Risk Management Solutions....

Services Offered:

  • ACH Solutions

  • Recuring Billing

  • Credit/Debit Card

  • E-Commerce Gateway 

  • Check Acceptance

  • V/MC Branded Solutions

  • ATM Point of Banking (P.O.B.) 

  • High Risk ACH Solutions

  • High Risk Merchant Processing

  • High Volume/High Transaction Accts.

  • Signature Loans

  • Recievables Financing

  • Merchant Cash Advance (MCA)

  • Gift/Loyalty/Instant Issue Gifting

  • Terminal Sales/Leasing

  • EIN Registration Services

  • International Merchant Accounts

  • Domain Name Registration Service

 

 

We Accept:

 

• Online Dating

• Subscriptions & Memberships

• Web Hosting

• Timeshare Sales

• Infomercial

• Downloadable Software

• Telecommunications

• In/Out-Bound Telemarketing

• Tours

• Travel

• Tour Guides

• International Merchants

• Negative Option

• Recurring Billing & Re-Bills

• Membership

• Continuity

• Pharmacy / Pharma (Online)*

• High Volume

• High Ticket Items

• Affiliate

• Direct Response

• Age Verification*

• Auction

• Bail Bond Issuer

• Binary Options

• Forex Websites

• Gift Certificates

• Gun/Firearm Stores

• Internet Collector Coin/Stamp

• Internet Electronics

• Internet Jewelry Sales

• Call Centers

• Ecigarettes / Ecigs

• Replica*

• Sports Forecasting / Odds Making

• Online Gaming / Internet Gambling

• Online Exercise Equipment

• Online Gift Basket

 

"Risk Merchants"

EXCLUDED MERCHANT TYPES AND PRODUCTS

1. Any merchant who receives a "possible match" on the Terminated Merchant File. Some Merchants may be able to relosolve this with our help.

2. Any merchant who is placed on the VISA/MasterCard Special Merchant File.

3. Items in red * are additionally reviewed.

Gears

• Online Herbal/Vitamin

• Online School/Education

• Pawn Shop

• PC Tech Support *(NO India Based)

• Poor Credit

• Online Herbal/Vitamin

• Credit Repair

• Debt Consolidation

• Loan Modification

• Financial

• Adult

• Bad Credit

• Gambling

• Online Casinos

• Chat Rooms

• Hair Restoration Services

• Horoscopes

• Internet Art Sales

• Escort / Companion Services

• High Chargeback

• Ticket Brokers

• Free Trial / Trial Offers

• Nutraceuticals

• Debt Collections / Collection Agencies

• Medical Discount Cards

• Licensed Medical Marijuana Dispensaries*

• ID Theft

• Multi-Level Marketing (MLM)

• Cruise Lines

• Auto Warranties

• Extended Warranty/Protection

• Online Legal Forms

• Refinance Kits

• Social Networking Websites

• Stored Value - BitCoin

• Water Purifiers

• Business Opportunities

And More!

Low Risk - restaurants and most retailers (excluding apparel and jewelry), nationally recognized insurance sales

Medium Risk - health and beauty products, telecommunication services, tuition for schools or universities, attorneys (excluding bankruptcy), utility payments, political organizations

High Risk - money making products/services, charities, monthly memberships/subscription services, insurance, jewelry, software, advertising services

Very difficult to underwrite - aggregation, online auctions, event ticket brokers, internet pharmacies, travel/tour/lodging, health/nutrition products offering guaranteed or miracle results.

Typically prohibited by most providers - collection agencies, credit repair, firearms or weapons, bartering, bankruptcy, lifetime or multi-year memberships

The risk surrounding credit card processing is complex and nuanced. There are a number of variables that determine merchant risk. Here are just a few: the merchant's longevity and financial stability, industry, business model, billing method, products sold / services offered, and previous processing history. The fundamental underwriting and risk management guidelines are very similar across the industry.