What to Look for in a High-Risk Merchant Services Account. Over the past few years, and especially during the pandemic (where folks had more time on their hands), the use of. Thankfully, there are specialized companies that cater to high-risk merchant accounts, perfectly suited for the gaming industry. Unfortunately, fantasy gaming is an industry that is classified as ‘high risk’ by many banks and financial service providers. High Risk Payment Gateways offers Nutra merchant accounts for an extensive collection of sub-industries related to nutraceuticals, including: dietary supplements, food additives. We also look at. Easy Pay Direct login gateway. com Thus, here are five instances that make an online gaming merchant account high risk: The card and cardholder are not present Since the dawn of e-commerce, if the credit card is not present at the point of sale at the time of sale, an acquiring bank will consider your business high risk. National Processing. They typically offer online and in-person processing services. Doubtful bank statement. Emerchantbroker offers e-commerce high-risk merchant services that integrate easily with WooCommerce, BigCommerce, Shopify, QuickBooks, Shift4 Shop, etc. We’re offering an online gaming merchant account. Travel Merchant Accounts. While it is a thriving industry, the companies are considered high risk due to the chance for legal action in. Find reliable solutions for your business needs. Majority of card processing providers consider it as high risk industry due to certain reasons. While EMV cards are safer with in-person usage, they have opened up a few can of worms when it comes to CNP fraud. Pros. Travel. Despite its status as one the most stable economies in Latin American, global package delivery company, DHL, plans to shutter its e-commerce business in Chile. The online casino industry is well-known as online gaming in the merchant service industry. Amald. National Processing: Best For Clover Processing Hardware. But with us, you won’t need to be troubled. In this case, Online. High-risk merchant accounts typically charge higher fees and. Slot Machines. On top of that, they sport a credit score of only (718), while Baby Boomers average about $101,951 worth of debt and rock a credit score (782). Account Se-up or Installation fee. Find reliable solutions for your business needs. This means that merchants in high-risk industries have a better chance of getting approved for an account. If your application is accepted, there will be set up or activation fees involved. However, the sector’s influence extends far beyond dollars; it has shaped broader social, cultural, and business trends and established a path for companies to. Get a. Massively multiplayer online gaming (MMO), which includes games that can be played by hundreds and sometimes, thousands of players at a time, generated $19. A high-risk merchant account is a specialized payment processing solution designed for businesses operating in industries that are considered high-risk by payment processors and banks. Once a high-risk gaming industry merchant account is approved, payment processors set monthly processing limits, typically between $10,000 and $30,000 per month, for the first. There are two plans to choose from, one tailored to brick-and-mortar businesses and the other for ecommerce merchants. Gaming Merchant Account. High-Risk Merchant Accounts. Sometimes people are happy with their small business. Now! If you’re cleared about a high-risk payment gateway we shall move to the next part is an online gaming merchant account. Bonus abuse is a more basic scam closely linked to multiple account fraud. We serve almost all industries, including those that sell high-risk goods and services. Luckily, PayMystic’s expanded network of banking relationships accepts the eGaming and eSports category and provides competitive rates, terms and conditions. An online casino merchant account is a special type of account designed to cater to the payment processing needs of high-risk industries like online gambling and gaming. What Is High Risk Merchant Account? A business with a higher-than-average transaction rate is termed a high-risk merchant by a bank or any other financial institution. Support free trial. Merchant Discount Rate (MDR) or commission rate. Casinos have been around for many years, but the rise of the internet changed the game for gaming fans all over the world. Payline Data provides merchant accounts with interchange-plus pricing. + Follow. An online gaming merchant account is a business account used to process payments of the customers/players. That means that player payments get processed faster. Also to give the most successful transaction results. The account is arranged by a payment service provider which works as a mediator between the acquirer bank and the business. Our Social Gaming Merchant Account gives real-time authorization response and multi-currency. Fees and Costs: Understand the fee. Step 1: A customer buys a product or service either online or in-store. The players feel insecure for many reasons, but with the presence of well-equipped high-risk merchant accounts, it is simpler now to provide better safety to the players. . To succeed, online merchants should choose the right credit card processor in the field. Adult entertainment. Social gaming merchant account solutions at 5 Star Processing. 1. X. To begin the process, you can apply online for a fantasy sports merchant account. net, give you access to information regarding your new account. We have solutions for all sorts of gaming businesses, whether gambling, casino, social gaming, etc. Specializing in high risk merchant services, Instabill has been providing e-commerce businesses with a wide range of credit card processing solutions for more than a decade. Obvious examples of high-risk merchants include those in industries like medical marijuana, on-line gambling, or telemarketing. EMB is also a reputable alternative online lender in the high risk field. Due to the high-risk nature of the sector, opening merchant accounts at conventional payment gateway solutions is frequently more challenging for online gambling solutions like casinos. In the last ten years, the gaming industry has grown a lot, and there are many ways to make money by selling popular games or other products. Get in Touch. Websites with Money Prizes: VISA. Common examples of high-risk businesses include: travel. This system immediately alerts merchants about disputes, giving them enough time to correct any misconceptions before a chargeback occurs. picture identification. Because an online gaming merchant account permits gaming merchants to accept online payments quickly. 2) Chargeback ratio is low to nothing. Social gaming. Merchants trading in online gaming requires an online gaming merchant account. This is because they often use stolen credit cards to make their purchases and the cardholder may not be aware of the purchase until it has. E-gaming companies operating an online casino need a merchant account in order to accept payments from their players. However, to gain more clients having a bookkeeping merchant account allows clients to pay with their credit cards rather than having to take the time to write a check. Create an online gaming merchant account with us. Especially with the online gaming business, various small transactions get generated & often hit a higher percentage fee. Online Gaming is considered to be a high-risk business and needs a merchant account to fulfill your requirements. Not every online gaming platform can be considered high risk, as your area, the volume of your company and the risks it attracts make you a high risk brand. Easy Pay Direct login gateway. Retail. The pros of a high-risk merchant account for Shopify. This will allow you to continue doing business even in high-risk markets. Hardware: Quote-based. You can even create follow-up campaigns and offer 2. Our team of experts have a strong reputation of providing industry-specific support for low-risk industries: Apparel. So, with a true high risk payment expert like EMB, you can enjoy unmatched merchant processing services, including a merchant account for drop shipping. With the industry exceeding the expected growth the. #1 PaymentCloud Strong Reputation For Fast Approvals. Reach millions of shoppers. Our system has reporting tools and channels to aid in-house solution. A high-risk merchant account is a payment processing account for businesses considered high-risk by banks. Access 24/7 tech support for online gaming merchant accounts. Talk to our representatives right away to discuss your options. 805. all the signers to the account. July 17, 2023. The most significant red flag for banks is the fact that a lot of these. Here are just a few excellent high-risk merchant account providers to help you start your search off right: Focusing primarily on high-risk e-commerce businesses, eMerchantBroker claims they approve 99% of all account applications. Using the best high-risk credit card processing goes far beyond just the setup. Beyond that, EMB can also set up a fraud filter for your online payments. As soon as. One of the primary advantages of highriskpay. In this comprehensive guide, we’ll delve deep into. For example, the type of industry, the industry's reputation, the place of your business, a higher chargeback ratio, higher return volume & higher chances of fraud, high ticket items, and bad credit scores are a few grounds to consider a business high-risk. [email protected] You're Approved GET STARTED NOW ! About Us;. Rely on the Instabill team to get you a high. Fast approvals in 24 – 48 hours. Hardware: Quote-based. A typical issue in a gaming merchant account is a. If you’re one of those involved into online gaming industry, you can also. By offering alternative payment options, casinos can cater to the diverse preferences of their players and provide a seamless deposit and withdrawal experience. If you still have questions regarding what we can do for you, give us a call at 1-888-548-5649 so you can converse with one of our merchant account managers. 14 trillion by 2020. Be sure those online merchant servicers are actually true businesses. We offer Online Gaming Merchant Account to the merchants through which merchants can operate their business transactions seamlessly. Let Humboldt offer your. Adding secure bank transfers on your checkout page as an alternative payment method boosts profits by eliminating the risk of chargebacks. Low-risk merchants. Corepay: Best For Mail Order/Telephone Order Businesses. Online gambling is popularly known as gaming in the merchant service industry. EMB specializes in all industries that are considered high risk. These industries include the adult industry, online gaming, subscriptions, etc. But you may have been thinking that what it has to do with a gaming merchant. We help companies who need to acquire an online gaming merchant account and run a sustainable business. Bonus Abuse. S. Monthly fee: $10 to $45. Even though merchants also enjoy the same benefits as households when they use credit cards, a good majority are still. To understand what happened to Michelle, first we need to understand exactly what a high-risk merchant account is. A gaming merchant account is interpreted as a high-risk account for many reasons: The turnover rate at your business may be too high. Traditional banking solutions are often unwilling to take on the risks associated with these industries, which is why specialized merchant accounts are necessary. Many traditional, conservative banks and credit card processors are frightened of doing business with this high risk account because of the potential for chargebacks and credit card fraud. The best small business merchant services accept all common credit cards, including Visa, Mastercard, and American Express. Apply nowYour High risk merchant source! Lowest rates guaranteed and fastest service. Here, we will cover what makes a business high-risk and how a high-risk merchant account differs from a regular merchant account. Though they flagged my business as high risk and outsourced me to one of their partners who offers high risk merchant accounts for businesses like mine. High-risk businesses are no strangers to the unique challenges posed by the ever-evolving e-commerce landscape. Expertise: With years of experience in the industry, we know the ins and outs of high-risk businesses. To process debit and credit card payments, these businesses require a specialized high-risk merchant account, acting as a protective shield against potential financial pitfalls. Consumer-targeted data breaches have been the norm in recent days. World-class checkout. These are important to look out for before giving green light to online gaming merchant accounts. It is only via a high-risk merchant account that a merchant can process credit and debit card transactions online. Why Gaming Merchant Account Is High-Risk Business. It’s estimated 1. Our high risk payment processing expertise can help your legal gaming business acquire merchant accounts and protect those accounts from excessive fraud using proprietary. An online high risk merchant account will help you to accept alternative payment methods, such as prepaid debit cards, e-check for high risk businesses, ACH, and crypto payments, which are not accepted by standard merchant account prpcessors. – Adult Cruise Lines. Easy Pay Direct specializes in high-risk industries and has experience working with gaming businesses . Stricter terms. Getting an online gaming merchant account is not easy,. We…With the proliferation of high-risk verticals entering the marketing place, more merchant account providers have opened their doors to serve the needs of the growing number of high-risk merchants. The acquiring banks consider the casino industry as high-risk. This is where online gaming merchant accounts come in. S. Thus,. Businesses in high-risk industries, such as online gaming, adult entertainment, and nutraceuticals, may have difficulty obtaining domestic merchant accounts. Having an online gaming merchant account high-risk is absolutely necessary if you operate an online gaming company with a high rate of chargebacks. Applying for “No-Credit-Check” Merchant Account: Step-by-Step Guide. 3% to 3. Why online gaming merchant account is considered high-risk. A bail bond merchant account may be difficult to find. At eMerchantBroker. The reason for this is that many of the transactions that come from gamers have a higher chance of being fraudulent. When it comes to opening a business bank account, you are going to need: a business license. Online world due to the fact that they typically use recurring payment methods. There are many laws that prevent online gambling that businesses have to abide by. Because of high risks involved, online tobacco stores face many obstacles. It is an option for high-risk merchants, like fantasy sports, tobacco, or online gaming niches. – Webcam and Live Video Streaming Sites. 1. A gaming merchant account is interpreted as a high-risk account for many reasons: The turnover rate at your business may be too high. It happened to be that, this account has become viral since the online gaming merchantInstabill provides adult credit card processing solutions to both startups and existing businesses. If you’re interested in high risk payment processing, consider turning to EMB, the #1 high risk processor in the US. Yes #offshore_merchant_accounts can offer significant benefits, But they also come with certain risks, We at PAYCLY Merchant Services have vast experience managing cross border #High_Risk_Payment. One problem the online gambling and casino industry faces is obtaining a merchant account, as acquirers are seldom willing to work with them, given the high-risk nature of their business. Higher payment processing fees. The company’s products and services for gambling businesses include multiple currency support, offshore banking partners, an online payment gateway, shopping cart. And with lucrative benefits like large ticket processing. and therefore banks are a bit leery to take on gun merchants. Bitcoin’s rise from oblivion in 2013 was a major story not only among those in the financial business but of consumers as well. Voted #1 high risk processor throughout the US, EMB offers unique payment processing services to its customers. As players immerse themselves in virtual worlds, the significance of a seamless…Online gaming is considered a high-risk business because they are more likely to experience online fraud, high chargebacks than other types of business. ; 99 percent approval for high-risk merchants, including those in the CBD, adult, online gaming, collections, nutraceutical 1. Online gaming companies must have a high risk gaming merchant account in order to accept card payments but maintaining a merchant account comes with a price. So, why is this the case? High-risk businesses are rarely served by ordinary merchant account providers. To do so, your business will need a merchant account. Easy Pay Direct can help you get an adult merchant account and credit card processing services for your high risk business. Many PSPs consider the same merchant services for every business type. The acquirers mostly consider them as a high-risk business as it requires a special account to protect the security of their transaction. ECS Payments can provide you with the best payment solutions for an online casinos merchant account, covering all different types of online gaming payment processing including: Lottery. With partnerships with more than 15 domestic acquiring banking partners, we are able to serve merchants in high risk industries as well as low risk, high volume, and low volume, and in-store or online. How much does a high-risk merchant account cost? Businesses with high-risk merchant accounts typically pay $100 per month on average. High-risk. According to grandviewresearch, the online gambling market size was quoted at USD 57. – Adult Magazines. High Risk Merchant Accounts. Why is your business, an online gaming business, considered high risk? The reasons are the following: it has a high-volume turnover, there are age restrictions, diverse global laws, and significantly higher instances of chargebacks. This could include industries such as adult entertainment, online gambling, pharmaceuticals, or even e-commerce businesses with a history of chargebacks. What Instabill. This is because they often use stolen credit cards to make their purchases and the cardholder may not be aware of the purchase until it has already been made. The Importance of High Risk Merchant Accounts. With a reliable gaming merchant account, online companies can make the most of their business. In addition, fraud losses are said to have fallen from $18 billion to. Connected. Obtaining an online gaming merchant account isn’t easy. The online casino industry is well-known as online gaming in the merchant service industry. Again, adult entertainment account and payment processing rates fluctuate with season. Learn about online gaming merchant accounts, top high. Fees also vary by provider and in most cases, pricing is set individually for every merchant. The gaming business, also known as online gambling, has over the years become a crucial part of a well-organized and profitable gambling industry. 1-800-621-4893. Are you a business owner in a High- risk industry? If so, you may be wondering how you can secure payment processing services to keep your business running. CNP, or card not present, fraud is still possible with EMV cards, and it is quickly becoming a hacker’s new way of getting. In card-not-present transactions, merchants are liable for repaying cardholders. This is where you will log in to your control panel. To locate the best possible provider for your business, you must perform sufficient research and locate the best possible service for your needs. You can begin the process by just applying online now. Bail bondsmen need a high risk specialist to open their bail bond merchant accounts. Fantasy Sports is Considered a High-Risk Business While a fantasy merchant account is a necessity, many fantasy sports companies struggle to access payment processing. Including individual transactions and batch totals with comprehensive reporting tools. Credit card processing is a must for online businesses. Dharma’s monthly fee is $20 per month. WebPays. Online casino and gaming merchant accounts from Leap Payments are available for companies in the following industries: Digital Games. Nutraceuticals are tricky businesses to find merchant accounts for due to lack of health regularization by the government. Online Gaming Merchant Account. The prevalence of credit card processing providers evaluates it as a high-risk industry because of. Depending on the type of gaming merchant services, one of these codes will be assigned to the merchant. The finest investment an online gaming business can make is to look for a high-risk merchant account that is reliable and trustworthy to process payments safely. You do this by opening a merchant account. The high risk label of this type of businesses is partly associated with high chargeback rates. Nov 6, 2017 | High Risk, Merchant Accounts | 0 comments. We specialize in approving high-risk merchant accounts, providing you with the necessary services to effectively operate your eCommerce business. High risk online payment processing allows businesses in high risk industries, and those considered high risk for reasons other than their industry, to accept credit and debit card payments online from their customers. Click on the “account” buttons if you want to start filling out a free application. Once approved, EMB can also set up chargeback management tools and a payment gateway, along with a fraud filter for online payments. High-Risk International Merchant Account conducts your online business across the globe. With the help of a payment app on your smartphone or tablet, credit card readers. 3Ds & Non 3Ds Mids for Casino /Gaming Aug 17. Payline data plans cost $$20/month plus. Though DHL’s e-commerce division closes on April 12, the delivery company plans to keeps its other package delivery hubs running in the country. The industry is booming with so much growth and potential that it is expected to reach over 127 billion by 2027. While a fantasy merchant account is a necessity, many fantasy sports companies struggle to access payment processing. In time, they will likely become more. Radiant Pay is the leading high risk payment processing, merchant account services and payments gateway solution provider in London UK. As it is not too comfortable to get a merchant account for your online gaming business. The PayKings team has high risk merchant accounts for businesses with high risk payment processing volumes of $20,000-$100,000,000+ per month. Chargeback Alerts. 7% from 2022 to 2030. Contact our team for more information about our gaming merchant account application and get started accepting gaming credit cards. Well, traditional merchant accounts often shy away from working with high-risk industries like online gambling or game development due to their perceived risks. 4% for mid-risk transactions. Moving companies. Whenever a business exceeds a 2% chargeback ratio, credit card companies can fine the processor that provided the high-ticket merchant account. Published on August 17, 2017. It is critical to have a merchant account for online gaming because of the high-risk nature of the business. If your company doesn’t have a positive transaction history or it is too new to have developed one, you will encounter high charges from payment processing providers at best, but more. There are a lot of steps to setting up a business. com can help you get your business the proper credit card processing account. Low-risk merchants. At last, we also learn some benefits and drawbacks of using a high. Bank-to-Bank Transfers. How High Risk Merchants Can. Grow your business online. About Us; High Risk Merchant Accounts; Solutions. In this day of high-speed communication and networking — credit card processing services have developed a high risk credit card processing program for just about every legal business. These are themselves financially risky activities for the customers, and a portion of such risk is always carried by the business that provides said. A simple, easy to find return or refund policy. Online Gambling Merchant Services. Get processing. Gaming Industry Merchant Services. In the realm of commerce, certain businesses earn the label “high-risk” due to their susceptibility to chargebacks, fraud, and other challenges. Services to high-risk business owners are comparatively expansive than low-risk businesses. They provide flexible pricing options, fraud prevention tools, and excellent customer support. Dharma’s processing rate for high-risk businesses is interchange rate + 1. Though your online gaming site might not have any offshore locations, the industry is tabbed as high-risk. This ensures compliance with legal regulations and minimizes the risk of account termination. EMB is voted the #1 high risk payment. Our rates are competitive and affordable. 9. Have you heard about the huge scandal at Wells Fargo?Well, it’s huge – in fact, millions of fake accounts huge. The good news is that if your bank deems you “high risk,” they will not hide it from you. 1) Online Gaming Merchants. The pre-screening process occurs in the early stages when the PSP learns a little bit more about the new merchant. As a result, trust and customer loyalty improve and, in turn, brings. Since gambling is considered to be a high-risk-high-reward industry, it pays for online gaming companies to get their merchant accounts approved and ready to. co offers a full compliment of online payment solutions for high-risk businesses. Internet gambling laws are murky in many regions and an increasing number of companies are registered offshore. Chargeback Alerts. Additionally, you will receive a detailed fee schedule for all your transactions. Every day brings new opportunities for merchants with a merchant account for online gaming. A merchant account is a type of account that is approved by a bank or financial institution to allow the business to take credit and debit card payments from their customers. 2) High chargeback ratio. Being turned. Similar to most business services, the high-risk merchant account provider market is highly competitive. Merchant accounts are provided specifically to control the functioning of your e-commerce websites or websites that accept online payments, one of which is online gaming. National Processing. Many factors go into making e-Gaming a high-risk industry including chargeback disputes, complex legal issues, international clientele, risk of gambling addiction, and money laundering. Chargebacks can ruin even a successful business. 3) Industry is considered low-risk, such as retail. Whether you are a seller online or have a smoke shop somewhere across the country, your profits have gone through the roof. What Makes a Gambling Merchant Account High-Risk? Most banks consider gambling “high risk. All they want is to avoid the risk. This. Today, we see millions of records being lost in single breaches (Target, Kickstarter, the Sands Casino, White Lodging, and Neiman Marcus. Moving companies. However, it is considered a high-risk business. PaymentCloud: Best for software integrations. Like other high-risk industries, online gaming is also prone to many security and financial fraud issues. A new study by Experian shows that this generation has an average of $111,121 per person. It involves the transfer of funds between players, gaming companies, and financial institutions to enable the purchase of in-game items, virtual currencies, or to fund player accounts. The company’s products and services for gambling businesses include multiple currency support, offshore banking partners, an online payment gateway, shopping cart integration, and fraud protection. Durango Merchant Services: Best For Offshore Merchants. Though only one factor likely will not get a merchant classified as high risk, a combination of these may: business size, location, and industry, credit score, credit card processing history, a industry’s reputation for excessive chargebacks, a prior history of high chargeback ratios, and whether a merchant exclusively sells online. To locate the best possible provider for your business, you must perform sufficient research and locate the best possible service for your needs. A gaming merchant account is a bank account that lets you accept payments from customers using credit cards or debit cards. The PayKings team has high risk merchant accounts for businesses with high risk payment processing volumes of $20,000-$100,000,000+ per month. A Forex merchant account is vital for a foreign business that accepts online payments. Get started by applying for a Hungarian high risk merchant account today. You’re going to have to contact the bank or merchant account servicer that you had and find out what and why you have been placed on the list. In 2016, global e-retail sales accounted for 1. sit in all of this? Despite being incredibly hesitant to embrace the. Published on January 30, 2022. Learn More . com offers for a High Risk UK Merchant Account. Many small businesses have been taking their trades online to benefit from the huge online market. 9 trillion US dollars. This year, the world’s two largest gaming regions, North America and Asia Pacific, are expected to account for 78% of global revenues. Our wide network of associates enables our merchant account experts to find you a personalized credit card processing solution. Or diversify accounts for backup and mitigation of processing risk. The High-Risk Gaming Industry. While today, online gambling is very well regulated and organized, some financial entities still believe that certain threats exist. Experience a secure and seamless gambling payment processing solution with PayFasto’s gambling merchant account. 95%. To that point, some. For starters, they provide a higher level of protection for businesses that require greater levels of payment security. Typical reasons for this label is that your account is considered to be at a higher risk of fraud, chargebacks, or a high number of returns. Stripe: Best for owners of multiple businesses and brands. We have solutions for all sorts of. Step 3: The card issuer sends the purchase information to the customer’s bank or the issuing bank to approve or. Online Processing. Specializing in providing high-risk merchant accounts for social gaming, We have been helping Casino , Gaming , Gambling & Poker Merchants. According to Statista, the global media and entertainment market is projected to grow to $2. Beyond that, EMB can also set up a fraud filter for your online payments. Whether you operate in industries like adult products, CBD, or online gaming, finding the best merchant account services that are reliable and secure is paramount to your success. net’s gateway also stores repeat customer payment information and even gives the merchant the ability to provide recurring billing. An online gaming merchant account has tremendous potential for online gamings, sports, and other skill games to maximize their benefit and guaranteed growth for the business. The merchant account should also include a high. Online gaming is thus regarded as a high-risk industry. Our Social Gaming Merchant Account gives real-time authorization response and multi-currency. High Risk Solutions offers merchant accounts for social gaming. is the top service provider for merchants having. However, the number of High-Risk Merchants account providers for online gaming is limited and finding one that can deliver consistently can. These industries include online gaming, adult entertainment, cryptocurrency. The finest investment an online gaming business can make is to look for a high-risk merchant account that is reliable and trustworthy to process payments safely. Obvious examples of high-risk merchants include those in industries like medical marijuana, on-line gambling, or telemarketing. 2. Browse short-form content that's perfect for a quick read. co differentiates itself by its people. You may use it for online and brick-and-mortar companies to handle all debit, credit, and prepaid card transactions. You can begin the process by just applying online now. Also to give the most successful transaction results. Our solid infrastructure allows us to take even greater payment processing risks. But companies like PaymentCloud can help you find competitive processing rates. OFFICE ADDRESS. But there are some surprising businesses that fall into the high-risk category. An easy application process. Where does the U. The majority of online gambling sites are based offshore. A high risk merchant account is a type of bank account that allows a business to accept credit card payments, even if it operates in an industry that is considered to be high risk. Many card processing company and banks consider this as a high-risk. Compared to other business types the gaming business presents a higher risk to the underwriter and that is why this merchant business is called high risk by banks and merchant account providers. fees. 38 billion between 2021 and 20226. Here, we will cover what makes a business high-risk and how a high-risk merchant account differs from a regular merchant account. This includes CBD and Kratom businesses.