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Larger, high-volume businesses receive lower processing rates and often get more generous contract terms.

This can save you a lot of time and effort in wasted applications to providers who aren’t going to approve you.If you’re having trouble getting approved, take a look at our top picks for high-risk merchant accounts.The first thing to understand about high-risk businesses is that your processor will determine whether you fall into one of their high-risk categories when you apply for a merchant account.While the exact criteria for determining high-risk status vary from one provider to the next, the following factors are usually used to determine whether a business qualifies as high-risk: Below is a list of business types that are often considered high-risk.While this list doesn’t cover every single possible high-risk business, it does include the categories that are most often regarded as high-risk.

Either you’re high-risk, or you’re not – there is no middle ground.