A High-Risk Merchant Account Provider Offering Boundless Services

As a high-risk merchant account provider, our team at eDataPay.com offers secure credit card processing for online businesses and offshore merchants worldwide. If you are running what banks consider a speculative business, then turn to our reputable processors for quick, safe transactions.

What Makes a Business Risky

Every day, banks turn down online merchants that have excellent credit scores, good reputations, and solid revenue streams because they don’t have bricks-and-mortar businesses or enough assets. Banks classify these companies as high-risk merchants because there is a greater chance that these businesses disappear or go bankrupt before they pay back their debts.

Traditional financial institutions also don’t like to work with businesses, such as online dating, auction, and gambling sites, adult entertainers, telemarketers, and web-hosting services. Banks turn them away their rates of failure are higher and they sell what they consider questionable products or services.

It’s simple. We take the risk when banks won’t. Fill out an online application today and get approved in as little as 24 hours.

When banks turn businesses away, we are there to help. Get started today.


Choose Our High-Risk Merchant Account Experts

Our team at eDataPay.com works hard to help national and international businesses process credit card payments quickly and efficiently. We also offer a host of other financial and payment solutions that allow high-risk merchant accounts to grow and prosper.

We offer:

In addition to having significant experience working with high-risk merchants, we also maintain a positive reputation because of our fair, customized pricing options and quality customer support.

One of the reasons we were named the number one high risk merchant account provider and processor by Top Credit Card Processors five times is because we pride ourselves on being there for our customers when they need us most. As a BBB Accredited Business with an A+ rating, merchants also can feel confident working with us.

We are focused on providing customers with positive experiences. To ensure all needs are met, our support staff is available 24 hours per day, every day to answer questions. Don’t hesitate. Start the process today.

Ready to Process Credit Card Payments for High-Risk Merchants

At eDataPay.com, we believe every business deserves a chance to thrive. That’s why we help domestic and offshore high-risk merchants process credit cards.

We provide credit card processing to all businesses, including these industries:

We like to give all businesses a chance, even those with less than perfect credit or past bankruptcies. Additionally, we work with startups with little or no credit history, companies that were hit with chargebacks and returns, and merchants that had accounts terminated by banks.

As long as we can match the business MCC code with our bank Pre Approved list it will work

All client information is kept secure and confidential and we streamline the application process, making it simple and easy. Our high-risk merchant account provider can get credit card transactions processed online in no time. Fill out an application today.

A Top-Choice High-Risk Merchant Account Provider

eDataPay.com specializes in payment processing solutions for businesses that require high-risk merchant accounts to process credit card payments.

Banks classify businesses in certain industries, as well as many online businesses, as high-risk merchants for a variety of reasons, including large numbers of chargebacks. Chargebacks are the fees credit card providers demand businesses pay to cover the losses from disputed or fraudulent transactions.

Reasons Merchants are Labeled High-Risk

A bank’s underwriting guidelines determine whether a merchant is a high risk. Therefore, each financial institution or processor calculates risk differently. Basically, chargebacks and fraud determine risk. The more likely a business is expected to have a large volume of chargebacks, the greater the risk.

For instance, travel sites are classified as high risk because they are more vulnerable to cancellations due to outside factors, such as weather. Adult entertainment is another industry that accrues numerous chargebacks. It is not unusual for customers to use adult entertainment sites and then, ask for a refund, claiming they never visited the sites. Many other types of businesses, such as gambling, nutraceutical, online dating, and credit repair sites, also are considered high risk due to the likelihood of more than typical numbers of chargebacks.

Though one factor alone likely will not determine whether a business requires a high-risk merchant account, these factors influence the decision:

Though most merchants only become high-risk accounts after they have racked up excessive chargebacks, some find advantages to these accounts. Increased sales volume allowances, multi-currency options, and recurring billing are benefits to using high-risk payment processing.

High-Risk Versus Low-Risk Merchants

Chargeback thresholds are what sets high-risk and low-risk merchants apart. Every processor has a chargeback monitoring program. When a low-risk merchant enters a program, it is given time to fix any problems before they are subjected to excessive fees.

High-risk merchants are considered fee-eligible immediately. Excessive fees are charged each month a high-risk merchant is in a chargeback monitoring program. Typically, chargeback fee rates are greater for high-risk merchants than others.

What Happens When a Business is Classified as High Risk

When a business gets labeled high risk, merchants still can accept credit payments. However, these businesses are subjected to higher processing rates. Additionally, banks can request a reserve on a business’ credit card processing.

Sometimes, high-risks merchants can get banks to reclassify a business. However, it is not easy considering the many factors that led to the classification. A positive credit card processing history of at least six months or a small number of chargebacks and refunds can trigger a reclassification. Banks expect a chargeback rate of less than 1% of a business’ total transactions.