Determine your Risk Level  

There are various classes in Business but let’s start with the major ones. Does your business fall under any of these categories?

High Risk
We specialise in High Risk Merchant Accounts, High Risk ACH processing, and High Risk merchant services. We approve practically every business type, even if you have been turned down for payment processing. With more than a decade of experience, our team is here to help. Even if you have been shut down by your current processor, we have a solution for your particular situation. We’re available to answer any questions and provide ongoing continued support for our valued customers.

High Risk Merchant Accounts are offered for clients who may have one or more of the following characteristics:


  • Businesses vulnerable to frequent Chargebacks

  • Blacklisted Companies

  • Industries with Poor Reputations

  • Businesses vulnerable to Fraud

  • New Businesses

  • Companies that primarily accept card-not-present transactions

  • Businesses with Recurring Billing Cycles


Medium Risk
iPayTotal Merchant Account Services are offered for all types of Merchant Account. Be it High Risk or Low Risk or even Medium Risk, we are professionals who have been in this industry for over a decade. We definitely have a solution for your particular situation. We have been dealing with clients with a plethora of situation and you’d be surprised to know we have been able to execute all of them quite smoothly.

Low Risk
Whether you own restaurant, retail shop or E-commerce site, lower fees and a bump in revenues can potentially make a big jump in your take-home income. It can even make the difference between profit and loss.

Low Risk merchant accounts are generally similar in nature, offering a range of features such as:


  • Businesses with recurring Billing Cycles

  • Credit/Debit Card, ACH and eCheck payment services

  • 24-hour Customer Support

  • Sophisticated Online security measures

  • Tracking Services

  • Offshore, Onshore and International Accounts


In order to obtain a High Risk Merchant Account, a Medium Risk Merchant Account or a Low risk Merchant Account, you will be required to fill in the form and necessary documentation. Thereafter you will be provided with a Merchant account that best suits the nature and requirement of your business, in resonance with the information provided by you.

To know more schedule a free consultation today.