High-Risk Merchant highriskpay.com Review

Have you ever been in trouble for keeping a merchant account for your business, especially after getting labeled as “High-Risk”? Fret not, you are not the only one encountering the problem, as the list is never-ending.

A high-risk merchant account is a kind of business bank account setup by a payment processor that allows merchants to accept crest and debit cards for business, even though they are tagged as a high-risk business. The funds collected will then be moved to the merchant’s business checking account within 2 days on average.

But since the process involves the potential risk of money laundering and fraud, only a few providers take the chance and get into the business of offering High-Risk merchant accounts. One of them is High-Risk Pay. As the name applies, this provider handles high-risk accounts and is specialized in offering payment processing to high-risk companies.

However, since this platform has been launched lately, most businesses are not aware of its benefits and feel confused if they should entertain this site or not. Hence, we have reviewed the site and outlined a detailed review to help you decide. Scroll the page and pen down our thoughts.

A Quick Glimpses into High-Risk Pay

A one-stop merchant account solution, High-Risk Pay is best known for handling payments to high-risk merchant accounts with bad credit or in industries with a likelihood of money laundering. This site is open for all, and you can open an account whether you are a small or medium business, enterprise, B2C, e-commerce, or any other.

Moreover, it accepts all major credit cards regardless of credit. So, what keeps you thinking? Sign up for this merchant account provider right away and let them handle your payments.

The key features of High-Risk Pay are mentioned below.

  • It doesn’t care about bad credit.
  • No set-up charges
  • 99% Approval Rate
  • No application fee
  • Quick 24-hour approval
  • Chargeback prevention
  • Next-day funding

What else do you need?

How to Sign up for High-Risk Pay?

Now that you know about the overview and key features, let’s elaborate on the step-by-step guide to the signup process. Unlike other high-risk merchant account providers, this site prefers to keep things simple and hassle-free. You don’t have to go through long manuals or tutorials to understand the sign-up process. It’s as simple as A.B.C.

Shall we begin?

  • Visit the official site of High-Risk Pay and scroll down to the signup form.
  • There, you must enter your First Name, Last Name, Email id, Phone Number, and Website. Make sure to enter the appropriate information in order to avoid an unnecessary workaround later on.
  • Once done, tap on the “Get my merchant account” option, and it’s done.

What services are offered by High-Risk Pay?

Let’s move on to the services offered by High-Risk Pay to understand whether the platform is worth giving a try or just begging for fake attention. Here’s a quick rundown of the services offered by the high-risk pay. Let’s get into it.

  • Credit Card Processing

The first and foremost is credit card processing. This website doesn’t hesitate to process high-risk credit cards, thus allowing businesses to manage their payments easily. It lets you accept all of the major credit card brands to make payments a breeze.

  • Recovering lost recurring sales

The second best service offered by High-Risk Pay is recovering lost recurring sales. Let’s admit – it’s no wonder that high-risk businesses are at the stake of a high loss rate, no matter how carefully they do their transactions or carry out the process. That’s where the High-Risk Pay comes to the role. It helps you recover lost sales and safeguards the future ones.

  • ACH Processing

Yet another service that makes this platform worth appreciating is ACH processing. It lets you process electronic checks and e-transfers, thus expanding your customer base. The bonus of ACH transactions is hidden from none. These payments only have a 60-day window for disputes compared to 180 days in the case of credit cards. They also have a lower risk of fraud.

  • Payment Gateways

One benefit we shouldn’t forget about using this payment provider is its tons of payment gateways. For starters, your payment gateways connect you as the merchant with the payment network, thus allowing you to accept a range of payment methods.

Is High-Risk Pay Legal and Safe?

Here comes the most awaited part of the review!! Since this platform is set up to facilitate those with bad credit cards or involve in a high-risk business, people often wonder whether they should opt for this account provider or not.

On the basis of high demand and tons of searches, our team has deeply evaluated the website and come up with a positive nod. The site is legal and safe to use, so you don’t have to worry about your data privacy or transactions.

It offers fraud protection by identifying fraud-prone accounts and their affiliates. The site is also helpful in recovering lost sales, thus protecting you against unwanted losses.


That’s all about our thoughts on High-Risk Pay. We hope our research will help you make a decision. While we have reviewed this site from the inside and out, businesses are still advised to compare its features with some of its competitors before making a final commitment.

Although this site offers tons of services and charges no setup fee, it still comes with certain downsides, like poor customer service that might disappoint the users. Hence, do not make any decisions in haste, and use your wits when making a choice.

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