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Many thanks in advance for your educated recommendation Hi Preston, We haven’t had the best experiences with Payment Cloud.I’d recommend that you check out some of our preferred high-risk providers.

If the guidelines are relaxed, then you’ll have yourself a merchant account. Furthermore, if the provider you apply to specializes in high risk merchant services, then you’ve already won the battle. BUT, keep in mind that there are some providers that don’t specialize in high risk, but still have relaxed guidelines (i.e. A word of caution…Don’t skimp on reviewing the details of your contract. There are a number of reasons why a provider would consider your business as high risk. As I mentioned above, some providers are more risk averse than others.

For every 1 ethical and reliable high risk processor, there are about 325 unethical ones that are just waiting to take advantage of you. Most high risk processors want some sort of reserve so they can cover their own behind should you close up shop, get a crazy amount of chargebacks or commit some sort of fraud. Maybe your industry is known for having a high instance of chargebacks or fraud. They don’t want to deal with any business that may pose a bigger threat of losing them money, so they avoid those business types altogether.

Amad has worked in the e Commerce and online marketing world since 2002.

He started as an e Bay seller, then slowly graduated to building & marketing his own websites and consulting others to do the same.

Hi Zanne, Durango is going to be your best option for high risk business.

You can add your art to the site, Durango wont mind, but you should know that high risk merchant accounts are more costly than traditional ones, so it may be more cost effective for you to go with Paypal. We are selling replica sneakers online and it’s very hard to get a payment processor for this with not much documents required.

I’m unsure on which merchant account I can get the best service and I’d like the quickest application process as well! Their application process is relatively fast, but I wouldn’t say the “quickest.” In this case, I would say that it’s worth it to go with Durango even if the application process takes, say a day or two, longer.

Hi Amad I offer rare Collector/promo items mostly music related DVDs (Music Video collections) No down loads and no CDs just DVDs.

The processor who put me on the list said they would give me a letter to submit showing account was paiid Hi Terri, We actually have a post about the TMF list that I think you would find helpful. Read through the post and get in touch with Durango to see if they can help you out. My Husband and I own a Pawn Shop, we started 18 years ago and we were with Moneris for the 18 years and we had a charge back, that was a big mess and they dropped us.

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