We hope we can do some business together.
We are interested in any US accounts that have been declined by any existing processor. We also work with many other processing banks both in the US and worldwide; we specialize in higher-risk accounts, but also niche accounts or accounts that are simply outside of the normal “acceptable” list for processors, as well as traditional retail accounts. The following lists the account types we have had success placing within the US in recent years. Seeing as how the high-risk industry changes every 2-3 weeks, as banks are always facing new regulations, it’s hard for us to give you an exact list of what we can or can’t do as the market is so fluid; if you don’t see your merchant type listed, please simply fill out the Merchant Pre-App Form and we will be happy to provide fast feedback!
Animals by Mail
Bail Bonds – MOTO
Bankruptcy (required time since discharge)
B2G (high average tickets from military contractors, $5K etc)
Business Opportunity (biz op)
Canadian E commerce
Continuity (free-trials, negative opt-out billing, previous history is typically required)
Daily e-Coupons (like Groupon.com)
Dating Websites & Matchmaking Services
Discount Medical/Insurance Memberships
Discount buying clubs/prepaid
eBay Merchants (no website)
eCigarettes & Accessories
Extended Warranty & Protection Services
Gift Certificate & Stored Value
Investment Advice – Stock Trading Tips/Mentoring/Software etc
Large AVT greater than 2500.00
Live Animals (puppies/lizards etc)
Micro loans (CC repayment)
Pharmacy- Retail only
Penny Auctions – No startups are taken with any of our processors
Prepaid Phone Cards
Sports Info (forecasting)
Tickets to Events (future fulfillment)
For EU Merchant Accounts , we have been given an exclusive opportunity with an EU processor to board both US and International Merchants with their processing solution.
Here are some highlights of the solution:
Cards Accepted are: Visa, Visa Debit, Visa Electron, MasterCard, Maestro, American Express, Solo and JCB
Current Currencies: USD, CAD, GBP, EURO, HKD, SGD, AUD,AED, CHF,DKK,JPY,NZD,NDK,SEK and ZAR.
Below is a list of “difficult to place” sectors we can look at (of course lower risk merchants are welcome as well):
Adult Content / Products
EU Gaming (coded correctly at 7995 MCC)
Claims (post-paid only – never pre-paid)
Nutraceuticals/Herbal Supplements (but not continuity/recurring billing)
Astrology / Horoscope / Fortune tellers
Pre-paid loads (3DS mandatory)
Collection Agencies (debit cards only)
FX (if UK licenced)
eWallet (if UK EMD2 licenced)
Payday Loans – Debit Card only with established financials and 6 months trading
Low Risk accounts can be placed in the 2% range dependent upon review of business model.
High Risk Accounts can be placed in the 3 to 4% range dependent upon review.
Merchants payout schedule is weekly, 5 days in arrears, and typically a 6 month “rolling reserve” of 5% or 10% is requested on new, or higher risk, merchants.
If the merchant is willing to open a bank account when getting their international merchant account through this EU processor, they will earn interest on their deposits.
No Cost Pre-application Form!
(Se habla español) Phone: 1+ 224-357-6314