High Risk Merchants, Welcome to Open New Merchant Account and Accept Credit Cards Payments Now!

If you are here, we suppose you are looking for merchant account to accept credit cards payments for your high risk type of commerce or for a business located outside of the U.S. YourMerchant.org is a high risk merchant account provider directly represents many US, International and offshore processing banks. The company also offers flexibility, customization and optimization, an ACH and much more. We offer a full range of direct merchant accounts, to be more accurate, YourMerchant.org has a large database of merchant account resellers. These credit cards processing resellers offer different types of merchant account solutions at different rates and on different terms.

We know that you having trouble finding a credit card processor that will approve you in the past, but now you are in the right place. As long as it's legal, we can usually get you approved and have you up and accepting credit cards quickly and efficiently, with either a high risk merchant account or an international merchant account. YourMerchant.org has credit card processing solutions that specialize in what banks consider high risk merchant accounts and offshore merchant accounts. We understand how significant it is to accept credit cards payments. We offer variety of merchant accounts and services so you can start to accept credit cards and we have developed flexible merchant solutions to fit your needs.

Owning a high risk business does not exclude you from being able to open a merchant account and process credit cards payment. The credit cards processors consider a merchant accounts as a high risk account based on the probable treats for extreme charge backs, returns and refunds, potential legal problems for selling some sort of services or goods, financial responsibility that the bank or credit card payments processor will incur for the merchant, or bad exposure towards the bank for accepting definite types of businesses. Yourmerchant.org high risk merchant account specialist and we do have experience with merchants in your business industry and similar situation.

High risk business still require a merchant account, particularly if they intend to do online sales and services. If you're one of these businesses and looking for a high risk merchant account, there's hope thanks to YourMerchant.org, an agent of group leading processors in high risk area. To find out how this hope can be yours, contact our customer service today. Both U.S. based and international businesses are welcome. Most countries and business types accepted. Multi-currency processing available. We are ready to help merchants from TMF list as well.

Pre-application form is HERE!

Many merchants complain about the lack of information when it comes to high risk merchant account application. It's not that there's no information at hand; it's more likely because merchant account  providers do not provide standard customer service or are simply too lazy to share the nuts and bolts that the applicants need.

CASE IN POINT

For example, a merchant may have already submitted his application before the merchant account provider (MAP) reveals the improbable terms: that he may not receive payment until x number of months or that he may not be approved for a merchant account unless he changes his marketing plan. When this happens, the worst case scenario is that the merchant's application may never be approved. If the company doesn't offer a money back guarantee, he may lose money even before he earns it.

The dark side of high risk merchant application involves a possibility that the MAPs may take long to approve your account. The reason is that they need to assess your business in relation to the rate of frauds and chargebacks that might be incurred. Also, you may spend more on fees than a regular merchant account.

TRICKS OF THE TRADE

However, it's never a dead end road for the high risk merchant. Here, I have compiled a list of some insider information you might want to check out first before diving headlong into your high risk/offshore account application.

• Some accounts may be approved within 24 hours.
• When it's offshore (account) there is less likelihood that it will be declined.
• Merchants with bad credit rating can still apply and get approved.
• There's no need to open a new bank account as the funds get transferred
• directly to the merchant's bank of choice.
• Most high risk merchant account providers require from as small as $10,000 to $50 million on monthly credit card sales volume.
• MAPs will provide pricing quotes after analyzing the merchant's business' status. The following are likely criteria for pricing the application:
  1. business profile
  2. personal credit of the owner
  3. business lifespan
  4. monthly processing volume
  5. business solvency
  6. processing history
  7. fraud / chargebacks history

• Some MAPs require minimal volume caps or none at all.
• Merchants may choose your own international bank.
• Merchants previously listed under terminated merchant file (TMF) list still get a chance to get their application approved, as long as they were not involved in fraud in the past.
• When merchants apply for an offshore merchant account, they do not have to spend for credit card terminal or software to process your transactions.
• Merchants may also accept a good number of international currencies as well as have the ability to offer other payment processing options such as by fax, phone, or e-mail.
• Merchants may start accepting credit card payments in a matter of a week as soon as their application has been approved and the terminal or software has been set up.

GOING THE OFFSHORE WAY

Now, for businesses who have originally planned to go the route of offshore merchant account application, there is no need to convince them of the benefits they will earn. Going the offshore way means getting a ton of perks when it comes to taxation. Internal bank policies in international banks are not as strict as U.S. banks. The drawback is the higher processing costs and a holdback on proceeds as reserve to protect them against chargebacks in the future.