High Risk Merchant Accounts for All Business Types

Team of Veteran High Risk Merchant Account Specialists

Motile’s experienced team has spent over 20 years operating in the world of payments. During that time, we’ve worked together with a huge range of merchants operating in a wide variety of industries – many of who were pigeon-holed by banks and service providers as “high risk”.

While this designation can be discouraging for business owners, it’s one that doesn’t phase us. Our dedicated team specializes in setting up these high risk merchants with payment processing solutions. If you’ve been having trouble opening (and keeping open) a bank account, look no further.

Creative Payment Channels

Traditionally, high risk payment 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.

Pricing Tailored to Your Business

Finding a merchant service provider willing to approve your high risk business and provide reasonable rates 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 services and other creative payment handling methods – all of which include fair pricing based on the true risk of your business.

Understanding Rolling Reserve

Rolling Reserve gives the processor the right to withhold a percentage (as of 2026, usually 5% to 10%) of a merchant’s gross sales for a given period of time. Some less ethical providers 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.

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.