Many merchant account providers do not understand the issues surrounding this industry and will provide a merchant account that will eventually be terminated, which is not only highly disruptive to any business, but it also makes it. You can navigate the banking world with the aid of those B2B gaming service. It’s also free of monthly fees. com and click Create account. google. Online gambling has fewer regulations than land-based casinos, thus banks are wary of lending to online gaming businesses. There is a spike in the number of customers playing online games and with the increase in the number of fans their spending also is going to increase, let alone in the US, over 164 million people do online gaming. But having this account will not make you worry about any type of fraud. All types of online gaming merchants qualify for. “A Complete Online Payment Solution for Gamers” Online Gaming Merchant Account helps gaming merchants to receive online payments in a simpler and…The online gaming industry is ripe for fraud. A merchant account is a crucial part of being able to accept online payments; however, the process can feel overwhelming. Online Gaming Merchant Account helps gaming merchants to receive online payments in a simpler and faster way. If you don't have a Google Account, go to accounts. We help business owners like you keep their focus on making money. GAMING MERCHANT PROCESSING. With a domestic online gaming merchant account, an online gaming merchant will be imposed volume caps – and nearing or exceeding such caps can get a. There are several type of fees attached to accommodate to the financial loss from the Acquirers. An Employer Identification Number. Gaming players invest a massive amount of money; thus, gaming platforms are a promising option to steal a lot of money through credit cards. Due to specific regulations and restrictions in certain states, online gaming is often classified as a. Smartphone penetration rates are also growing, and there has been. 508: HPP: Invalid characters in order id - please use only A-Z a-z 0-9 _ - or contact the. Finding the right merchant account can be a challenge for online gambling companies. Gaming Merchant Account Fees: Gateway Fees: Discount Rate: 1. See moreWhat is an Online Gaming Merchant Account? As is the case with any business that accepts payment by credit card, online gaming businesses need to have merchant. A Forex merchant account is vital for a foreign business that accepts online payments. Why merchant account is important for online gaming? Merchant accounts are provided specifically to control the functioning of your e-commerce…Online Gaming Merchant Account Makes Gaming Businesses Superb. Get immediate assistance in case of any technical or operational issue of. Here is a list of the documents that the merchant must provide: What is a gaming merchant account? What is a gaming merchant account? Simply put, it's a specialized type of merchant account that caters specifically to businesses in the gaming industry. These are themselves financially risky activities for the customers, and a portion of such risk is always carried by the business that provides said. Essentially, a merchant account acts as the middleman between the use of the card and the deposit of the. As soon as you’re approved, EMB can set up chargeback management tools and a payment gateway. In order to get and maintain good standing with your service provider, you must meet. Once approved, the merchant account deducts the transaction amount from the customer’s credit card. What is an Online Gaming Merchant Account? As is the case with any business that accepts payment by credit card, online gaming businesses need to have merchant accounts so that customer payments can be received and processed. But, with a dedicated online merchant account, you can get the most revenue out of your gaming business. There's no underwriting process, so even a new e-commerce business can open an account. Durango Merchant Services: Best For Offshore Merchants. 2. On the online gaming platform, gamers need a quicker payment service to pay for buying more kinds of equipment and also want to complete the betting on time. financial risk involved. According to a recent survey, over 70% of online gamers prefer to make transactions with their debit or credit cards. Without this business account, which actually works more like a line of credit, a merchant cannot accept and process credit and debit card transactions. The main aspect that lures customers is the effortless experience from the. All types of online gaming merchants qualify for accounts including mobile gaming; social gaming, multiplayer video games; fantasy sports; online poker; racetracks, pari-mutuel wagering; and casinos. When applying, merchants should keep in mind that the more information provided, the faster an Online Gaming Merchant Account can be approved. Such accounts offer a range of features and services tailored to the gaming industry, including processing of payments from popular gaming platforms. See more ideas about merchant account, merchants, accounting. 50% Transaction Fee: 0. This account is offered by an acquirer, a bank that is ready to work with a high-risk. A gaming or online gambling merchant account can develop your plans everything considered. The Safer deal comes out of a transaction that happens online. Interaction between people. The Curaçao eGaming’s main characteristics are as follows: For all forms of. Connected. Before choosing a market participant, make sure you can accept all major cards and that the account has. If you don’t want to deal with setting up a merchant account, a third-party processor will use their merchant account to accept credit card donations on your behalf. With the sharp rise in e-gaming popularity, Instabill can offer online gaming merchant account solutions – domestic and offshore – with competitive rates. Hiccups such as excess chargebacks. Online gambling, is commonly known as gaming within the merchant services industry. Click on the “account” buttons if you want to start filling out a free application. The original risk factors are gaming and gambling. Easily accept payments from players. When using an offshore merchant account, your acceptable chargeback ratio increases from below 2% to 3-4%. With regular releases and a resilient infrastructure, you can rely on our platform and focus on what’s important for your business; delivering the best possible experience to your. For any new provider, the initial hurdle is often dealing with the potentially complex legal requirements. Then all you have to do is integrate your shopping cart into your website or app and start accepting payments. We have years of experience and have amassed valuable knowledge relating to online gaming merchant accounts. FintechMerchantAccounts is leading the market when it comes to providing casino and online gaming merchant accounts. 7995 - Betting. With MOTO payments, the cardholder provides their card details and authorizes the transaction in writing or by verbal consent. The entire issue is rooted in endless confusion of skill gaming with gambling. Customers then make purchases as they normally do, but can split their purchase over four payments. Depending upon the business model and risk profile, the Provider may offer any pricing structure. Post Views: 18,467. On the online gaming platform, gamers need a quicker payment service to pay for buying more kinds of equipment and also want to complete. A gaming merchant account is interpreted as a high-risk account for many reasons: The turnover rate at your business may be too high. ChargeMoney is offering efficient and secure Travel Merchant Accounts tailored for businesses in the travel industry. Understanding Online Gaming Merchant Account Fees and Requirements. Active GO2bank account required to receive eGift Cards, eGift Card merchants subject to change, as well as the percentage of cash back from each merchant. At that time, we were developing online gaming LaaS (licensing as a service). Once you upgrade to a subscription-based QuickBooks Online plan, all your data carries over—profile of the user, merchant account and bank account, bank transactions, payments transactions, and more. A high risk merchant account is a type of payment processing service that is designed for businesses that are considered to be at a higher. Obtain A Business Bank Account. It provides a reliable payment solution for both the business and the players. The ability to accept credit card payments. But, by having a reputed online gaming merchant account you can get the most out of your business. Merchant solutions comprise payment processing services, merchant accounts, chargeback management, fraud prevention, etc. 2. 508: HPP: Invalid data in MERCHANT_ID field. It involves the transfer of funds between players, gaming companies, and financial institutions to enable the purchase of in-game items, virtual currencies, or to fund player accounts. Get the Best Online Gaming Merchant Account for Gaming Industry. Account Se-up or Installation fee. The Best Merchant Account Service Providers of 2023. eMerchantBroker. The principal’s Social Security Number. However, some pitfalls cause lots of troubles when it comes to processing payments. Merchant accounts are a must-have for businesses that accept electronic payments and businesses that are 100% online-based. Sign in to Play Console. An online payment gateway has a quite important function in the whole payment process, as it virtually connects the wallets of customers with gaming merchant accounts to create a transaction space. If you choose to cancel your QuickBooks Online subscription, you will still have access to your. 3 billion and 2. We help companies who need to acquire an online gaming merchant account and run a sustainable business. Banks and other payment processing companies might label a. Please contact the merchant, or refer to your code and the Developer's Documentation. The online gaming demand is increasing significantly, hence gamers are more conscious of what they can anticipate from online gaming merchant account providers. To do that, you then need to enter a contract with an acquiring bank. Merchants that want to effectively process credit card payments need to turn to a processor, like eMerchantBroker. We guide online casino businesses in establishing accounts to manage player deposits. 1. Call us at (727) 873-0963. The merchant service provider will allow you to open a merchant account through which it handles electronic payment transactions. Merchant account services refer to the financial services that enable businesses to accept electronic payments from customers using credit cards, debit cards, and other forms of electronic payments. A high-risk merchant account is among the favorite targets of fraudsters for a data breach. Quickly send money to winners. A high risk payment processor is also an important partner to get an online gaming merchant account, which is essential for correctly identifying your business and avoiding being deplatformed. Gaming continues to grow in popularity, with an estimated 2. All it means is you may have to pay a bit more, complete a few extra forms and sign a contract. Most of the merchant account for casino and online gaming gets approved 24 hours after a successful implementation. Web based gaming is a general term that is utilized to portray any type of an electronic amusement that is played over the web. If your nonprofit sells T-shirts and other items, Square’s free point-of-sale (POS) software, e-commerce tools, and mobile card readers can streamline sales. Our gaming credit card processing services can ensure businesses are compliant by properly categorizing the business when the merchant account is established. Obtaining an online gaming merchant account isn’t easy. 7% from 2022 to 2030. People can play on gaming platforms stress-free thanks to the new. Amald has online gaming merchant account solutions that meet global gaming customers' requirements. Conventional banks are somewhat sceptical of those operating within the gambling industry, making ChargeMoney the easiest and safest solution to guide you through the process safely. Anti-cheating Techniques Integrating techniques to prevent cheating can be. An adult merchant account allows you to worry less about chargebacks and focus more on running your business. With a reliable gaming merchant account, online companies can make the most of their business. GBO assists to gaming businesses to find, locate and match with everything they require in order to begin accepting online card payments, from a payment gateway to gaming merchant accounts. S. The Social Gaming Merchant Account industry is viewed as high risk due to its high average chargeback proportions (cordial extortion is uncontrolled), legitimate hazy situations (when gaming meets betting) and the inborn fraud risks of any 100%-online business. 3. With a merchant account from Instabill, we offer live support Monday. Online Gaming Merchant Account. Online Gaming Merchant Account to Drive You Through the Efficient Gaming Payment Transactions. Again, adult entertainment account and payment processing rates fluctuate with season. To process credit card payments effectively and efficiently, businesses need to turn to Casino Merchant Service providers to obtain a casino and online gaming merchant account. Discussion about Online Gaming Merchant Account An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Merchant Stronghold specializes in both online gaming merchant accounts and online gaming payment gateways and offers the best gaming merchant account in the industry. Payment Depot: Best for High Transaction Volume. com (EMB), to apply for an online ticketing merchant account. What are Online Merchant Account Services. One of the most important goals of online gaming merchants is turning players into payers. Anti-cheating Techniques Integrating techniques to prevent cheating can be. You must find a provider which focuses on the following issues:-Charge-back reporting and prevention. Learn about online gaming merchant accounts, top high risk payment processors, and expert tips to keep your igaming business running smoothly. This will reflect a 37% growth all factors remaining constant. You must find a payment processor which reports instantly any refund inquiry by the players. Travel Merchant Account. Step 3: The card issuer sends the purchase information to the customer’s bank or the issuing bank to approve or. However, the sector’s influence extends far beyond dollars; it has shaped broader social, cultural, and business trends and established a path for companies to. 1 billion in 2021, and experts expect it to expand by…Online Gaming Merchant Account Solutions. We provide gaming businesses with local & international payment processingThe online gaming industry is large, and it, like any other, includes bad actors. Online Gaming Merchant Account - Gaming Credit Card Processing Gaming Merchant Accounts For Your Credit Card Processing Needs Accept Payments Online in Multiple. You must find a payment processor which reports instantly any refund inquiry by the players. While the codes of 7994 and 7999 are considered medium risk, 7995 is classified as a high-risk business. com can get you a secure and affordable gaming merchant. It is a fundamental way to improve all your business transactions when you go for Online Gaming to run online. Click to continue reading gaming merchant account and high risk merchant account. Steps to get a Gaming merchant account! Step 1: The first step is to sign up with us. Take a look at the latest methods for processing credit and debit card payments, including. 7801 - Regulated online casinos. As a gaming merchant, you need to be aware of the needs of your gamers and also what your business needs. 7800 - Government-run online lotteries. Top Online Gambling Merchant Processors. Review the details of the linking of online payment and select Authorize. The payments that are made by customers are credited to this account and then in the specified time period, the funds are settled to the merchant’s bank account. Casino games, sports betting and online bingo sites cover the major proportion. 20% + $0. Amald offers 2D Payment Gateway to industries all over the world, whether it is small-sized or big sized. PowerPoint Templates. Advantages Of A Online Gaming Merchant Account ; Getting your own gaming company might develop bigger than you'd think. QuadraPay Online Gaming Merchant Accounts. We've mixed the best PSPs below. Online gambling is commonly known as gaming within the merchant services industry. Our credit card processors also provide offshore credit card processing solutions. Online Gaming Merchant Account | Perfect Payment Solution “A Complete Online Payment Solution for Gamers” Online Gaming Merchant Account helps gaming merchants to receive online payments in a. The merchant account provider will also need the following information for the underwriters and processors: A government-issued ID (driver’s license, etc. . If your business is struggling with poor credit, you’ve likely been turned down for a merchant account by your standard, low-risk provider — but don’t worry. Valid government ID of the principal. 2. You can begin the process by just applying online now. Merchant Stronghold’s team. Setup your Gateway Today! 1 2. The Best Merchant Account Services. You will be charged a processing fee by. The straightforward 3% chargeback policy with EMB keeps things simple for you. Or check it out in the app stores Home; PopularGaming merchant Account opening – for online casino operations; Payment solutions for online gaming business. MCC codes can also effect the merchants processing rates. started today! Our gateway will enable you to accept credit cards and local payment models in no time. The ability to integrate Easy Pay Direct with. Make sure to have your business info available to set up your payments profile. If you intend to run an online gambling platform, you will need a gambling merchant account. An online gaming merchant account is a business account used to process payments of the customers/players. Ecommerce companies that often opt for offshore merchant accounts include gaming sites, electronic cash, travel website, biotechnology, adult entertainment, sportsbooks and online drugstores. The merchant account assures. Gaming merchant accounts are of two types, coded and non coded accounts. Unknown hash. National Processing. Step 2: You will be asked to fill out the application. Posted on September 15, 2017 May 12, 2023 by merchants. We are the financial firm and offer a solution to the merchants who are in the business of online games. Payment Gateways for Online Gaming. How to link. The main difference between online gambling and casino businesses and other businesses such as brick-and-mortar retail stores is how risky these businesses are to acquirers. Gaming Payment Gateway instantly secures online payment transactions from potential threats. Games are inherently a part of human existence. Multiple common factors include profitability, chargebacks, & business history; there are a lot of other factors which are included. Ipaytotal | iPayTotal specializes in both online gaming merchant accounts and online gaming payment gateways and offers the best gaming merchant account in the industry. Adding secure bank transfers on your checkout page as an alternative payment method boosts profits by eliminating the risk of chargebacks. Gaming payment processing typically involves a. Ability to set-up a gaming merchant account. Moreoer, it is a secure. An Employer Identification Number. 3. An online gaming merchant account is a customized merchant service that helps in online money collection. As a payment processor located in the European Union, eDataPay Bank Card Group has built an extensive network of banks and financial partners. With an online gaming credit card processing solution and merchant account from BankCard USA, you can bypass the app store and so much more: Process all forms of electronic payment, including all major credit/debit cards and ACH transfers Manage one-time and recurring billing so members can auto-pay on a set schedule Payment processing for online gaming merchants. It will typically be linked to a payment processor that is integrated into the website and/or application. Nonetheless, we have a high endorsement rate for high risk merchants and offer. Clover: Best for POS. ProMerchant: Best for High-Risk Businesses. You’ve found a payment processor that has full online gaming merchant account solutions and knows the gaming industry. What Is Gaming Merchant Account?A gaming merchant account is a type of payment processing service specifically designed to serve the needs of gaming businesses. It’s like a regular merchant account, but it’s made for online gaming. It is also a viable solution for merchants who have difficulty getting a merchant account as well as consumers who don’t have a bank account. We specialize in funding online gaming accounts with ACH processing while simultaneously combatting chargeback threats and fraud. Your merchant account communicates with the customer’s card issuer to confirm the transaction. Stripe is one of the leading merchant services providers out there. The account must be able to transfer money from and to the company’s merchant account. A merchant account refers to a type of business bank account. Easy and smooth Payments. There is an agreement made between the merchant acquiring bank and an acceptor for the payment settlement. Due to needing a merchant account to process credit cards, they are crucial to bringing revenue into your business. The gaming market is estimated to have a turnover of USD 198. 2D Payment Gateway allows a cardholder to pay without a security code and a one-time password. Applying for “No-Credit-Check” Merchant Account: Step-by-Step Guide. 7 billion in 2022, according to Statista. If you're in the online gaming business, Double Helix Processing can help you get the right merchant account you need. Corepay: Best For Mail Order/Telephone Order Businesses. There are several benefits that the merchant can gain by having the optimized solution from the merchant account services: Safe and secure credit card transaction thus preventing online frauds. As e-gaming operations are considered high risk they are often rejected by banks and instead owners have to work with a high risk payment processor that is familiar with the gaming industry and already provides gaming merchant services. When you are a merchant who is searching for expanding his casino business, then you must get an Online Gaming Merchant Account. What is online gaming merchant Account? Merchant account facilitates payment accepting ability. Also to give the most successful transaction results. Our online gaming merchant account services are in high demand as the industry continues to grow, with three out of four households having at least one gamer. Register Your Business. One of the most important goals of online gaming merchants is turning players into payers. For a merchant, a better approach is to immediately make an action plan and work on ways to. Opening a gaming merchant account with Radiant Pay will allow your customer to pay easily with credit and debit cards. It’s not your business bank account—it’s a separate account that holds transacted funds before they are sent to your regular business bank account. 3. 00 EUR; Setup: 100 EUR Optional Annual Fee 3D Secure: 49. Most of the merchant account for casino and online gaming gets approved 24 hours after a successful implementation. To have a merchant account, a business has to partner with a merchant. The merchant account is PCI DSS certified for online gaming. Thus, the payments are first collected in this account on behalf of the intermediaries. Apr 8, 2022 - Explore Highrisk Gateways's board "Online Gaming Merchant account" on Pinterest. Please contact the merchant. Accept credit and debit cards for the gaming business. We have even created some state-of-the-art solutions, such as a forex payment gateway, offshore payment gateway, online gaming merchant account, credit card merchant account, etc. To get an online merchant account instant approval, most merchants are advised to get in touch with the online gaming merchant account bank of their choice and file in their applications. With the right tools and some know-how, you can accept credit cards online. 00 EUR Refund Fee: 1. 2. 9 billion in 2016. It involves the transfer of funds between players, gaming companies, and financial institutions to enable the purchase of in-game items, virtual currencies, or to fund player accounts. It happened to be that, this account has become viral since the online gaming merchantOnline payment processing for gambling merchants is not new to us. However, sponsors of online gaming like casinos, sports betting, fantasy football, and baseball, and other games of. A merchant account is a type of bank account that allows businesses to accept payments from customers via electronic transactions. Choose a third-party processor. Where does the U. According to the International Trade Administration , the worldwide video game industry has a value of $159. 11 per online transaction w/ discounts for nonprofits & high-volume businesses. If they see that the gaming platform gives round-the-clock support to the players, they happily. Online Gaming Merchant Account Merchant accounts are provided specifically to contr. You’ll need to set up a merchant account with a payment gateway, which will help you process payments securely. The online gaming industry requires high risk merchant account. Having a merchant services account is an integral part of payment processing for your small business. Online Gaming Payment Gateway is a serious task that should only be entrusted to a trustworthy processor. Credit and debit cards are the next step in the development of the online gaming business. All types of online gaming merchants qualify for. Merchant account fees are simply fees paid to maintain the merchant account you need to be able to accept credit and debit cards. We have solutions for all sorts of gaming businesses, whether gambling, casino, social gaming, etc. 1. An online gaming merchant account is a payment processing account devoted to online gaming businesses. Name and address: Enter the legal name of your business as you. It immediately stops the transaction, if the fraudster gets caught. So, push it into an immensely beneficial business by. Social gaming merchant account solutions at 5 Star Processing. 95% - 3. And. Your account needs to be secure to process cards online. It is a source account where all transactions are managed,. Once the gaming payment gateway confirms the payment, the merchant receives the payment on the gaming merchant account. Tags: High Risk Business. Its main purpose is to receive deposits and payments, as well as to set payouts and player awards. Without this business account, which actually works more like a line of credit, a merchant cannot accept and process credit and debit card transactions. But you may have been thinking that what it has to do with a gaming merchant. Thankfully, there are specialized companies that cater to high-risk merchant accounts, perfectly suited for the gaming industry. Enter the 6-digit authentication code sent to your GCash registered mobile number. 7 billion gamers worldwide. 40 billion in 2021, and also it is expected to reach USD 339. A gaming merchant account is essential for online businesses in this unique industry. Does. Thus, eMerchantPRo provides a complete support and assistance for your online Gaming Business. Get started or call us today at (800) 621-4893. The principal’s Social Security Number. Online Gaming businesses such as Lottery, Online casino, egaming etc. Customers provide their credit card info, and then the payment gateway passes the information between the selling business, the customer’s bank, and the seller’s bank, either approving or declining transactions along. The original risk factors are gaming and gambling. When you click on. For more information, visit the National Processing website or call (385) 777-1235. Helcim : Best All-in-One Platform. Here is a step-by-step process on how to set up a merchant account. 1. Online Gaming Merchant Account is a high-risk account. When you click on. It has several beneficial features that run to complete operations faster. iPayTotal specializes in both online gaming merchant accounts and online gaming payment gateways and offers the best gaming merchant account in the industry. A flat-rate pricing structure is offered by Stripe:Online gaming merchant accounts contain many types of fraud prevention tools that check the real identity of the player. There are several type of fees attached to accommodate to the financial loss from the Acquirers. Online Gaming Merchant Accounts . DigiPay’s expanded network of banking relationships processes payments for the gaming industry at competitive rates, terms and conditions. Beyond that, EMB can also set up a fraud filter for your online payments. Steps to get a Gaming merchant account! Step 1: The first step is to sign up with us. While gambling laws are still strict, more financial services. Gaming and interactive entertainment are considered high-risk businesses, which means service providers are frequently ineligible for merchant accounts at numerous sponsoring banks. You can begin the process by just applying online now. All Online gaming merchant account, in general, is considered a high-risk business activity, but online gaming adds even more risk into the mix. Powered By Tier 1 Acquiring Institutions QuadraPay brings to you No Tantrum Gaming Merchant Account. PayKings Provides Online Gaming Merchant Accounts. We approve high-risk merchant accounts with the services you require to successfully run your eCommerce business. We can assist in the field of online gaming payment processing and serve businesses offering casino games, poker, sports/sportsbook,. Online fraud is a big issue for almost every online merchant. Your new online casino won't be able to. Our payment gateway API easily incorporates into an e-commerce website and assists in processing online payments through multiple channels. While both payment gateways and merchant accounts are essential for online poker businesses, we serve distinct purposes. It has several beneficial features that run to complete operations faster. In short, your merchant account lets you accept and process electronic credit card payments. Mobile gaming, social gaming, multiplayer. The prevalence of credit card processing providers evaluates it as a high-risk industry because of. Stax: Best for Subscription Pricing. The details of existing chargeback ratios. According to a survey, 88% of people prefer to make an account when purchasing video content. Nodal Account. You'll need a Google Account (for example, Gmail) to sign up for Merchant Center. A company's revenues from online gaming, on the other hand, can be maximized with the help of a trustworthy online gaming merchant account. Thus, eMerchantPRo provides a complete support and assistance for your online Gaming Business. Under "Payments profile," click the down arrow and select Create payments profile. Every payment mode whether credit card or debit card includes a transfer of funds to a Social. The industry has exploded in popularity in the United States with over 45. In addition, the application process is fast and hassle-free. EskayPay is known as the top payment processing service provider in the industry. A financial contract between your business and the bank will create and authorize the merchant account to exist. You must find a provider which focuses on the following issues:-Charge-back reporting and prevention. A merchant account is a type of bank account that allows your business to securely accept payments via credit cards, debit cards, and other electronic payment modes. Step 2: You will be asked to fill out the application. The online gambling industry is vast and like other industries has many hurdles to overcome. Call PayPound at +44 800 832 1733 or email sales@paypound. Not simply you will be able to benefit by this kind of trade yet what’s more will your customers. 2. 7 billion gamers around the globe. Get processing. Offer internet banking enabling you to make transactions online anytime, anywhere. Finding the right partner for your credit card processing is not easy and this is especially true for online gaming companies. Payment Gateway For Gaming Platforms in India. After payment, the in-game item is transferred to the users. Fill out EMB’s online application today and get approved for a merchant account within 24 and 48 hours. The vast majority of banks who are giving them a credit line consider this factor high-risk. Obtain a business license. 8 billion in 2017 and is expected to grow up to $94. Being considered a high-risk merchant is not a death sentence for your business.