It also includes enterprises where client payment details have an increased risk of exposure. Open a High Risk Merchant Account . Monthly fees: These fees are typically meant to maintain your merchant account. g. Most Merchant account providers use specific criteria to categorize accounts as high-risk or low-risk merchant accounts. It offers and contains all the features just like the regular and domestic merchant account. Low-Risk Merchant Accounts. Discount feeComparing Fees and Terms: High-Risk vs Low-Risk Merchant Accounts. Our services are secure. Low risk industries are generally those that have a low incidence of fraud and chargebacks, and as a result, they typically pay lower processing fees and have fewer restrictions on their accounts. account, you will typically need the following: A merchant A business that accepts credit cards for goods or services. Although obtaining such an account can be difficult and has disadvantages, it can provide a lifeline for such businesses. This is very long compared to the typical month-to-month offering for high-risk merchant accounts, so keep that in mind before choosing them. High Risk Merchant Account – Get Approved in Under 24 Hours. The increased financial risk can make financial institutions hesitant to work with your high-ticket business. To determine if your offshore merchant account is high or low risk, consider factors such as your industry classification, chargeback rates, compliance history, and financial stability. They won’t work with certain industries because they don’t want risk. These include reduced fees and less of a need. 6% plus 10¢ per transaction. However, PaymentCloud also handles payment processing for medium- and low-risk businesses. For example, if you’re a business owner with a bad credit score, and you went through several unsuccessful attempts, you still have a chance to accept credit card payments, but you have to find the. High-risk businesses are those that are considered to be a higher risk for chargebacks or fraud. Low-Risk Merchant Definition. The business is in a low risk industry. Based on various characteristics, credit card processors divide merchants as either high risk or low risk. This gives many merchants the opportunity to fix problems from previous processing partnerships and work towards a low-risk merchant account. 08-$0. However, standard and high-risk offshore merchant accounts that want to take advantage of the global e-commerce sector can use worldwide international. Low-risk merchant accounts tend to enjoy more privileges, such as lower processing fees for every transaction and the ability to negotiate for more favorable pricing and contract terms. high risk merchant accounts is the amount of fees. Laundering payments through a low-risk merchant account allows maximum proceeds while avoiding regulatory limitations. High-risk processors will be able to guide you on ways to reduce your chargebacks and keep your fees low. Here are the best international merchant services that provide international payment processing, international payment gateways, and international merchant accounts for a variety of circumstances. This includes online and in-person credit card transactions, ACH transfers, QR code payments, and cryptocurrency. Fastest application process: Soar Payments. A merchant account is a bank account into which a merchant's payment processor. Companies like Shark Processing help merchants expand their reach globally and tap into new markets, offering convenient payment options to customers worldwide. Payment Depot: Best for Low Fees; Chase Payment Solutions: Best for E-commerce Businesses;. Best merchant services in 2023. account, so you can focus on the best processing options. To define a low-risk merchant account, it’s important to look at the common characteristics of these accounts. A rolling reserve that can be held for up to 180 days (or longer in some cases) after account closure. In most cases, a high-risk merchant account can be approved within 3 to 10 business days of a complete application packet being submitted to underwriting. Low personal credit score, typically 500 or less; Outstand liens on property; Applying to a high risk merchant account provider you must be sure to have all the proper documentation ready and identify the terms and fees that will be coming from the provider. net Gateway. As compared with a high-risk merchant account, low-risk accounts often. High Risk Pay distinguishes itself as a pivotal player for businesses in need of merchant accounts tailored to high-risk profiles. Processes less than $20,000 monthly. In order to apply for a high-risk merchant A business that accepts credit cards for goods or services. Direct Post Integration. Low-Risk Merchant Accounts vs High-Risk Merchant Accounts. Square Merchant Services: Best for Startups. It provides high risk businesses with the necessary tools to navigate today’s eCommerce. Fees for high-risk merchant account processing are generally greater than with low-risk ones. High-Risk & Low-Risk Merchant Accounts: While Corepay can also place low-risk merchants, its specialty is in providing merchant services to businesses that are deemed to be in a high-risk category. If you opt to use Square for online sales, you can expect to pay a higher rate of 2. Keep in mind; they will still need to have good credit, have been around for years, and have a monthly revenue of under $20,000, and do 80-85 percent of their. Read More. Due to its great track record with high-risk. Unlike standard or low-risk accounts, these accounts factor in the financial risks that high-risk businesses face, especially susceptibility to fraud and chargebacks, and how they can be. If you own a business, you understand the value of having a dependable payment processing solution. You need a partner that truly understands your industry, provides transparent and competitive rates, and helps maximize your revenue potential. ccNetPay – Best for a simple pricing structure and EU transactions. A low-risk account may see a processing rate of 0. Here at Shark Processing, our sole focus is securing low-cost, low-risk merchant accounts tailored […] Your business’s merchant account will be categorised as high or low risk depending on your industry, transaction values, chargeback history, and potential exposure to fraud. Running high-risk sales on your lower-risk merchant account will often result in funds being held. YOUR HIGH-RISK MERCHANT PROVIDER. Obtaining a merchant account with bad credit requires multiple steps. A high-risk merchant account will accept the risk and allow you to process. In contrast to a low-risk merchant. A low-risk merchant account, among other things, usually has these characteristics: They accept only one type of currency. You already have a merchant account and only need the NMI gateway. When it comes to credit card payment processing, you might have difficulty getting approved for a high-risk merchant account depending on what vertical you fall in — but it can also be due to a history of fraud, a low credit score, or a high ratio of chargebacks. Your customer pays for your goods or services with a credit card using your POS equipment, a virtual terminal, or a mobile app. Moonlight Payments stands out as a dedicated payment processing provider for high-risk merchants and specialized industries. The other way that payment processing services hedge against risk is to require high-risk merchants to maintain. , UK, Canada, Japan, Australia, Europe) Any country: Currency:Using a high-risk MCC can help you avoid some of the common problems that low-risk businesses face when they deal with high-risk transactions. High-Risk Credit Repair Merchant Account. The third main difference is that a high risk merchant account has an average credit card transaction of over $500 while a low risk account has an average credit card transaction of less than $500. There are additional considerations for the payment process in cases of high-risk accounts. A low-risk merchant account needs to meet many requirements, including a smaller number of transactions, low chargebacks, and low revenue. Help us determine which bank is best suited for your business by giving us a complete picture. Higher transaction fees: Transaction fees for high risk merchant accounts are not cheap. The provider may approve riskier applications but at a higher fee. There are several criteria to determine the risk level of a business: high transaction volume, international payment (geographic location. 541611 - Administrative Management and General Management Consulting Services. High-risk businesses are charged greater processing fees than low-risk enterprises to determine the interchange cost they will pay. Tiered pricing usually offered to bad credit merchants. Currently, consumers’ most preferred payment methods are credit and debit cards. net Learn more about what constitutes a low-risk merchant A business that accepts credit cards for goods or services. For low-risk merchant accounts, these fees can rack up to $15 to $50 per incident, depending on the transaction value. They typically have: Lower transaction volumes and low sales. High-risk merchant accounts typically have higher processing fees to compensate for the risk the payment processor takes on while working with the account. A low-risk merchant may need to meet many requirements; however, the most important are: low revenue, few transactions, and low chargebacks and returns. A high-risk merchant account operates as a specialized business account for high-risk businesses. During the merchant underwriting process, the payment provider will assign a risk level to the merchant account application. You have zero to low chargeback ratio. High-risk merchant account providers that accept travel businesses generally do not disclose their prices, relying instead on a. While they do also accommodate low-risk businesses, they are better suited to high-risk ones. No advantage or low cost is worth it if a provider does not offer adequate customer service. Payment Depot: Best for High-Volume Businesses 3. 1. You can do it online and without waiting. Ultimately, this results in downtime while they resolve the issue. Low-Risk Merchant Accounts. High Risk Pay is one of the fastest growing companies in the credit card industry since 1997. High-risk merchant accounts attract more stringent conditionalities than regular merchant accounts and are more expensive to manage. Luckily, while the process to get one is a little more complicated, there are many benefits to a high-risk merchant account. Lower risk merchants tend to be able to command lower fees and have a better selection of account products to choose from. Here are the major differences between low risk and high risk merchant accounts. Understand more about being in high risk verticals by researching payment review websites with key information. 30 per transaction. 2. , Canada, Japan, Australia and the countries in. Low Risk merchant accounts allow organizations that are deemed low-risk to accept payments online and offline. high risk merchant accounts is the amount of. Higher payment processing fees. Low-Risk Merchant Definition. These gateways are equipped to handle the nuances of risk credit. 1) High-risk merchant accounts. As such, the primary factors that matter with a high-risk merchant account are processing history and industry reputation. A high-risk merchant account is a label your payment processor has given your business. When can you apply for a bad credit merchant account?Everyone can send an application, whether low or high-risk; however, the process might differ. Your fees are contingent on several factors, such as the merchant’s processing history, type of industry (high or low risk) and/or projected sales volume. You are incorporated in a low risk state. HighRiskPay. 5 Best POS Systems For Gyms To Get More Members In 2023 - August 5, 2022. All low-risk Host Merchant Services accounts come with month-to-month billing, but high-risk merchants may have to agree to a long-term contract, in some cases. Stripe: Best for owners of multiple businesses and brands. The average rates for setting up a low risk merchant accounts start from around one hundred and fifty US dollars. Only one type of currency is accepted. 541612 - Human Resources Consulting. 2. : Best for low. Ultimately, this results in downtime while they resolve the issue. Read our Review. We provide merchant account services for both low and high-risk businesses. The industry is low-risk; Transactions are less than $20,000 per. If you’re considered a “low risk” merchant, that’s good news! You can expect to have significantly more choices of merchant account providers than your “high risk” peers. This includes the merchant, the credit card company, and the bank that issues and finances the card. High-risk merchant accounts support online payments worldwide, which could increase revenue and growth. net gateway, you also need a merchant account to fully process payments. For instance, you can benefit from higher approval. Many "low risk" merchants have a majority of their credit card transactions conducted in person ("card present"). These businesses often operate in industries that, for various reasons, carry a higher level of risk. Based on criteria that are developed by merchant service providers, your merchant account can fall into either one of the following: High Risk and Low Risk. Full-service merchant accounts; Accepts most high-risk industries; Full line of countertop and mobile credit. But these obstacles shouldn’t stop you from running your perfectly legal and profitable business. On top of that, there is a $500 cancellation fee. Since account providers consider high-volume merchant accounts to be at higher risk, you will pay more for your credit card processing. High-Risk Merchant Services. Usually offers tiered pricing to bad credit merchants. Have a zero to low chargeback ratio. Some stand out for accommodating high-risk merchants, while others sell a variety of POS systems and card readers, or integrate with popular business apps. com may open an account for a company and close it after a few. This ecommerce store transacts through a virtual terminal and payment gateway. As one of the most trusted merchant account providers available, Payment Cloud has serviced hundreds of popular high-risk merchants. The criteria that merchant account providers use to classify businesses according to the level of risk that they pose are different for each type of merchant, but there are certain aspects that are common to both types. But they can expand the possibility that the merchant will need a high-risk . 95% for every transaction compared to 0. In order to be considered low-risk by underwriters, your business needs to meet the following criteria: Your business processes lower volume. It should be mentioned that there are low-risk merchant accounts that can permit all the . High-Risk Merchant Account vs Low-Risk Merchant Account. 5 Ways To Improve Your Chances Of Getting A High-Risk Merchant Account For. The best merchant account providers help businesses through every step of the process. As your Store starts to get hit with chargebacks, your fees significantly increase and can get your merchant account frozen or terminated, especially when working with low-risk processors such as Shopify Payments/Stripe. When your business is considered one that comes with added “risks” it means that you will be categorized as a high risk merchant and therefore require a high risk merchant account. Many companies consider this to be having a merchant account. If a merchant has a high. PayKings is a high risk merchant account provider that is trusted and proven to process transactions for your high risk business at competitive rates. Because of risk levels, either real or perceived, banks, financial institutions, and credit card companies would rather avoid working with high-risk. Certificate of incorporation. The payment gateway high risk business will differ from low-risk businesses in terms of cost and processes involved. 5% for high-risk merchants. This high level of chargebacks means merchant account processing will require more work, resulting in higher fees to cover these expenses. If you answered yes for more than one, you’re likely classified as a high risk merchant by service providers. Durango Merchant Services: Best for eCommerce merchants. Our payment experts approve 99% of low and high-risk merchants for full-service payment solutions, becoming the #1 provider for payment processing, funding, and so much more. This can rage anywhere from 5-20%. You can expect to. National Processing: Best for Small Businesses 6. The funds from customer payments need to go somewhere with the business name on it. Definition: Low-risk merchant accounts are typically associated with businesses operating in industries that have a lower likelihood of chargebacks, fraud, or legal complications. These include reduced fees and less of a need. . It supports businesses of all sizes, offering both standard flat-rate and interchange plus pricing. Meanwhile, businesses with low or moderate risk are less likely to be targeted for cancellations and other types of deception. Without a high-risk merchant account, ecommerce businesses eventually may face the risk of. Host Merchant Services: Best for large high-risk businesses. With a low-risk merchant account, business owners not only get instant approval but also pay substantially less for merchant account services. 95%. To open, a business needs an EIN and valid business license. Opting for a low-risk merchant account provides multiple advantages, such as lower processing fees. They call their accounts high-risk merchant accounts and charge you more in processing and chargeback. A low volume of transactions, just under $20,000 each month. io’s list of merchant services includes: Full-service merchant accounts;Low risk merchant accounts are merchants running their business with minimal to no chargebacks and have a solid financial history. While many merchant service providers openly advertise their standard, low-risk merchant rates, high-risk account fees are usually less transparent because there are more variables to take into consideration. There are many more advantages of using high-risk merchant accounts -: It offers you long-term growth opportunities. ProMerchant’s rates are 0. Comparing high-risk and low-risk account holders. Low Risk Merchant Account. Ongoing Support. 2. Low-risk merchant accounts are less expensive and have fewer requirements, but are only available to businesses in low-risk industries. All businesses need merchant accounts in order to accept credit and debit card transactions. First of all, it’s important to understand the difference between being a low-risk and a high-risk merchant. These merchant accounts generally have higher chances of fraud and chargebacks. Generally, high-risk business owners can expect credit card processing rates of 0. Processing and Payment Gateway Differences: A high-risk merchant account often require specialized high-risk payment gateways due to the nature of their business. What is a High-Risk Merchant Account? According to Nerd Wallet, a high-risk merchant account is required if a business with a greater risk of fraud or chargebacks — or with certain other. On the other hand, high-risk merchant accounts deal with high-risk items like cannabis, tobacco, firearms, airplane tickets, virtual currencies, and pharmaceuticals. For a high-risk merchant account instant approval, it is preferable to go for a service provider like PayCly which specializes in high-risk companies. In summary, credit repair agencies cannot rely on cookie-cutter solutions for payment processing. November 14, 2021. High-risk merchant accounts are for businesses in high-risk industries that sell high-value products or services, have a history of frequent chargebacks, and have an. - $99 account setup fee, 3 year. Low-Risk Merchant Accounts. High-Risk & Low-Risk European Merchant Accounts. Low-risk merchant account. . This label is often due to the. io as our favorite online credit card processor for cannabis and CBD vendors due to its willingness to work with these merchants when many providers will not. These fees vary according to the processor, with some processors waiving most of these fees. Call us 888-334-2284 or email us at sales@signaturepayments. - Load balancing feature for high risk merchants. Stripe is one of the leading merchant services providers out there. 800-567-3019. Low-risk businesses are easier for merchant service providers to trust. Soar Payments, by contrast, has. They have an average deal value of less than $500. Do I have to buy new equipment in order to process with Goat Payments? No, absolutely not! As a matter of fact, GMS prides itself on having never leased even one credit card terminal. Considering that it really takes a longer period for the setup of these accounts unlike low risk accounts, a day is indeed significantly quicker. in-person; 2. Longer approval times are almost always due to delays while underwriters wait for additional information from the business owner. Friendly Client Support. On the other hand, low risk merchant accounts. Payment processors will categorize your company as low risk when: Your company brings in less than $20,000 per month. Low-risk rates, as low as $99 per month and $. Adept Payments offers high-risk merchant accounts as well as accounts for low- and mid-risk merchants. However, high-risk nonprofits may still be able to get the ETF waived. 05%-0. Helcim : Best All-in-One Platform. com. Low-risk merchant account suppliers are also available along with high-risk merchant account providers. Here is the 4-step process of a debit card or credit card transaction and how a merchant account works:. Many also offer additional tools such as payment gateways, virtual terminals, and point. SMB Global is a self-described "one-stop shop" for payment processing. 24/7 SupportBest high risk merchant accounts at a glance. The terms of the contract may vary from provider to provider, but at the core of the agreement, they are covering their bases. PaymentCloud: Best for high-risk businesses. There are two main types of merchant accounts: a general purpose and a specialized merchant account. This is because acquiring banks are taking on the added risk of processingThe merchant sells to countries that have a high level of fraud. You’ll be thoroughly vetted prior to approval, though, which can take some time. Since account providers consider high-volume merchant accounts to be at higher risk, you will pay more for your credit card processing. High risk merchant accounts come with higher transaction fees, stricter underwriting requirements, rolling reserves, and limited processing options. Payment processors have different guidelines but have common factors around. We chose Treati. In contrast to the application process for a low-risk merchant account, getting a high-risk merchant account can be more challenging because banking institutions prefer to offer low-risk customer. Low-risk business is easy to deal with for acquiring banks, and so a low-risk merchant account usually requires fewer fees, and a simpler setup. 40 per transaction, plus a required 10% reserve (which is standard for most high-risk merchants). The following are some differences between low and high-risk merchant account that you should know: Low-Risk Merchant Account. Your payment service providers will impose a fee when you use your merchant account, accept credit card payments, or agree to pay from your debit cards. High-Risk VS Low-Risk Merchant AccountsLow-Risk Merchant Accounts. In addition to the features and services already mentioned as part of the high-risk merchant accounts, 5 Star Processing also offers the following notable features. Due to the company’s low fees, Helcim only approves businesses for credit card processing that are deemed as “low risk” accounts in the merchant account industry. Genome's fees for some services differ for low-risk and high-risk accounts. 30% + $0. If you end up with one of the 99%+ “Low Risk” Merchant Account Providers, they will handle your account the same way PayPal or Stripe would — approve the accounts quickly and close it quickly. The primary differences include the following: High-risk merchant accounts usually require a much more extensive underwriting process before the account can be approved and you can begin accepting credit/debit card payments Corepay is a newly established merchant account provider that accepts both low-risk and high-risk merchants. In Summary: The 6 Best Virtual Terminals For Small Business. The biggest, and most obvious, difference between a traditional merchant account and a high risk merchant account is the risk level they accept for their services. Our team will go over your documents, and you can start accepting different payments. In the world of merchants, the ability to process credit card transactions is vital to the survival of your business. 3) Moto merchant accounts. A high-risk merchant account is for businesses that operate in high-ticket industries with increased risks of fraud and chargebacks. You’re in an industry that is considered “High Risk”; you are in eCommerce, you run high dollar transactions, your transactions happen in the future, you have poor credit or maybe someone closed your merchant account in the past - now you need a high risk merchant account. 95%. The company specializes in merchant accounts for high-risk businesses. High-risk merchant accounts are payment processing accounts geared to businesses operating in high-risk industries and more prone to chargebacks, fraud, regulatory hurdles, and legal issues. 1) Online payments where the purchase is made via the Internet and not at a physical store. The processing costs for all transactions will often be higher than those charged by low-risk merchant accounts. [1] Statista. Obtaining an adult merchant account can be hard if banks consider your business high risk. , those with both physical and digital storefronts), Moonlight addresses the unique challenges faced by businesses in sectors like. A competitive payment processing fee for a standard retail small-business account might be 2. Cashback and reward points for certain merchant categories must. The truth is that it takes must time to get approved for a high-risk merchant account compared to the traditional merchant account. They can take a little longer to approve, but Treat. Banks categorize businesses into three main groups: high-risk merchants, medium-risk merchants and low-risk merchants. Lower risk of account termination. One of the biggest differences between low risk vs. Triangulation Fraud. Interchange + 0. Merchant services allow businesses to accept credit and debit card payments. Are You a High Risk or Low Risk Account Merchant? Before you can begin researching merchant services providers, you need to ask yourself a few questions about the. Riskier companies may still be approved, but with. Your merchant account provider will send the transaction details through its backend processor to the customer’s card issuer . In 2021, consumers paid for 70 percent of their purchases with a credit or debit card. If you want to register for credit card processing and a merchant account, you must determine whether you are a low-risk or high-risk merchant. SMB Global. Flagship Merchant Services: Best. SMB Global. You have a zero to low-chargeback ratio. However, Corepay is here to help, by using our many years of expertise and. A merchant account scam is designed to be appealing to new merchants and startups, especially high risk merchants. Lastly, it is important to recognize that creating a high-risk merchant account involves a lot more than just setting up a system. Square. You’ll likely pay higher in merchant account and payment processing fees. What We Look For in the Best Merchant Services 1. Your average ticket size is significantly. Merchant Accounts with High Vs. io can offer merchant account approval for most low-risk businesses in about a day. The E-COMMERCE BROKER company helps to register a merchant account for Visa, MasterCard, American Express, and for a number of other brands of plastic cards and payment wallets. A new business may have to rely on high-risk merchant account services until it has enough history to qualify for a traditional low-risk merchant account. SMB Global Overview. General characteristics of a low risk merchant account. That said, business credit experts have identified low risk industries for business credit that have a higher level of “fundability. 95%. Reduction in Processing Delays. A merchant account is a reliable and fast way to receive money transfers from bank cards online, and this tool allows you to expand the. Durango Merchant Services: Best for eCommerce merchants. MATCH List. Define your project needs. Here at Shark Processing, our sole focus is securing low-cost,. For example, you will be considered as a low-risk merchant if your business has $20,000 or less monthly sales,. Transaction processing rates are notably higher than the company’s low-risk rates, but the lack of account fees makes it a great alternative to getting a traditional high-risk merchant account. To qualify for low risk merchant accounts, your business must: Process less than $20,000 per month, Have an average ticket size of less than $50, and. clothes, shoes, kitchenware, food. A low-risk merchant account needs to meet many requirements, including a smaller number of transactions, low chargebacks, and low revenue. We accept most legal high-risk merchants industries. Low Risk. The first thing most merchants will notice is higher fees. Industry is considered low risk e. While the vaping/e-cigarette industry is highly profitable, banks and credit card processors also consider it high-risk. An International Merchant Account is a specialized financial service enabling businesses to accept and process customer payments across different countries and currencies. Applying for Your Merchant Account. Easy Pay Direct is a payment gateway and merchant account provider that serves a wide variety of high-risk and low-risk industries. There are no application or setup fees when signing up for an account. A high-risk gateway is compatible with. All according to this analysis your application is either. Payline — Best for businesses looking for affordable interchange rates and who use Visa and Mastercard. The high-risk merchant account holder will gain the wisdom to successfully navigate the market and maximize sales and profits after making a few risky transactions. Our payment gateway services give you access to information regarding your merchant account solutions. Once we have placed your business with a suitable high-risk banking partner, we will work with you to. 30% + 10¢ per online and in-person transaction versus Clover’s 2. Best for chargeback monitoring: SMB Global. Founded in 2012, Easy Pay Direct competes with some of the older merchant account providers available. This may include per-transaction and chargeback fees as well as setup, cancellation, and other. The Best Merchant Account Services. Hence, its functioning is a little bit different from the usual low-risk merchant accounts. And with evidence showing that 75% of eCommerce businesses saw an increase in fraud attempts in 2021, it’s more important than ever to understand high-risk transactions, as. Gspay. Chargebacks on merchant accounts for bad credit can be a problem for the business owner. The business or the owner has a bad financial history. The high risk gateway services. A high-risk merchant could be required to seek additional agreements, an early termination fee, or. Durango Merchant Services has been in the hard to acquire and international electronic payments industry for over 20 years. Registration fee: Once your account is set up, you’ll need to pay a 500 USD registration fee to VISA and Mastercard. Banks won’t onboard any business category that poses a high financial and reputational risk. Typically, monthly fees range from $10 to $50. Treati. clothes, shoes, kitchenware, food. PaymentCloud: Variable monthly account fee. Level 3 processing is easy with the PayKings high risk payment gateway. options above. Your average ticket size is significantly less than $50. Low Risk. We offer custom-tailored solutions to merchants in the CBD oil industry that need a payment gateway for selling their CBD products in an online market. And while they cater mainly to high risk merchants, their services are also available to lower risk businesses looking for trustworthy,. Offers Paysley QR-code payment service. 9% + 30¢ online. Payment processors will categorize your company as low risk when: Your company brings in less than $20,000 per month. processing application (MPA) that is signed and completedHigh-risk merchant accounts allow risky business ventures to take credit/debit card payments from customers. Average card transaction is below $500. Merchant One: Best for Flexible Pricing. 2. Processes less than $20,000 monthly. Ultimately, a high-risk ACH account. low-risk merchantsBelow are the distinctions between a low-risk merchant account against a high-risk merchant account. Reading Time: 8 minutes The vape and e-cigarette industry is nothing short of electric.