High Risk Processing

In today's world of High Risk processing, most times that classification is based on the Processing  Industry's experience with excessive chargebacks, identity theft, fraudulent credit card usage, negative renewals, or promising products or services that are often undeliverable, or do not work as promised. Those issues cause merchants to automatically go into a high risk category.
Often times, merchants can be placed into high risk groups because the Credit Card Associations, Visa/MasterCard, AMEX or Discover, simply do not have enough empirical data to place your business into a lower risk environment.
At Insignia, we understand those risks and may be able to help you qualify for a better risk level. We may even be able to help you remove a TMF block on your processing profile.
Let one of our industry experts consult with you confidentially, and see if we can help you get a better risk classification with a major processing company, and get your business back on track!

About High Risk Processing

First thing that you need to understand is that while one provider might consider you high risk…another may not.

The high risk segment of payment processing has become more important as banks and ISO’s have begun to tighten up their credit restrictions and underwriting policies. Businesses are classified as high risk primarily because of their product or service and the way they go to market. In merchant services, risk is related to charge backs or customer disputes.

However, you're in luck as Insignia Payment Solutions specializes in setting up accounts for "High Risk Merchants"

Contact Insignia for an Account Today!

Your information is private and will never be shared with third parties.

Below is a full listing of businesses that are deemed "High Risk Merchants":

  • 1-800 type chat sites
  • Airlines
  • Airplane charters
  • Amazon, Yahoo or Google Stores
  • Annual contracts
  • Antiques
  • Auctions
  • Automotive brokers
  • Bankruptcy attorneys
  • Brokering
  • “Business opportunities”
  • Calling cards
  • Casino, gambling or gaming
  • Check cashing services
  • Cigarette or electronic-cigarette sales or nicotine cartridges
  • Coins, collectible currency or autographed collectibles
  • Collection agencies
  • Coupons or rewards-points program
  • Credit or debt repair
  • Credit counseling
  • Credit protection
  • Debt collection
  • Direct selling
  • Discount health – medical care programs
  • Debt consolidation
  • Drug paraphernalia
  • eBay Store
  • E-Books (copywrited material)
  • Electronics
  • Event ticket brokers (unlicensed – non registered (i.e. Stub Hub type merchants))
  • Exporting services (non US based)
  • Fantasy sports websites
  • Federal Firearms License (FFL) dealers
  • Finance broker, financial consulting or loan modification services
  • Indirect financial consulting (i.e. How to Save Money by Lowering Your Electric Bill.)
  • Financial planning, strategy or advising
  • “Get rich quick” – books, programs, etc…
  • High average tickets
  • “How-To” type websites (i.e. “Learn How-To Make Money on The Internet”)
  • Horoscopes, astrology or psychic services (i.e. fortune tellers)
  • “Hype” products or services
  • Hypnotists or self-hypnosis
  • International merchants (non US based)

  • International shipping, cargo or import/export
  • Investment firms
  • Investment strategy
  • Investment books
  • Lawyer referral services
  • Life coaching
  • Lingerie sales
  • Lotteries
  • Magazine sales and subscriptions
  • Mail order
  • Membership organizations (over 12 months)
  • Merchants on the terminated merchant file (TMF list)
  • Modeling agencies
  • Multi-currencies
  • Multi-level marketing (MLM)
  • Music, movie, software downloads or uploads
  • Non US citizens
  • Off-shore corp. establishment services
  • Pawn shops
  • Poor credit
  • Prepaid debit cards
  • In-bound or outbound telemarketing services
  • Real estate
  • Replica handbags, watches, wallets, sunglasses etc… (knock-offs)
  • Self defense, pepper spray, mace, etc.
  • Seo services
  • Social networking sites – Facebook, Twitter, MySpace etc…
  • Sports forecasting or odds making/betting
  • Talent agencies
  • Telecommunications
  • Telephone companies
  • Telephone order
  • Third-party processing, factoring merchants (i.e. payment processors, vacation rental brokers)
  • Time-shares or time-shares advertising
  • Tour operators
  • Travel services
  • Travel agencies
  • Travel clubs
  • Vacation planners
  • Vacation rentals (unless property is owned by merchant)
  • Vitamin and supplement sales – diet pills, prescription pills, health supplements, pharmacy
  • Voip services
  • Extended warranty companies
  • Weapons of any kind – guns, knives, stun guns, or ammo. Includes any parts of weapons