Additional services that are relevant to the high risk merchant which many times are based outside of the United States may include multi-currency accounts, no volume caps, the acceptance of international credit cards, virtual terminal access, ability to work with e-commerce businesses that potentially may have had a personal or business bankruptcy in the past.

As the high risk industry evolves, merchants with average tickets, subscription based products or services, start-up companies, poor credit ratings of owners continue to fall into the high risk category. Many times I think it is unfair as a merchant with bad credit years ago may now have a growing and solid business but still falls as high risk and is subsequently being charged higher credit card fees than his competitor down the street.

In the old days, high risk was interchangeable with the adult processing industry – however, now, there are so many different niche markets that are classified as high risk that it isn’t fair just to name a few. The industry of merchant types is growing as is the number of services that are needed to help these companies continue to grow within our competitive landscape.