High Risk Processing Categories

Online Dating

Subscriptions & Memberships

Web Hosting

Timeshare Sales

Infomercial

Downloadable Software

Telecommunications

In/Outbound Telemarketing

Tours

Travel

Tour Guides

International Merchants

Negative Option

Recurring Billing & Re-Bills

Membership

Continuity

Free Trials

Pharmacy – Pharma (Online)*

High Volume

High Chargeback

Ticket Brokers

Free Trial

Trial Offers

Nutraceuticals

Debt Collections

Collection Agencies

Medical Discount Cards

ID Theft

Multi-Level Marketing (MLM)

Cruise Lines

Auto Warranties

Extended Warranty/Protection

Online Legal Forms

Refinance Kits

Social Networking Websites

Stored Value

Water Purifiers

Business Opportunities

Online Gift Basket

Online School/Education

Pawn Shop

PC Tech Sup (India Based)

Poor Credit

Online Herbal

Online Vitamin

Credit Repair

Debt Consolidation

Loan Modification

Financial

Adult

Bad Credit

Chat Rooms

Hair Restoration Services

Horoscopes

Internet Art Sales

Escort

Companion Services

High Ticket Items

Affiliate

Direct Response

Age Verification*

Auction

Bail Bond Issuer

Binary Options

Forex Websites

Gift Certificates

Gun/Firearm Stores

Internet Collector Coin/Stamp

Internet Electronics

Internet Jewelry Sales

Call Centers

Ecigarettes – Ecigs

Replica*

Sports

Forecasting/Odds Making

Online Exercise Equipment

And Many More!

Selling a products that a merchant does not own?

This is one of the highest risk business models for processors. Known as 3rd Party.

Low Risk

restaurants and most retailers (excluding apparel and jewelry), nationally recognized insurance sales

Medium Risk

health and beauty products, telecommunication services, tuition for schools or universities, attorneys (excluding bankruptcy), utility payments, political organizations

High Risk

money making products/services, charities, monthly memberships/subscription services, insurance, jewelry, software, advertising services

Ultra-High Risk

aggregation, online auctions, event ticket brokers, internet pharmacies, travel/tour/lodging, health/nutrition products offering guaranteed or miracle results.

Typically prohibited by most providers

collection agencies, credit repair, firearms or weapons, bartering, bankruptcy, lifetime or multi-year memberships.

BUT WE SAY YES!