Get Your High-Risk Merchant Account approved Instantly

We understand the unique needs of the different online Businesses and have established 24+ acquiring banking relationships worldwide to become an expert in getting High, Medium & Low Risk Merchant Accounts set up and accepting online payments.


Smart Solution for Your Payment


Payment processing for licensed Crypto exchanges dealing in digital assets.


Payment processing for licensed Crypto exchanges dealing in digital assets.


Payment processing for licensed Crypto exchanges dealing in digital assets.


Payment processing for licensed Crypto exchanges dealing in digital assets.


Payment processing for licensed Crypto exchanges dealing in digital assets.


Payment processing for licensed Crypto exchanges dealing in digital assets.

Web Designing/Services

Payment processing for licensed Crypto exchanges dealing in digital assets.


Payment processing for licensed Crypto exchanges dealing in digital assets.

Credit Repair

Payment processing for licensed Crypto exchanges dealing in digital assets.


A High-Risk Merchant Account is a type of merchant account primarily for businesses suspected to be high-risk for any reason. Like traditional merchant accounts, it allows merchants to process credit cards, debit cards, and other payments from customers. Service providers offering High-Risk Merchant Account services may often charge higher and require a “rolling reserve” – a percentage of sales held in reserve and used to offset any chargebacks. However, this rolling reserve gets eventually reverted to the merchant, and it can have a remarkable impact on the merchant’s cash flow.

That’s where EskayPay takes appearance. We assist merchants to get approval for a High-Risk Merchant Account. Under our expertise and with our expert team, it becomes pretty easy for you to deal with obstacles.

When do you require a High-Risk Merchant Account:

  • You don’t have a spotless financial records
  • You are involved in the high-risk industry
  • You sell high ticket items or recurring subscription
  • Your business has a high chargeback rate
  • You want a higher level of security or fraud protection technology
  • You have lost your previous merchant account due to a high chargeback ratio.
  • Questionable sales and marketing tactics.
  • Potential legal and financial liability.
  • Your credit is awful.
  • Industries with excessive chargebacks or fraud incidents.
  • Trial continuity business.

Previous credit card processing is not good enough.

  • You’ve been branded as a terminated merchant (TMF)

The high-risk merchant account categorization depends on your business’ industry. Regardless of your individual businesses’ track record. In addition, the high-risk category includes businesses that are declined by previous credit card processors. And, businesses that are on the MATCH or TMF list. Also. The companies whose owners have bad personal credit or low credit scores or businesses outside the US.

  • Document Preparation
  • Downloadable Software
  • Educational Software
  • Electronics Business
  • Extended Warranties
  • Financial Aid Consulting
  • Financial Services
  • Fine & Cosmetic Jewelry
  • Insurance Providers
  • Magazine Subscriptions
  • Air & Water Filtration
  • Antiques & Collectables
  • Apparel Sales
  • Auto Parts & Accessories
  • Auto Transport
  • Businesses with Bad Credit
  • Beer, Wine & Liquor Sales
  • Computer Hardware
  • Debt Consolidation
  • Discount Buying Service

When a business gets labeled high risk, merchants still can accept credit payments. However, these businesses are subjected to higher processing rates. Additionally, banks can request a reserve on a business’ credit card processing.

Sometimes, high-risks merchants can get banks to reclassify a business. However, it is not easy considering the many factors that led to the classification. A positive credit card processing history of at least six months or a small number of chargebacks and refunds can trigger a reclassification. Banks expect a chargeback rate of less than 1% of a business’s total transactions.

Our team at EMS works hard to help national and international businesses process credit card payments quickly and efficiently. We also offer a host of other financial and payment solutions that allow high-risk merchant accounts to grow and prosper.

We offer:

  • ACH Processing
  • Business Funding
  • Chargeback Dispute Resolution and Prevention Programs
  • Instant Check Processing Solutions
  • High-Volume Payment Solutions
  • Merchant Cash Advances
  • Mail Order/ Telephone Order (MOTO) Processing
  • Online Payment Gateways
  • Point-Of-Sale (POS) Solutions

In addition to having significant experience working with high-risk merchants, we also maintain a positive reputation because of our fair, customized pricing options and quality customer support.

One of the reasons we were named the number one high risk merchant account provider and processor by Top Credit Card Processors five times is because we pride ourselves on being there for our customers when they need us most. As a BBB Accredited Business with an A+ rating, merchants also can feel confident working with us.

We are focused on providing customers with positive experiences. To ensure all needs are met, our support staff is available 24 hours per day, every day to answer questions. Don’t hesitate. Start the process today.

At EMS , we believe every business deserves a chance to thrive. That’s why we help domestic and offshore high-risk merchants process credit cards.

We provide credit card processing to all businesses, including these industries:

  • Adult Entertainment
  • Airlines
  • Credit Repair
  • e-books
  • Electronics
  • Gaming
  • Nutraceutical
  • Tech Support
  • Telecommunications
  • Travel
  • Warranties

We like to give all businesses a chance, even those with less than perfect credit or past bankruptcies. Additionally, we work with startups with little or no credit history, companies that were hit with chargebacks and returns, and merchants that had accounts terminated by banks.

All client information is kept secure and confidential and we streamline the application process, making it simple and easy. Our high-risk merchant account provider can get credit card transactions processed online in no time. Fill out an application today.

EMS specializes in payment processing solutions for businesses that require high-risk merchant accounts to process credit card payments.

Banks classify businesses in certain industries, as well as many online businesses, as high-risk merchants for a variety of reasons, including large numbers of chargebacks. Chargebacks are the fees credit card providers demand businesses pay to cover the losses from disputed or fraudulent transactions.


A bank’s underwriting guidelines determine whether a merchant is a high risk. Therefore, each financial institution or processor calculates risk differently. Basically, chargebacks and fraud determine risk. The more likely a business is expected to have a large volume of chargebacks, the greater the risk.

For instance, travel sites are classified as high risk because they are more vulnerable to cancellations due to outside factors, such as weather. Adult entertainment is another industry that accrues numerous chargebacks. It is not unusual for customers to use adult entertainment sites and then, ask for a refund, claiming they never visited the sites. Many other types of businesses, such as gambling, nutraceutical, online dating, and credit repair sites, also are considered high risk due to the likelihood of more than typical numbers of chargebacks.

Though one factor alone likely will not determine whether a business requires a high-risk merchant account, these factors influence the decision:

  • Business Location
  • Business Size
  • Credit History
  • Credit Card Processing History
  • High Chargeback Ratios
  • Type of Industry
  • Whether a Business Exclusively Operates Online

Though most merchants only become high-risk accounts after they have racked up excessive chargebacks, some find advantages to these accounts. Increased sales volume allowances, multi-currency options, and recurring billing are benefits to using high-risk payment processing.



Don’t take our word for it.

Join the 20,000 + users who love us already!

Shams W.Pawel

“I have worked with this company for a little over 6 months. So, they have provided superior service to me and my clients. The company has a relationship with most, if not all of the top processors. Needless to say, they have years of experience in the payment processing industry. There turnaround time in getting MIDs to you is very fast. Professionals are keeping you up to date during the process. I give them a 5 star because they are always going above and beyond!”

Eli Burbank

“We spent a lot of time trying to find the right solution for merchant services. Merchant Stronghold were extremely helpful and successful in securing and guiding us in the right direction. Their personal attention to detail and customer support is the best we have experienced. We would recommend Merchant Stronghold for all processing needs. Thank you again for being an excellent partner.”

Shawn Varughese

“I just want to take this time to quickly give some great feedback from our team. You have done a great job working with us and getting us through this complicated process of getting us a payment processor for our website. I appreciate your quick response times to all our inquiries and keeping us updated on all actives that were being done in a very timely manner. We know you worked very hard to get our process completed and the work you have done is great and we really appreciate it! ”

John Hwang

“Writing to express my gratitude for the excellent service I’ve received thus far from Stronghold. He’s been great with following up and answering my questions, as well as getting me to act on my deliverables. I look forward to our continued collaboration. ”

    Benefits you get with EMS

    Enhance your transaction approval rate

    Numerous payment methods


    Seamless checkout experience for your customers

    Process MOTO payments flawlessly with our Multichannel payment processing

    A highly secured solution to safeguard your business

    Fraud protection & chargeback mitigation tools


    A reliable technical support team to assist you in your needs