Merchant Ground
Home2024-04-20T23:34:31+05:30

Providing High Risk Merchant Account Worldwide

  • Fast Approvals

  • Integration Support

  • Chargeback Mitigation

  • Customizable Solutions

  • Fraud Prevention

  • Competitive Rates

  • Light Touch Compliance

  • Lowest Settlement Times

Looking for a merchant service provider that understands your businesses needs? We provide merchant accounts for low, medium or high risk business with hassles free operations!

Trusted Merchant Services That We Offer

online merchant account

  • Global Payment Processing

High Risk Credit Card Processing Solution

Here are some of the benefits of our payment processing solutions:

  • Easy to use and integrate
  • Wide range of features
  • 24/7 support
  • Competitive pricing
  • PCI DSS compliance
  • Custom Payment Solution

Offshore Payment Processing

Our solutions are designed to be easy to use and integrate, and we offer a variety of features to meet the needs of businesses of all sizes. We also offer 24/7 support to help you get started and troubleshoot any problems you may encounter.

Offshore Payment Processing Solutions

Our Business Statistics

$6 b

Payments Processed

3.9 K

Merchant’s Onboard

98.9%

Service Satisfaction

99.9%

Reliability

Integrations? We have you covered!

Magento Payment Gateway
Wordpress WooCommerce Payment Gateway
SquareSpace Payment Gateway
Shopify Payment Gateway
PrestaShop Payment Gateway
BigCommerce Payment Gateway
Marketing Consultant Expert
Harry Jha
Sales Manager

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Talk To An Expert Today

We understand that every business is unique, and that’s why we offer flexible and customized solutions to meet your requirements.

We believe that our success is closely tied to the success of our merchants, and we are committed to helping them grow their businesses. Whether it is through innovative products, value-added services, or expert advice, we are always looking for ways to add value to our merchant’s business.

Merchant Ground on Trust Pilot

Easy High Risk Payment Gateway For Your Business

Merchant Ground is a leading merchant service provider and understands the importance of having a reliable and efficient way to process credit card payments for your business. We provide card processing solutions to all sectors and especially (hard to place and declined/terminated) high risk businesses. Start accepting credit cards, debit cards, and UPI payments from all major brands including Visa, MasterCard, Discover AMEX and others mobile wallets. Whether you’re an e-commerce store, a small brick-and-mortar shop, or an online service provider, we have the perfect solution for your needs. Our team of experts can help you set up a payment processing system that meets your specific needs, and our cutting-edge technology ensures a smooth and speedy checkout process. With Merchant Ground, you can be sure that your customers will have a positive experience when making payments.

We are specialists in working with high-risk merchants, such as those in the CBD oil and hemp or adult entertainment and dating industries. We understand that these businesses often need help finding a provider, and we’re here to help with instant approval and low rates. Furthermore, we also offer payment processing solutions for platforms such as Shopify, WooCommerce, BigCommerce, Laravel, CodeIgniter, Magento, Squarespace, Wix, and other e-Commerce providers and third-party providers. We support and provide merchant account for different industries such as Adult Entertainment, Advertising Services, Affiliate Marketing, Alcohol, Betting, Business, Casino, CBD Oil, Charities, Club Membership, Collectibles, Consulting Service, Credit Repair & Debt Management, Cryptocurrency, Dating And Escort Services, Debt Management & Collection Agencies, Drugs And Drug Products (Including Prescriptions), Domain And Hosting Services, E-Cigarettes, E-wallets, eCommerce, Education, Entertainment, Events And Tickets, File Sharing, Foreign Exchange (Forex), Gambling, Gaming, Health And Wellness Products, Home-Based Service, Insurance, Investment Schemes, Jewellery, Watches & Accessories, Lender Merchant Account & Services, License, Loans, Marketing, Money Transfer, Multi-Level, Nightclubs And Bars, Nutra/supplements, Nutraceuticals, Online, Online Auctions, Online Gaming And Gambling, Pawn, Payday, Payday Loans, Pharmaceuticals, Porn, PPI Merchant Accounts & Services, Prepaid Phone Cards, Relief, Repairing Service, Sex Toys, Software Downloads, Strippers Club, Subscriptions Model, Tattoo Studios, Timeshares And Holiday Clubs, Tobacco And E-cigarettes, Travel Agency, Tourism And Lodging, Porn Tube, Vehicle Sales And Car Parts, and VPN Service.

In addition to our merchant account services, we also offer a variety of other products and services to help your business thrive. We pride ourselves on our quick and easy application process, and our dedicated account managers are always available to help with any questions or issues that may arise.

We serve worldwide merchants based in the countries such as the USA, UK, Canada, India, New Zealand, Australia, and All European Countries. Our payment gateway accepts all major credit cards, including Visa, MasterCard, American Express, Discover, Maestro, and wallet payments like UPI.

So, we have the perfect solution for your business, whether you’re just starting or looking to switch a merchant account provider. You can apply now to see why we’re one of the top merchant account providers in the industry.

How we server better high-risk merchant solutions?

As an online business owner, the quest for a trustworthy high-risk merchant account provider can be quite the head-scratcher. Traditional banks and credit card processors tend to steer clear of high-risk payment processing due to the potential financial risk involved. However, fret not, for high-risk merchants are not necessarily destined for a woeful existence plagued by sky-high rates of chargebacks and excessive chargeback fees. With the right high-risk merchant account provider, you can gain access to high-risk merchant services that cater to your payment processing needs, and nurture your business with the utmost confidence.

At our high-risk payment processor, we pride ourselves on our ability to cater to high-risk merchants, regardless of whether they have poor credit or a history of excessive chargebacks. We are well aware that high-risk clients come in all shapes and sizes, and we are fully committed to offering high-risk merchant account services that fit your individualistic needs.

One of the key perks of working with our high-risk merchant account providers is our capability to offer rolling reserve accounts. In simpler terms, a portion of your sales will be held in reserve, thus decreasing the financial risk to our company in the event of excessive chargebacks. At first glance, a rolling reserve may seem like a drawback, but it is a customary practice in the high-risk payment processing industry, and it can ultimately help you manage your finances more efficiently over the long haul.

On top of rolling reserves, our high-risk merchant account services also incorporate fair and reasonable termination fees. We are cognizant of the fact that high-risk merchants are already undertaking a higher level of financial risk, and we do not intend to exacerbate that risk with exorbitant termination fees or other surreptitious charges. Our objective is to assist you in effectively managing your payments, while minimizing the potential for financial losses.

For low-risk merchants, traditional banks and credit card processors offer no-frills credit card processing accounts with comparatively low payment processing fees. However, for high-risk merchants, these conventional options are not always on the table. This is where our high-risk merchant account provider comes into play. We offer high-risk payment processing that is specifically crafted to cater to the unique needs of high-risk clients. This encompasses the ability to accept online payments, integrated payment gateway solutions, and electronic payment processing services that are tailored to the needs of offshore businesses.

At our high-risk payment processor, we acknowledge that your credit score and financial statements may not be picture-perfect. We take a comprehensive approach to evaluating your business, and we work hand in hand with you to identify a payment processing solution that suits your idiosyncratic needs. This implies that we take into account factors beyond just your credit score or financial statements, such as the nature of your business, the products or services you offer, and your experience in the industry.

Whether you’re an ecommerce merchant or a retail merchant, our high-risk merchant account services can empower you to manage your payments with unwavering confidence. We are well aware that high-risk payment processing can pose a challenge, but we are here to help you navigate the complexities of the industry and find a payment processing solution that resonates with your business. With our assistance, you can effectively manage your financial risk, minimize the potential for chargebacks, and grow your business with complete assurance.

FAQ
What happens if a high risk merchant’s account is terminated?2023-02-02T20:52:27+05:30

The termination of a merchant account is a daunting prospect for high-risk merchants. A high-risk merchant refers to those who engage in ventures with a higher likelihood of encountering chargebacks, fraud, and other dangers that could result in the termination of their account. The implications of such an event can be devastating, leaving a lasting impact on the merchant’s operations.

When a merchant account is terminated, the processing of payments comes to a sudden halt, leading to a loss of revenue as transactions with customers are put on hold. Furthermore, financial penalties such as chargeback fees and fines may also ensue, causing a further dent in the merchant’s finances.

At Merchant Ground, we are well aware of the difficulties faced by high-risk merchants and strive to find a solution in case of account termination. Our team takes a personalized approach, carefully analyzing the specific case and needs of the merchant before providing a tailored payment processing solution.

Our distinct advantage is our extensive knowledge and expertise in the high-risk merchant sector. Our connections with multiple payment processors and specialized knowledge allow us to match merchants with the ideal payment solution provider.

We offer a wide range of payment processing options, including both domestic and offshore options, to cater to the unique requirements of high-risk merchants. Our dedicated team is fully committed to supporting merchants, helping them find a suitable solution to continue processing payments and grow their business.

Can a high risk merchant account be approved internationally?2023-02-02T17:03:07+05:30

As a business owner, obtaining a merchant account is crucial for accepting payments from customers. However, when it comes to high risk businesses, the approval process can be complex and stringent. This is because businesses that are considered high risk have a higher potential for chargebacks, fraud, and other risks, which increases the likelihood of a merchant account application being declined.

Despite this challenge, the good news is that international payment processors and merchant account providers exist to help high risk businesses. One such provider is Merchant Ground, a company that specializes in high risk merchant accounts and offers comprehensive payment processing solutions for businesses in industries such as online gaming, e-commerce, and forex.

Merchant Ground’s services come with a host of benefits that can help high risk businesses succeed. These benefits include fast approval, with applications processed and approved in as little as 24 hours. Additionally, businesses can accept payments in multiple currencies, making it easier for customers to make purchases. With Merchant Ground’s high approval rate, even high risk businesses can be approved for a merchant account. Lastly, the company uses the latest security measures to protect transactions and keep customers’ information safe.

How long does it take to get approved for a high risk merchant account?2023-02-02T16:41:40+05:30

The quest to secure a high-risk merchant account may prove to be a challenging task, with approval times ranging from a matter of days to several interminable weeks. This is owing to the many variables at play, including the type of enterprise, the industry it operates in, and the magnitude of its sales. High-risk merchant accounts are often deemed so due to their elevated probability of chargebacks and potential for fraud.

Therefore, it’s crucial to partner with a provider that specializes in high-risk accounts. Enter Merchant Ground, a firm that offers expeditious approval, recognizing the time sensitivity of high-risk businesses. Their rapid processing ensures that you can begin accepting payments and scaling your operation as soon as possible.

The application process begins with furnishing information about your business, banking history, and previous processing history. The provider uses this information to calculate the risk associated with your business and make a decision on your application.

To validate your identity and ensure the legitimacy of your venture, you may need to supply additional documentation such as a comprehensive business plan, tax ID number, and a voided check.

Approval time for a high-risk merchant account depends on various factors including the provider and the intricacy of your application. Merchant Ground, however, is renowned for its quick approval time and has been known to approve applications within just 24 hours. Embrace the possibility of fast-track growth for your business.

What documentation is required to apply for a high risk merchant account?2023-02-02T16:37:19+05:30

Applying for a high-risk merchant account demands an understanding of the documentation needs, which might be imposed by the acquiring bank or payment processor. The essential papers vary, dependent on the business type, financial stability, and processing history of the firm.

The following records are generally sought when applying for a high-risk merchant account:

  • Vital business registration and tax documents, including articles of incorporation, business license, and tax identification number.
  • Bank statements – including the most recent three to six months of bank statements for the business.
  • Processing statements, which comprise the most recent three to six months of processing statements for the business, where applicable.
  • Identification and address verification papers – comprising government-issued ID, utility bill, or bank statement for the business owner or authorized signer.
  • Website information, including a comprehensive description of the products and services, the website URL, and screenshots of the website.
  • Business plan – detailing the business model, target market, marketing strategy, and projected financials.
  • Chargeback ratios – consisting of the chargeback ratios for the business over the last three to six months, where applicable.

However, it’s important to take into account that not all acquiring banks and payment processors have uniform requirements. This is where Merchant Ground can prove to be of great assistance, with their established relationships with acquiring banks and underwriters, securing the best possible terms for their clients. Merchant Ground also has a less demanding documentation process compared to other providers, simplifying the application procedure for high-risk merchants.

What are the benefits of having a high risk merchant account?2023-02-02T16:20:12+05:30

For businesses operating in industries deemed high risk by conventional financial establishments, a high risk merchant account is a crucial payment processing solution. Industries such as online gaming, adult entertainment, travel, and timeshares, among others, despite their perceived high-risk nature, necessitate dependable payment processing services to operate effectively. This type of account confers numerous advantages, such as:

  • Enhanced Acceptance: Traditional financial institutions often reject applications from businesses in high-risk industries, making it challenging for these enterprises to secure payment processing solutions. A high risk merchant account, however, is explicitly designed to serve these types of businesses, leading to a higher acceptance rate and allowing these businesses to expand and prosper.
  • More Favorable Terms: When compared to traditional merchant accounts, high risk merchant accounts offer more advantageous terms, like lower fees, reduced reserves, and elevated processing limits, enabling high-risk businesses to save money, augment profits, and minimize the risk of chargebacks or fraud.
  • Tailored Solutions: High risk merchant accounts are customized to meet the unique requirements of high-risk businesses. For instance, some high risk merchant accounts offer features such as recurring billing, multi-currency processing, and fraud protection, streamlining payment processing and reducing the risk of fraud or chargebacks.
  • Elevated Security: High risk merchant accounts are engineered to provide a high degree of security for both the business and the customer, including secure payment gateways, fraud detection tools, and data encryption, safeguarding both the business and the customer from online fraud and other security risks.
  • Reputation Management: High risk businesses often face reputation challenges due to their industry classification. A high risk merchant account can help improve the reputation of these businesses by providing a secure and dependable payment processing solution, increasing customer trust, and reinforcing brand reputation.

In essence, a high risk merchant account offers numerous benefits to businesses operating in high-risk industries, including enhanced acceptance rates, more favorable terms, tailored solutions, elevated security, and improved reputation management. If you run a business in a high-risk industry, consider a high risk merchant account for your payment processing needs.

What are the typical processing fees for a high risk merchant account?2023-02-02T16:14:56+05:30

For merchants operating in high-risk industries, securing a payment processor can be a daunting task. A high risk merchant account is categorized as such due to a multitude of factors – from the nature of the business to its target audience, to the company’s financial history. The resulting challenge in finding a compatible payment processor often leads to elevated processing fees.

The fees associated with a high risk merchant account are dependent on various elements such as the payment processor, the type of business, and the level of risk involved. A plethora of fees may apply, including setup fees, monthly fees, transaction fees, chargeback fees, and non-compliance fees.

Setup fees are a one-time expense, incurred when opening a high risk merchant account, that covers the cost of establishing the account, including underwriting, risk assessment, and activation. Monthly fees, on the other hand, are recurring expenses, charged regardless of the number of transactions processed, that cover the cost of maintaining the account, such as customer support and fraud protection.

Transaction fees are fees levied each time a transaction is processed through the high risk merchant account, usually a percentage of the transaction value and subject to variation based on the payment processor and type of transaction. Chargeback fees are fees imposed when a customer disputes a transaction and requests a chargeback, often a flat fee per chargeback, and may be higher for high risk merchants.

Lastly, non-compliance fees are fees charged if a merchant fails to comply with the terms and conditions of their high risk merchant account, potentially due to failure to meet processing volume requirements, violation of the merchant agreement, or fraud.

Despite the possibility of higher processing fees, high risk merchants can find payment processors that offer competitive rates and customizable solutions. Careful consideration and comparison of the fees and services offered by different payment processors is crucial in finding the best fit for your business.

What industries are typically considered high risk?2023-02-02T15:59:41+05:30

High-Risk Industries: Navigating the Complexities and Uncertainties

The business world is fraught with hazards and uncertainties, but some industries find themselves in a particularly precarious position, dubbed “high-risk.” These sectors are vulnerable to a host of challenges, ranging from regulatory hurdles to financial instability and legal liabilities. But what exactly makes an industry high-risk, and why is it important to understand the intricacies of these sectors?

To begin, let’s examine the hallmark of high-risk industries: increased regulation and scrutiny. These industries are subject to more stringent rules and oversight, which can lead to higher costs and lower profitability. But while the impact of these regulations is clear, the reasons behind them are complex and multifaceted.

Take, for instance, the online gaming and gambling industries, which are considered high-risk due to the legal and regulatory labyrinths that pervade the sector. This can result in difficulties with payment processing, licensing, and advertising, all of which can impede the success of businesses operating in this field.

Another example is the adult industry, which encompasses adult content and products. The controversial and sensitive nature of the content renders the sector high-risk, with difficulties in payment processing, advertising, and hosting often plaguing businesses.

The pharmaceutical industry is another example of a high-risk sector, where the complexities of drug regulation and stringent standards associated with production and distribution can result in frequent changes in laws and regulations, leading to increased costs and decreased profitability.

The tobacco industry is also considered high-risk, as the public’s growing awareness of the health risks associated with smoking, coupled with stricter regulations and taxes, pose a threat to the success of businesses operating in this sector.

Finally, the e-cigarette industry is considered high-risk due to the increased regulatory scrutiny and growing concerns over the safety of these products.

It’s important to keep in mind that these industries are just a few examples of the numerous high-risk sectors that exist. The level of risk can vary greatly between industries, and the specific risks and challenges faced by each company will depend on many factors, including size, target audience, and location.

In conclusion, high-risk industries present a unique set of complexities and uncertainties that can pose significant challenges for businesses operating in these sectors. However, with a deep understanding of the risks and challenges faced by these industries, businesses can navigate these treacherous waters and emerge as leaders in their respective fields.

What is a high risk merchant account?2023-02-02T15:38:28+05:30

High-risk merchant accounts – a type of merchant account specifically catering to businesses considered as high-risk due to their line of work, products, or customer base. These accounts are mandatory for businesses operating in industries such as adult entertainment, travel, gaming, telemarketing, and e-commerce, to name a few.

However, high-risk merchant accounts come with increased risk factors, including an elevated probability of chargebacks, fraud, and financial losses. This, in turn, necessitates higher processing fees, stringent underwriting policies, and mandatory security measures, such as chargeback protection and fraud screening.

Despite the added expenses and regulations, high-risk merchant accounts are imperative for many businesses operating in high-risk industries. Without one, these businesses face difficulties in accepting credit card payments, hindering their potential to expand and reach a broader customer base.

When selecting a provider for your high-risk merchant account, it is crucial to opt for a provider with experience working with businesses in your industry and a proven track record of providing secure payment processing services. Additionally, seek a provider offering competitive processing fees, flexible payment options, and chargeback protection.

A thorough comprehension of the terms and conditions of your merchant account, including fees, chargeback limits, and security requirements, is essential to avoid unexpected scenarios and ensure the seamless functioning of your business.