team members at Motile were informative, professional and most importantly – they were able to provide us with the credit card services we needed to save our business."

"PayMotile moved quickly and professionally in assessing our payment needs. Pricing was easy to understand and the service was excellent."

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