ARE YOU HIGH RISK?
High-Risk Merchant Accounts
What is a High-Risk Merchant Account?
A high-risk merchant account lets higher-risk industries accept card payments with specialist underwriting. We Tranxact Ltd provides UK and European high-risk solutions from our base in Birmingham, United Kingdom — with fast decisions, compliant setups, and scalable processing.
Why choose We Tranxact for high-risk?
- Fast placement across multiple acquirers. Therefore, fewer declines.
- Chargeback strategy and PCI guidance included.
- Same-day settlement options where eligible.
- Virtual terminal, mPOS, and marketplace gateway available.
- Transparent pricing. No long-term lock-ins.
Who do we help?
We support UK and European merchants classed as higher-risk due to model, exposure, or chargebacks.
- Travel, ticketing, and events.
- Subscriptions and continuity.
- Nutraceuticals and eCommerce.
- Tech support and digital services.
- Marketplaces and platforms.
How approval works
- Discovery call: model, volumes, and chargeback profile.
- Documentation pack: KYC, PCI posture, and flows.
- Underwriting: we match you to the right acquirer.
- Go-live: gateway credentials and risk controls.
- Ongoing optimisation: disputes and settlement tuning.
How Are Businesses Assessed as High-Risk?
Payment providers assess high-risk businesses using several indicators. These include industry type, chargeback ratio, transaction patterns, and global exposure. We Tranxact evaluates your business profile and matches you with UK and European providers prepared to work with complex models.
- Industry Type: Gaming, forex, CBD, adult, etc.
- Chargeback Ratio: High dispute levels increase risk.
- Transaction Volume: High or irregular volume triggers risk checks.
- Country of Operation: Cross-border or highly regulated markets.
Complete our inquiry form to assess your business’s risk profile.
What Are the Differences Between High-Risk and Low-Risk Merchant Accounts?
High-risk merchant accounts differ from standard accounts in fees, terms, and dispute management. Providers apply enhanced monitoring to protect against chargebacks and fraud. We Tranxact brokers custom solutions for UK and European high-risk merchants.
- Fees: Higher to offset provider risk.
- Contract Terms: May include monthly fees or longer agreements.
- Chargeback Protection: Stronger monitoring and alerts.
Low-risk accounts suit standard businesses. High-risk accounts support sectors facing greater exposure.
How Should I Choose a High-Risk Merchant Account?
Choosing a high-risk provider affects cost, approval speed, and dispute outcomes. Look for experience, competitive pricing, chargeback controls, and strong support.
- Industry Experience: Provider must understand your model.
- Rates: Compare processing fees and setup costs.
- Chargeback Protection: Essential for vulnerable sectors.
- Security: Ensure PCI compliance and fraud tools.
We Tranxact connects merchants with providers who specialise in high-risk sectors across the UK and Europe.
How Does a High-Risk Merchant Account Work?
High-risk accounts are designed to support industries with elevated chargebacks or fraud risk. Providers use specialist tools to protect you and ensure smooth processing.
- Fraud Protection: Advanced screening and risk filters.
- Flexible Payments: Multi-currency and gateway support.
- Chargeback Management: Alerts and dispute workflows.
We match you with compliant, secure high-risk providers ready to support your business across the UK and Europe.
How Much Does a High-Risk Merchant Account Cost?
High-risk merchant account costs vary based on industry, volume, and risk exposure. We offer competitive pricing through our network of UK and European providers.
- Setup Fees: Applied during account configuration.
- Transaction Fees: Based on industry and volume.
- Monthly Fees: Flexible plans based on your requirements.
Complete our inquiry form for a personalised quote.
More than 60 providers globally
Our partnerships with over 60 payment processing companies worldwide give you access to high risk payment gateways specifically designed for businesses with unique needs. This extensive network of providers ensures that we can offer solutions to fit your business, no matter the industry or level of risk.
Different industries supported
We cater to a wide range of industries traditionally classified as high risk, including gaming, adult entertainment, CBD products, and travel services. From credit card payment processing high risk to specialised merchant accounts for marketplace merchants, we have tailored solutions to meet the demands of high-risk sectors
Case by Case review
Each application is evaluated on an individual basis, allowing us to provide a custom solution that aligns perfectly with your specific high risk merchant account requirements. We understand that no two businesses are the same, and our thorough review process reflects that.
Dedicated Team
Our team of experts is committed to supporting you every step of the way, ensuring you find a high risk payment processor that matches your business needs. We are here to answer your questions, guide you through the process, and provide ongoing assistance as your business grows.
High-risk businesses often struggle to find reliable payment processing solutions, but at We Tranxact, we make it our mission to support industries that others may deem too complex. By offering high risk merchant services and partnering with providers who understand the nuances of your industry, we ensure that your business can continue to operate smoothly. Join us and let us provide you with a high risk payment gateway designed to keep your transactions secure and uninterrupted.
Get help todayAre You a High Risk Business
Are You a High Risk Business
Needing a High Risk Merchant Account?
Many businesses are classified as high risk by conventional payment processing companies, often because of the industry they operate in or the unique challenges they face. Sectors like gaming, adult entertainment, CBD products, travel, and subscription services commonly fall under this category. If you have faced rejection from traditional payment providers or banks, it’s likely because your business is considered high risk. At Wetranxact, we specialise in helping such businesses by providing access to high risk merchant accounts and high risk payment gateways that cater to these needs.
A high risk merchant account allows your business to handle payments securely and efficiently, regardless of the industry risks involved. With a merchant account high risk from Wetranxact, you gain access to merchant services providers who understand your industry, enabling you to operate without worrying about payment disruptions or unexpected account closures.
Our payment processing companies UK network covers a wide range of industries and provides solutions designed for businesses that may have higher-than-average chargeback rates or compliance requirements. We work closely with merchant service providers UK to ensure that our clients receive reliable, secure, and flexible payment options, even if their business models don’t align with traditional providers’ risk appetite.
At Wetranxact, we know that every business is unique. That’s why we take a personal approach to each account, reviewing applications on a case-by-case basis to identify the best payment solution for your company. Our goal is to support your business’s growth with custom merchant accounts for high-risk businesses, including solutions such as credit card processing high risk options and payment gateways high risk designed specifically for complex industries.
Whether you are an established enterprise or a startup in a high-risk sector, our high risk merchant services provide the payment support you need. By choosing Wetranxact, you gain a partner committed to ensuring your business has access to the merchant service providers and payment solutions that can help it succeed, no matter the challenges of your industry.
How to Apply for a High Risk Merchant Account with We Tranxact
Applying through We Tranxact is straightforward:
Complete the Inquiry Form: Provide your business details at the bottom of this page.
Consultation: We’ll review your application and schedule a consultation.
Provider Match: We connect you with a suitable high risk payment processor.
Account Setup: Our team assists with the setup process for a smooth start.
Start your application by filling out the inquiry form below
Enquire Now
We Have A Very High Success Rate With High Risk Businesses