![]() ![]() ![]() High-risk industry: While a merchant may have a spotless record, they may be labeled high-risk because the industry they are working in is considered to be at a higher risk of fraud, returns or chargebacks.New merchant: If a merchant has never processed payments before or only has a minimal history of processing transactions, they may be considered high-risk simply because they don’t have a track record.Accepting international payments: If a merchant sells to customers internationally in countries that are listed as high risk of fraud, they may be considered high-risk (any country except the U.S., Canada, Japan, Australia or the countries in Europe).If a merchant processes over $20,000 in payments per month or has an average transaction of $500 or more, they may be classified as high-risk. High transaction volume: Merchants may be considered high-risk if they have a high volume of transactions or have a high average transaction rate.Every provider has a different set of criteria, but here are some general guidelines around what may be labeled high-risk: There are many reasons a payment processing platform may characterize your account as high-risk. Reasons a Merchant May Be Considered High-Risk Still, you’re not out of luck, as many vendors specialize in serving high-risk businesses. A payment processor may label a merchant account as high-risk if they’ve determined your business account is at higher risk for chargebacks, fraud or a high volume of returns. The greater the risk, the harder it will be to find a traditional bank or payment processing service provider. ![]()
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