High-risk merchant services, including payment processing solutions, can be difficult to obtain and expensive, too. In fact, many businesses cannot get these services at all.

Many payment processing providers refuse to consider merchant accounts for businesses such as pawnshops, debt collection services, installment loan providers, etc. Businesses that sell online also struggle to find a way to obtain these critical services.

Merchant Card Advisors fills this important service gap by specializing in helping businesses in high-risk industries.

Do You Need a High-Risk Merchant Account?

Some of the factors that can affect your ability to set up payment gateways and other merchant account services include:

Regulated Industries

Any business that falls under governmental regulation tends to make service providers leery. Regulated industries include firearms, cigarettes and tobacco, e-cigarettes and CBD oils.

Sensitive Information

Any business that handles sensitive information, such as consumer personal and financial data, can struggle to acquire critical payment processing and merchant solutions. This category of industry may also encounter a high rate of fraud.


If your business sells products or services online, you are automatically categorized as high-risk. The reasons for this include the electronic transmission of financial data and the high risk of chargebacks.

Other businesses that fall into the high-risk category include those whose owners have poor credit histories and any business that deals with recurring charges.

Serving These and Other High-Risk Merchants

Merchant Card Advisors assists all types of high-risk businesses. Some of the industries in which we specialize include the following.

CBD Merchant Services

Cannabidiol (CBD) oil merchant accounts are for companies that sell CBD products online, in brick-and-mortar stores and at mobile locations such as farmers markets.

Firearms Merchant Services

Firearms merchant accounts are becoming increasingly more challenging to obtain, due to the many payment processing companies that refuse to be involved in gun and ammunition sales.

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Pawnshops Merchant Services

Pawnshops merchant accounts and payment processing solutions are scarce, due to the high risk of fraud and stolen merchandise, despite the strong reputation that most U.S. pawnbrokers hold.

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Travel Merchant Services

Obtaining travel merchant account solutions poses a challenge due to the high average transaction value and the ever-present risk of chargebacks after customers change their minds about purchases.

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Debt Collection Merchant Services

Getting a debt-collection agency merchant account can be difficult, despite the high volume of business many companies enjoy. Affordable payment processing solutions are critical for this type of business’s success.

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Payday Loan, Installment Loan, Signature Loan & Personal Loan Merchant Services

We offer affordable merchant accounts and payment processing solutions for payday loan providers and related businesses, including providers of personal loans, installment loans and signature loans.

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Whatever your high-risk merchant services account needs may be, let Merchant Card Advisors assist you with comprehensive payment processing solutions and related services.

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