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Do You Need a High Risk Merchant Account?

High Risk Merchant Account

What some may not realize is that, in recent years, entrepreneurs all over the map have become increasingly threatened by the reign of credit card processing companies over their business. What’s more is that if your company finds itself among the many to be constituted as a “high risk merchant”, then you are even more vulnerable to a slew of credit card processing hindrances that can be catastrophic to your company.  If this happens, you will need to find a high risk merchant account.

So, what exactly are these high risk merchant accounts?

What’s tricky about this terminology is that many businesses out there aren’t perceived, nor do they perceive themselves, as high risk at all – in fact, many may largely be considered down right secure. Unfortunately, credit card companies have their own definition. The major card brand associations (Visa, MasterCard, Discover, Amex, JCB) define a business as high risk if that business is predicted to have as little as 1% or more of their customer/client charges disputed.

That encompasses a lot of businesses.

Chances are this sounds like you. If so, then this matters so much because when you signed your contract with them, you essentially afforded your credit card processor ultimate control over your account. The general terms of that contract will vary, but somewhere in there you are guaranteed to find that all processors are granted the rights to hold your funds, adjust your rates and fees, and deposit/deduct funds — all without warning. Even if you’re working for a reputable company, as a high risk merchant you’re highly susceptible to business-threatening situations such as: having your account frozen; a reserve imposed without notice; and/or your account being closed altogether. As alarming as this potential may seem, it’s the only way a credit card processing company can protect itself — and it’s exactly why you need to be confident you’re protected as well.

A skilled high risk merchant account provider is that protection.

Competent and experienced high risk merchant account providers, such as Easy Pay Direct, will be able to give your business the additional financial security necessary in today’s entrepreneurial climate. We have the capacity to forecast the increasingly detrimental trends in the credit card processing industry, and possess the knowledge and foresight to tackle the widespread array of potential problems facing a high risk merchant account upon, or before, their arrival, so you don’t have to.  Easy Pay Direct will proactively setup multiple merchant accounts when necessary.  In addition, they have a patent pending gateway that will distribute your volume across those merchant accounts to help protect you from any potential issues.

Topic: High risk merchant account

  • Wardee Harmon Wardee Harmon

    I’m so glad I found Easy Pay Direct! Customer service and merchant support are absolutely amazing and you’ve made it so easy for me to do automatic load balancing with multiple merchant accounts. I couldn’t be happier about switching to Easy Pay Direct!”

    Traditional Cooking School
    Wardee Harmon
  • Steven Poulos Steven Poulos

    The Easy Pay Direct team is great and easy to work with!”

    North Scottsdale Family Dentistry
    Steven Poulos
  • Mike Wreggit Mike Wreggit

    I’m very happy with the service I’ve received with Easy Pay Direct. They’ve been great. I presented them with the challenge of getting my merchant account set up in about a week before my first home show. They pulled it off with flying colors. They even overnighted my card slider to my hotel so I had it at the show. I sold a commission from the show and I was able to run the charge without a hitch. Ted was a great help throughout. I highly recommend Easy Pay Direct.”

    PencilArtPrints.com
    Mike Wreggit
  • Isabelle Mercier-Turcotte Isabelle Mercier-Turcotte

    THANK YOU, THANK YOU, Easy Pay Direct! I didn’t know how difficult it was to set up a merchant account, and you guys have made that process so easy for us. I call you the lightning bolt in Customer Service because you are so fast! You have been a pleasure to work with.”

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    Isabelle Mercier-Turcotte
  • Lucy Whittington Lucy Whittington

    I tried Easy Pay Direct and have received such a high level of attention. I needed a ‘real person’, so I called and spoke to Gordon who has been amazing. I now have a merchant account and payment gateway. Easy! I’ll be recommending you to all my clients too.”

    BeingaBusinessCelebrity.com
    Lucy Whittington
  • Peter Conti Peter Conti

    Easy Pay Direct simplified the application process and was able to get us connected with three or four different merchant accounts all within a matter of just a few short weeks. I would highly recommend Easy Pay Direct for anyone who’s looking for a merchant account provider!”

    Mentor Financial Group
    Peter Conti
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