About Us

Company overview

A high-risk merchant account is a payment processing account for businesses considered to be of high risk to the banks. As high-risk businesses are more prone to chargebacks, they come with the need for paying higher fees for merchant services.iPayTotal provides high-risk merchant account payment solutions for businesses and consumers around the globe.

Our highly experienced and educated team has more than a decade of experience within the industry. Our main aim is to safeguard our clients from fraudulent services and provide them with the solutions which mainstream banks refuse to provide. We offer these solutions in integrated packages that will seamlessly adapt to your company card payment requirements. We process for both low-risk and high-risk merchant accounts.

High-risk merchant accounts are a subset of services that allow businesses to accept card payments from customers. Credit card processors assign merchants to one of two categories: high risk or low (normal) risk, based on a number of factors.

High-risk merchants face limited choices in processors, plus higher fees and stricter contracts. Being labeled as high-risk sounds bad. But in some scenarios, it can be your best option.

Our international connections with Acquiring Partners give us the edge to offer reliable credit, debit, and Echeck processing to almost every high-risk industry, no matter if you are located in the USA, Australia, Latin America, EU, or Africa. We have the capabilities of securing the right payment processor for your high-risk merchant account. Today, consumers expect to shop for your products or services online, therefore it is vital to offer a secure and efficient E-commerce experience, otherwise, you’re missing out on significant sales revenue. We understand your need to offer a hassle-free solution. We review your business details and select appropriate banking partners amongst our network of banking partners and regulated EU payment institutions. For no additional fee, we work closely with you throughout the application process.

Our goal is to have your account approved as soon as possible with the most competitive rates.
Typically within 5-8 days, your account will be approved. Integrate your website with a selected payment gateway or use a Virtual Terminal to accept credit card payments. Tailor-made packages includes an arrangement of a merchant account (MID) with one of our EU/UK or international banking partners, with an award-winning payment gateway service, reporting tools, integrated fraud-prevention, and free dedicated lifetime support. We bring transparency and standards to the high-risk payment processing industry, providing businesses with the most competitive deals in high-risk merchant accounts suited to their needs – not just for now, but long-term.

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In August 2019, we fly to UK to meet the CEO, we were greeted like a king and that alone has touched me on a professional level. I must also thank James Smith for all his support and advice they have been providing to us and these are simply working fantastic so far for our company. We get our settlements on schedule, no questions asked. Extract from Trustpilot ratings.

Avery Mendell
Business Development Manager, Arco Globus Intl
Adaptability 100%
Risk-Free 100%
EU Regulated 100%
We are TRULY Global

How are we different?

We believe in fostering real long term relationships with our clients, and always go the extra mile to ensure customer satisfaction. We offer 24/7 technical support to effectively tackle any issues that arise. It is our mission for your business to flourish and grow with our services. We believe it is of the utmost importance that the needs and expectations of clients are clearly defined and translated into prerequisites that are fully met. Through the correct application of our Quality Management System, we can guarantee the highest degree of satisfaction.

Our banking partners have been carefully selected to best assist our customers to secure high-risk merchant account solutions for their business sectors. We have chosen the banks with the highest integrity and methods, adding confidence to your payment processes, to get you the most competitive fees for high-risk industries.

We offer the kind of value and personalized service your business needs to get off the ground and continue to grow. Our support team will work with you to identify the best merchant options and payment products to fit your needs. Furthermore, whether you have a question about your merchant account, need help with chargebacks, or have a question about your statement, our representatives are here to help 24/7. Our team will prepare a solution tailored to your business. We combine the right technology with service and support to guarantee you never miss out on a business opportunity.

At iPayTotal, we combine our technical skills with our simple, straightforward approach.

iPayTotal can assist you in creating your high-risk merchant account and guide you through banking underwriting procedures during the on-boarding process. Regardless of whether you require an account for your start-up, a subscription account, a pharmacy merchant account, a travel merchant account or set up an offshore merchant account, iPayTotal can efficiently help you secure with lowest rates for your high-risk businesses.

Your Partners in Payments
Our Mission & Vision

The Team at iPayTotal  have a unique knowledge of the high-risk payment market, thus enabling us to give the best possible guidance and advice to set up payment acceptance solutions for you.

Our banks have been selected to assist our customers to get the most secure high-risk merchant account solutions for their business sectors. We have chosen the banks with the highest integrity and methods, adding confidence to your payment processing solution, to get you the best transaction fees for high-risk sectors.  Our Vision is driven to provide you the most safest and stable solutions for all your processing needs.

What is a high-risk merchant?

The more chargebacks a business comes with, the higher the risk. Hence, the main factors that matter are industry reputation and processing history (it’s recommended to keep your chargeback ratio lower than 0.9% of your total transactions).

Here are overall characteristics of a high-risk merchant, but note that it widely differs based on a certain payment processor’s guideline:

  • More than $20,000 monthly sales volume
  • Average credit card transaction higher than $500
  • A business sells products and services to countries known for high levels of fraud
  • Bad credit history and excessive chargebacks.

An example of high-risk businesses in the travel industry, as there are various factors there that can cause cancellations. This usually ends up with a number of refunds and customers who file chargebacks. Some others are gambling, forex trading, and adult-themed websites, to name a few.

There are many other industries or business models that are prone to chargebacks, so here’s the list of the most common types of businesses that need high-risk merchant accounts.

High-risk merchant account fees

Speaking of fees, the harsh truth is that high-risk merchant accounts cost more than accounts for low-risk businesses. There are inevitable costs that you have to face, so you need to prepare to pay more in processing charges and account fees.

But you should be aware that high fees for high-risk merchant accounts were set as a standard many years ago and today you can find payment processors that offer competitive rates tailored to your business.

How do I apply for a high-risk merchant account?

If you are an eCommerce high-risk company, iPaytotal has got you covered. Get pre-approved in as little as 24 hours for difficult to obtain high-risk merchant accounts – our team of experts considers the business type, business model, and restricted service or product types – all through iPaytotal high-risk payment gateway and direct network of 20+ banks and PSP’s.

See how quick and easy it is to get pre-approved today for high-risk merchant account rates as low as 3.5 % by filling out our form.

We can set you up within 24 hours .

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