Merchants

RISK MANAGEMENT TOOLS FOR HIGH-RISK MERCHANT ACCOUNT

From preventing chargebacks to transaction allocation and management, our cutting-edge risk prevention tools will help keep your high-risk merchant accounts healthy and processing for the long term.

Pre-chargeback alerts to prevent chargeback
IspyFraud prevention software
Reliable and secure payment platform
Processing strategy customized for your business
Chargeback dispute system

SUPERB CUSTOMER SUPPORT

Our expert agents are available to help make your application process as easy as possible. Whether you have general payment processing questions or need help completing the application, our team is available 24/7 for you. Our expert high risk merchant account payment advisors provide:

Daily account monitoring and management
Pre-approved backup banks
Customer service testing
Longstanding bank relationships
Descriptor testing
24/7 USA customer support

Fast Approvals

Our online application, which is integrated with dozens of banks, assures a quick application and approval process so you can start accepting credit cards right away.

High Approvals

With over 40 different bank solutions that have been tested, we can ensure that your application will only be submitted to banks that work with businesses like yours.

Secure Processing

Minimize fraudulent charges by utilizing our fraud-prevention services.

Online Portal

Our online portal delivers daily status updates from our banking partners and reminds you exactly what is missing to get you approved.

Apply Online

Our online application allows you to apply to a selection of high-risk banks in the industry by filling out one application, completing digital signatures and securely uploading supporting documents.

Unique Solutions

To help businesses that can’t get a high-risk merchant account approved by US Banks, we have developed a network of Offshore and ACH Bank relationships that provide payment gateways andaccept multiple high-risk business types.

e-Wallet

Getting your own non costuday wallet to recive funds directly to your account, use multi ramper solution to be able and use sepa banks, swift and cards as anonother psp options

P.O.S Integrations

With our technology you able to charge your clients multi currencies and receive that funds on the next payout to your bank account converted for you to fiat

FAQ

General

What Are High Risk Products?

High risk products are products and services that are sold by merchants who operate within high-risk industries. The list of industries considered high risk is long and includes nutraceuticals, magazine subscription services, CBD, debt consolidation, multi-level marketing, travel, and many more.
Other products and services considered high risk include those that are sold at high-dollar amounts and those that are sold on subscriptions or payment plans.

Why Are These Products Considered High Risk?

These products are considered high risk due to factors like a higher likelihood of chargebacks, fraud, or regulatory scrutiny. Many financial institutions avoid working with high-risk merchants because of these risks.

What is the Approval Process for High Risk Merchant Accounts?

The approval process typically involves an underwriting review where the payment processor assesses the risk level of your business by reviewing your business history, financials, and chargeback history.

Can High Risk Merchants Avoid Chargebacks?

While it’s impossible to eliminate chargebacks entirely, high-risk merchants can take steps like offering clear refund policies, providing excellent customer service, and using fraud prevention tools to reduce chargebacks.

What Are Rolling Reserves?

Rolling reserves are a portion of a high-risk merchant's revenue held by the payment processor to cover potential chargebacks or fraud. These funds are typically released after a set period of time, often 6 months.

How Can I Apply for a High Risk Merchant Account?

You can apply for a high-risk merchant account by contacting a payment processor that specializes in high-risk industries. Be prepared to provide detailed information about your business model and financial history.

What Are the Costs of a High Risk Merchant Account?

The costs of a high-risk merchant account typically include higher transaction fees, rolling reserves, and other charges to mitigate the risks associated with high-risk businesses.

How Long Does it Take to Get Approved?

The approval process for a high-risk merchant account can take anywhere from a few days to several weeks, depending on the complexity of your business and the payment processor's underwriting process.

What Happens If I Exceed My Chargeback Limit?

If you exceed your chargeback limit, your payment processor may increase your rolling reserve, impose fines, or in some cases, terminate your merchant account. It's important to keep your chargebacks as low as possible.

Can I Switch from a High Risk Account to a Low Risk One?

Yes, if your business's risk level decreases over time and you have a strong track record of low chargebacks, you may be able to switch to a lower-risk merchant account with lower fees.

RelamPay LLC

All in One | Daily use Wallet Apps

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About RelamPay

Services

Merchant & Partner (Online)

Disclaimer: This service is provided on an “as is” and “as available” basis. RelamPay disclaims all liability and makes no express or implied representation or warranties of any kind in relation to the service including but not limited to: an availability, an accessibility, time lines, and uninterrupted use of the service; and sequence, accuracy, completeness, timeliness or the security of any data or information provided to you as part of the service. For more details and definitions, please refer to terms and conditions.

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