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High Risk Merchant Programs

Some merchant processing companies may call your business high-risk and just reject your business from credit card processing; Merchant Processing Solutions Inc. stands behind hard-to-place merchants with our multiple high-risk platforms.

High Risk Merchant Processing

There are a number of reasons a processor marks a business as high risk. Some industries are known for having a high number of chargebacks or fraud such as Annual Memberships, Electronic Cigarettes, Credit Repair, Travel, Mail Order, Multi-Level Marketing, Online Liquor & Firearms, Electronics, Marketing and Auction Companies, to name a few.

Offshore and International Sales also fall under high-risk due to currency conversion, delivery and chargeback issues. Some industries, like marijuana and gambling can have legal implications depending on where the business is located. Or simply the owner of the business has bad credit.

If you have been told you are a Tier 3 or High Risk Merchant, please call us.
We can help you with payment acceptance when most other cannot not or will not!

Some of the Most Known HIGH RISK Merchant Types

  • 1-800 type chat sites
  • Airlines
  • Airplane charters
  • ALL sexual oriented or pornographic merchants: (i.e. companion or escort services, adult telephone conversations, adult book stores, dating services, online adult membership or matchmaker services, adult paraphernalia or toys.)
  • 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
  • And More!!

* Disclosure: High Risk merchants will not be boarded with Wells Fargo Bank.

The Benefits of Working With Us

There's more to what we offer besides an outstanding solution to your merchant processing needs for your restaurant. There's perks too!


No Cancellation or Early Termination Fees

It is the philosophy of Merchant Processing Solutions Inc. to partner with our merchants to help them save money on their merchant processing which allows them to grow their business.


No Application Fee

Not to worry, we won't charge you to apply to use our merchant processing services for your restaurant, so what are you waiting for?

Full Disclosure of Rates and Fees

We have nothing to hide. We disclose all of our rates and fees upfront so there's no surprises.

MPS Pricing Model

We always are 100% transparent with our pricing model. Learn about our fees, refund handling, annual rate reviews and more.

Onsite Setup, Training and Customer Service

If you and your staff need help with setup, training or support, just contact us and we'll come to your restaurant.

Understanding Rates

We explain our merchant processing rates in depth for you. You'll also learn about the 3 models available in the industry: flat rate, tiered, interchange plus pricing.

Next Day Funding

We offer next day funding to all of our merchants. Find out how you can get your funds fast!

24/7/365 Merchant Support

No matter where your restaurant is located in the U.S. or what time you need support, we are here to help.

Personalized Solutions

We understand that each business has unique needs. That's why each of our solutions are customizes just for you!

State-of-the-Art Technology

Merchant Processing Solutions offers a multitude of hardware and software solutions to meet our merchants needs.

Local with National Reach

We are located in South Florida, but we provide merchant services throughout the United States and the Caribbean.

Experience and Reliability

Being in the business since 2006, with over 40 years of combined experience, we know a thing or two!

Interchange Plus Pricing

This model consists of two components — the interchange fee determined by the card networks and a markup set by the credit card processor itself.

Is Your Business High Risk?

If your business is considered high risk, we can help you find a merchant processor that will minimize your risk with the right platform. There are specific conditions such as credit score or financial failure that can also create a high-risk business. If you are unsure about your status for high-risk give us a call today for a free consultation!

Ready To Get Started?

Merchant Processing Solutions offers the best software, programs and merchant processing solutions for high risk businesses.


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Merchant Processing Solutions is a registered ISO of Wells Fargo Bank, N.A. Concord, CA.

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