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High-Risk Payment Processing

High-Risk Merchant Account Underwriting: A Guide for Merchants

| February 5, 2026
High-Risk Merchant Account Underwriting: A Guide for Merchants

Learn how the high-risk merchant account underwriting process works, what the most common red flags are, and how to get (and stay) approved.

If you apply for a high-risk merchant account, underwriting is unavoidable. It’s the process banks and payment companies use to decide whether they can safely let your business process credit and debit cards — and under what terms. For “high-risk” businesses, this process is more detailed and more demanding. That’s because certain industries and business… Continue reading High-Risk Merchant Account Underwriting: A Guide for Merchants

How to Negotiate a Better Merchant Services Rate and Agreement

| January 20, 2026
How to Negotiate a Better Merchant Services Rate and Agreement

Learn how to lower your payment processing rates and negotiate a better MPA — without falling into the “best rate merchant services” trap.

Many merchants — especially high-risk businesses — assume their processing costs are fixed simply because providers frame them that way. In reality, only part of what you’re paying is truly set in stone. Let’s be clear upfront: this guide won’t promise miracle savings or claim you can negotiate interchange rates set by card brands. That’s… Continue reading How to Negotiate a Better Merchant Services Rate and Agreement

8 Best US High-Risk Merchant Service Providers in 2026

| December 19, 2025
8 Best US High-Risk Merchant Service Providers in 2026

Looking for a high-risk merchant account? Take a look at our side-by-side comparison of the best US high-risk merchant service providers.

As banks and card networks continue to tighten underwriting rules and chargeback thresholds, more businesses than ever are being labeled “high-risk.” When you end up in that category, opening — and keeping — a merchant account with a standard bank or a payment aggregator like PayPal or Stripe becomes extremely difficult. Even if you are… Continue reading 8 Best US High-Risk Merchant Service Providers in 2026

Visa VAMP Explained: New Rules, Thresholds, and Compliance Tips

| November 26, 2025
Visa VAMP Explained: New Rules, Thresholds, and Compliance Tips

Learn how to comply with VISA VAMP by understanding new rules, thresholds, calculations, and steps for reducing fraud and disputes.

If you accept online Visa payments, you’ve probably heard rumblings about something called VAMP. Maybe your processor mentioned it in passing, or you got an email full of terms like “portfolio monitoring” and “thresholds.”  Visa VAMP (Visa Acquirer Monitoring Program) is a new, all-in-one rulebook that changes how Visa measures fraud and disputes across its… Continue reading Visa VAMP Explained: New Rules, Thresholds, and Compliance Tips

How To Open an Adult Merchant Account

| November 12, 2025
How To Open an Adult Merchant Account

Learn the steps and documentation needed to open an adult merchant account and keep processing without fear of freezes or shutdowns.

Opening and running an adult business inevitably comes with a set of payment processing challenges. Whether you operate an adult content site or an online toy store, you’ve probably noticed that many banks and traditional processors shy away from adult transactions.  The industry is labeled “high risk” due to higher chargeback rates, strict compliance rules,… Continue reading How To Open an Adult Merchant Account

Stripe Account Frozen or Closed? What It Means and What to Do Next

| October 22, 2025
Stripe Account Frozen or Closed? What It Means and What to Do Next

Find out what to do if Stripe freezes or closes your account. Learn recovery steps, payout timelines, and high-risk processor alternatives.

Few things are more frustrating than waking up to find your Stripe account frozen or closed. Your payouts are stuck, new payments can’t go through, and Stripe’s emails don’t exactly explain what went wrong. Stripe is a great platform for many startups and eCommerce brands. However, if your business could be considered “high risk”, you’re… Continue reading Stripe Account Frozen or Closed? What It Means and What to Do Next

Getting a High-Risk Merchant Account and Gateway for Shopify Merchants

| October 14, 2025
Getting a High-Risk Merchant Account and Gateway for Shopify Merchants

Learn how to set up a Shopify high-risk merchant account and connect a third-party payment gateway with your Shopify store.

Selling high-risk products on Shopify can be tricky. While Shopify makes it easy for most businesses to start selling online, its in-house payment solution, Shopify Payments, doesn’t support every type of business. If your store falls into a “high-risk” category, you might find your account suddenly on hold — or worse, terminated. To avoid that,… Continue reading Getting a High-Risk Merchant Account and Gateway for Shopify Merchants

How to Manage and Prevent Merchant Account Holds and Freezes

| September 5, 2025
How to Manage and Prevent Merchant Account Holds and Freezes

Learn what a merchant credit hold for review means, how it differs from a freeze, what to do if it happens, and how to avoid it all together.

Nothing slows a business down faster than a sudden hold or freeze on your merchant account. When this happens, your cash flow is disrupted, daily operations take a hit, and customers can quickly lose trust if payments can’t be processed. This article will help you understand the difference between a merchant account hold and a… Continue reading How to Manage and Prevent Merchant Account Holds and Freezes

Terminated Merchant Account: What to Do If Your Merchant Account Gets Closed

| August 20, 2025
Terminated Merchant Account: What to Do If Your Merchant Account Gets Closed

Your merchant account is terminated? Learn why accounts get closed, how to secure your funds, and where find a new merchant services provider

Having your merchant account suddenly shut down can feel like the rug’s been pulled out from under your business. Payments stop, cash flow takes a hit, and the clock starts ticking to find a fix before your operations grind to a halt. Accounts get closed for a handful of reasons — from your processor deciding… Continue reading Terminated Merchant Account: What to Do If Your Merchant Account Gets Closed

An Overview of High-Risk Merchant Account Fees and Rates in 2026

| June 15, 2025
An Overview of High-Risk Merchant Account Fees and Rates in 2026

We list and explain all of the high-risk merchant account fees and associated rates based on industry averages.

High-risk merchants operate in industries that payment processors see as unpredictable or more likely to experience chargebacks, fraud, or regulatory issues. Think CBD, adult content, travel services, subscription boxes, and other sectors where risks (real or perceived) make banks nervous. As a result, high-risk merchant account fees and rates are higher than those of traditional… Continue reading An Overview of High-Risk Merchant Account Fees and Rates in 2026

How to Open a High Risk Merchant Account

| March 11, 2025
How to Open a High Risk Merchant Account

Learn what the application requirements are, how to compare and vet potential providers, and how to open a high-risk merchant account.

Some businesses are naturally riskier than others — at least in the eyes of banks and payment processors. If you run a high-volume merchant account, sell CBD products, offer travel packages, or operate in industries with high chargeback rates, you’re likely considered a high-risk merchant. For businesses like yours, getting a standard merchant account can… Continue reading How to Open a High Risk Merchant Account

A Merchant’s Guide to Chargeback Management 

| January 19, 2025
A Merchant’s Guide to Chargeback Management 

Learn what chargeback management is, what it covers, and what are the best ways and tools for streamlining chargeback dispute management.

Whether they stem from customer disputes, friendly fraud, or even criminal activity, chargebacks can pile up quickly, putting your revenue, reputation, and even your ability to process payments at risk. Chargeback management can feel like an uphill battle. It’s a time-consuming, detail-heavy process that involves strict deadlines, extensive documentation, and constant analysis. If you’re not… Continue reading A Merchant’s Guide to Chargeback Management 

Get a High-Risk Merchant Account and Credit Card Processing

| March 3, 2024
Get a High-Risk Merchant Account and Credit Card Processing

Learn about the requirements, fees, and application process involved with high-risk merchant accounts and credit card processing services.

High-risk merchant accounts and high risk merchant processing services by SecureGlobalPay offer a lifeline for businesses that struggle to secure traditional merchant services because of the nature of their business, higher chargeback rates, or other risk factors. With over 25 years of experience, we look forward to speaking with you. If your business falls into… Continue reading Get a High-Risk Merchant Account and Credit Card Processing

Choosing a Telemedicine Payment Provider

| November 17, 2022
Choosing a Telemedicine Payment Provider

SecureGlobalPay is an online telemedicine payment provider specializing in merchant accounts and payment gateway processing solutions

SecureGlobalPay is a telemedicine payment provider specializing in assisting healthcare organizations with their merchant services and online payment gateway processing needs. They provide merchant account payment solutions to help streamline their business operations to become more efficient when providing virtual health services. They do so by bringing together several different technologies and processes that allow… Continue reading Choosing a Telemedicine Payment Provider

Guide to Choosing a Merchant Account for Recurring Billing

| November 14, 2022
Guide to Choosing a Merchant Account for Recurring Billing

Manage your merchant account for recurring billing via our secure payment gateway for Nutra payments and high-risk billing & invoicing

A merchant account for recurring billing is a great way to offer your customers value-added services. Manage your cash flow and increase the potential for upsells with subscriptions for Nutra via our secure payment gateway for recurring billing and high-risk invoicing. Yet, many small businesses avoid setting up recurring billing for fear of being locked… Continue reading Guide to Choosing a Merchant Account for Recurring Billing

High-Risk Pawn Shop Merchant Processing – Is My Business Considered High Risk?

| April 21, 2022
High-Risk Pawn Shop Merchant Processing – Is My Business Considered High Risk?

The nature of the pawnbroker business model is considered high-risk which makes it difficult to obtain pawn shop merchant processing services

A pawn shop is a business that offers loans to clients in exchange for valuables such as gold, electronic gadgets, or jewelry. Typically, the customer gives the valuables as collateral for the loan they receive. The nature of the pawnbroker business model makes it high-risk and, therefore, difficult to obtain pawn shop merchant processing payment… Continue reading High-Risk Pawn Shop Merchant Processing – Is My Business Considered High Risk?

Business Coaching Merchant Account – Why Do I Need One?

| April 18, 2022
Business Coaching Merchant Account – Why Do I Need One?

A business coaching merchant account for online coaching and mentoring services is specifically used to accept larger payments.

Business coaching is a lucrative business. Steering a business or start-up in the right direction and helping them achieve their business goals is extremely rewarding. This is why the most successful business coaches charge high fees for their online coaching and mentoring services and specifically use a business coaching merchant account to accept these larger… Continue reading Business Coaching Merchant Account – Why Do I Need One?

High-Risk Merchant Account Bail Bonds – Payment Service Providers

| April 14, 2022
High-Risk Merchant Account Bail Bonds – Payment Service Providers

Finding a reliable high-risk merchant account bail bonds payment processing company that is both affordable and reliable can be challenging

Recently, there has been a steady increase in the need for high-risk merchant account bail bonds payment acceptance. Between 2015 and 2020, the bail bonds industry rose by over 1.8%, totaling more than $2.3 billion in revenue. These are astounding figures that will only continue to scale. Despite the industry’s growth, finding a reliable high-risk… Continue reading High-Risk Merchant Account Bail Bonds – Payment Service Providers

High-Risk eCheck Payment Processing

| February 9, 2022
High-Risk eCheck Payment Processing

Learn how high risk eCheck processing works, the advantages of using a high risk eCheck gateway, & if it's the right choice for your business

For high-risk businesses, the number of default options for accepting payments online is limited. These merchants often have no access to the most popular payment methods, making high-risk echeck processing a very appealing option.  In general, eChecks are the most common payment method after debit and credit cards for high-risk businesses. They are popular with… Continue reading High-Risk eCheck Payment Processing

All About Mastercard’s High-Risk Merchants Program

| December 15, 2021
All About Mastercard’s High-Risk Merchants Program

Occasionally, various high-risk industries and high-risk business types will have to register with the MasterCard high-risk merchants program

When you must apply for a high-risk merchant account that accepts and processes credit and debit card payments, it is because the payment processor sees your business as vulnerable to fraud and chargebacks. Occasionally, these high-risk business types will have to register with the MasterCard high-risk merchants program. Fortunately, being one of the leading card… Continue reading All About Mastercard’s High-Risk Merchants Program

Subscription payment processing enables businesses to charge customers on a recurring basis — most often monthly or annually — without requiring a manual entry for each occurrence. This model is the backbone of subscription-based businesses like SaaS companies, streaming services, membership programs, and even meal kit deliveries. A reliable and efficient payment processing system is critical for businesses running on subscriptions. It simplifies transactions, reduces payment failures, and ensures customers don’t jump to a competitor because of a preventable billing issue. In this guide, we’ll break down the different types of subscription payment models, explain how subscription billing works, and walk through the key components that make it all run smoothly.

Subscription payment processing enables businesses to charge customers on a recurring basis — most often monthly or annually — without requiring a manual entry for each occurrence. This model is the backbone of subscription-based businesses like SaaS companies, streaming services, membership programs, and even meal kit deliveries. A reliable and efficient payment processing system is critical for businesses running on subscriptions. It simplifies transactions, reduces payment failures, and ensures customers don’t jump to a competitor because of a preventable billing issue. In this guide, we’ll break down the different types of subscription payment models, explain how subscription billing works, and walk through the key components that make it all run smoothly.

Subscription payment processing enables businesses to charge customers on a recurring basis — most often monthly or annually — without requiring a manual entry for each occurrence. This model is the backbone of subscription-based businesses like SaaS companies, streaming services, membership programs, and even meal kit deliveries. A reliable and efficient payment processing system is critical for businesses running on subscriptions. It simplifies transactions, reduces payment failures, and ensures customers don’t jump to a competitor because of a preventable billing issue. In this guide, we’ll break down the different types of subscription payment models, explain how subscription billing works, and walk through the key components that make it all run smoothly.

Subscription payment processing enables businesses to charge customers on a recurring basis — most often monthly or annually — without requiring a manual entry for each occurrence. This model is the backbone of subscription-based businesses like SaaS companies, streaming services, membership programs, and even meal kit deliveries. A reliable and efficient payment processing system is critical for businesses running on subscriptions. It simplifies transactions, reduces payment failures, and ensures customers don’t jump to a competitor because of a preventable billing issue. In this guide, we’ll break down the different types of subscription payment models, explain how subscription billing works, and walk through the key components that make it all run smoothly.

SecureGlobalPay was created to deliver complete merchant processing solutions for businesses of every size and industry. We are a US based payment services provider supporting retail, high risk, and hard to place merchants across the US, Canada, the EU, and the UK.

We offer end to end payment solutions for card payments, ACH, eCheck, and alternative payment methods across online, MOTO, and mobile channels. Our platform includes fast approvals, transparent pricing, fraud and chargeback protection, and seamless integrations with platforms like Shopify, WooCommerce, and more.

Our founder and CEO, Roland, brings nearly three decades of experience in the payment industry. Throughout his career, he saw too many legitimate businesses being unfairly treated or rejected simply because of their industry, risk profile, or business model.

SecureGlobalPay was built on a simple belief: every legitimate merchant deserves reliable, fair, and professional payment processing, no matter what type of business they run.

SecureGlobalPay was created to deliver end-to-end merchant processing solutions for businesses of all sizes and across every industry. We are a US-based merchant services provider specializing in payment processing for retail, higher-risk, and hard-to-place businesses throughout the US, Canada, the EU, and the UK.

Our team offers complete payment solutions for bank cards, ACH, eCheck, and alternative payment methods, supporting online, MOTO, and mobile transactions. SecureGlobalPay is known for fast approvals, transparent pricing, strong fraud and chargeback protection, and seamless integrations with platforms like Shopify, WooCommerce, and many others.

Our founder and CEO, Roland, brings nearly 30 years of industry experience. Throughout his career, he saw firsthand how many merchants are unfairly treated or mislabeled based on their industry, niche, or perceived risk.

SecureGlobalPay was built on a simple principle: every legitimate business deserves fair access to reliable payment processing, regardless of its business model or vertical.

SecureGlobalPay was created to deliver complete merchant processing solutions for businesses of every size and industry. We are a US based payment services provider supporting retail, high risk, and hard to place merchants across the US, Canada, the EU, and the UK.

We offer end to end payment solutions for card payments, ACH, eCheck, and alternative payment methods across online, MOTO, and mobile channels. Our platform includes fast approvals, transparent pricing, fraud and chargeback protection, and seamless integrations with platforms like Shopify, WooCommerce, and more.

Our founder and CEO, Roland, brings nearly three decades of experience in the payment industry. Throughout his career, he saw too many legitimate businesses being unfairly treated or rejected simply because of their industry, risk profile, or business model.

SecureGlobalPay was built on a simple belief: every legitimate merchant deserves reliable, fair, and professional payment processing, no matter what type of business they run.

SecureGlobalPay was created to deliver end-to-end merchant processing solutions for businesses of all sizes and across every industry. We are a US-based merchant services provider specializing in payment processing for retail, higher-risk, and hard-to-place businesses throughout the US, Canada, the EU, and the UK.

Our team offers complete payment solutions for bank cards, ACH, eCheck, and alternative payment methods, supporting online, MOTO, and mobile transactions. SecureGlobalPay is known for fast approvals, transparent pricing, strong fraud and chargeback protection, and seamless integrations with platforms like Shopify, WooCommerce, and many others.

Our founder and CEO, Roland, brings nearly 30 years of industry experience. Throughout his career, he saw firsthand how many merchants are unfairly treated or mislabeled based on their industry, niche, or perceived risk.

SecureGlobalPay was built on a simple principle: every legitimate business deserves fair access to reliable payment processing, regardless of its business model or vertical.