GENERAL HIGH RISK MERCHANT ACCOUNT

Realisto Matches You With +40 Banks

2020 High Risk Visa/Mastercard from Interchange++0.95%

HIGH-RISK FRIENDLY

Has your local bank declined your application, telling you they cannot open a merchant facility because your business model or history presents a risk for them? Or that they do not offer services to merchants within your industry?

Luckily, Realisto specializes in arrangement of all-in-one high risk merchant account solutions. Our risk management experts have a decade’s worth of experience working with trustworthy payment institutions; we adopt a flexible, case-by-case approach. With our network of tested and trusted international, offshore and domestic banking partners, we are able to provide a merchant account solution for your business even if you have been categorized as high-risk before, or you are facing difficulties as a startup business.

Accept payments by:

POPULAR CATEGORIES

Tobacco

Nutraceutical, Herbal

Drug Stores, Pharmacy

Software

Electronics

Insurance

Telemarketing, MOTO

Multi Level Marketing (MLM)

Financial Services

Forex, Binary Options

Ticketing Agencies

Jewelry

Realisto Features:

  • Realisto supports most high risk industries
  • Visa/MC rates as low as 1.45%
  • Interchange++ pricing
  • Startups accepted
  • Award-winning PCI compliant gateway
  • Server2Server API or Hosted Payment Pages
  • 150+ currencies multi-currency processing
  • 30+ alternative payment methods
  • CVV, AVS, 3D Secure, batch processing, recurring billing

ADULT MERCHANT ACCOUNT FEES

Spain based merchant

Typical High Risk MID rates on our EU acquiring bank.
€100k per month domestic EU sales volume.

2.50%

Visa / Mastercard

0.25€

Transaction fee

20€/m

Gateway fee

100€

Setup

Our merchant breakdown:

  • Accepted countries of incorporation - EU/UK
  • Accepted countries of incorporation - Yes
  • Global card processing - Yes
  • High risk accepted - Yes
  • Recurring billing & tokenization - Yes
  • 3D Secure, CVV, AVS - Yes
  • Direct API integration - Yes
  • Setup time - 7-14 days
  • Chargeback fee - 15€ - 25€
  • Refund fee - 0.50€ - 1.50€
  • Settlement to bank account - Daily / Weekly
  • Processing currencies - 150+
  • Settlement currencies:
  • EUR, GBP, USD, CHF, CAD, DKK, JPY, AUD, HKD, NOK, NZD, RMB, SEK, TRY, ZAR, SGD, MXN, PLN, CZK, HUF, AED, MAD, SAR
  • Integrated payment methods:
  • Visa, Visa Debit, Visa Electron, MasterCard, MasterCard Debit, Maestro, Amex, JCB, Diners, Carte Bancaire, PayPal, PaysafeCard, GiroPay, Sofort Uberweisung, Dankort, iDeal, UnionPay, CartaSi, Alipay, Afterpay, Bancontact MisterCash, Entercash, EPS, SEPA Direct Debit, Klarna, P24, Paytrail, Poli, PostePay, Trustly, TrustPay, Yandex

Accept payments by:

WHY HIGH RISK?

Do you need a high risk merchant account?

There are many factors considered by banks and payment providers when deciding whether a business should be classified as high-risk. The primary concern is the reputation of the industry in which the business is operating, and its trading/processing history. For example, the online gambling industry is automatically considered as high-risk by acquiring banks due to track record of unregulated schemes. When there is the potential for clients to end up feeling dissatisfied with the product or service, or when volumes are higher, there is a higher chance of disputes. Theft of credit card details or other data is also a risk. The providers are at risk and thus impose stricter terms, or decline the merchant account opening.

CB% RATIO

Keep chargebacks to a minimum

Credit card processing history is the second most important factor when it comes to getting approved. Card schemes, such as Visa and MasterCard, dictate the acceptable chargeback thresholds, which stand between 1-2% from sales volume and transaction count. Many businesses can reach this threshold very quickly and even a couple of consecutive months above 2% will lead to the bank will terminating the merchant account. This is why most high-risk merchants are asked for card processing statements detailing the previous 6 months and can only be approved after a thorough review. High chargeback ratios, excessive refunds and fraud trends lower the chances of getting approved.

1. Contact Us

After completing the short application form, our experts will assess your ecommerce offering and advise the appropriate banking partners from our network.

2. Bank Approval

Based on initial assessment we start the approval process with one of our banking partners. Our dedicated agent will guide you through this every step of the way.

3. Integration

After approval and MID activation, you can integrate you with the payment gateway via API and you're all ready to start processing payments on your ecommerce platform.

GET A QUOTE FOR YOUR BUSINESS TODAY

& be pre-approved in less than 48h!

We are here for you when you need it most

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