Discover the Top 7 High-Risk Payment Gateways for Your Business

Discover The Top 7 High-Risk Payment Gateways For Your Business

In the realm of online commerce, having a reliable payment service provider or payment gateway is essential for processing online payments. However, the quest for the right one can be a challenging endeavor, especially for high-risk merchants or businesses operating in high-risk industries. This blog is your guide to the seven most dependable payment gateways that not only ensure security but also possess a higher tolerance for risk compared to standard payment service providers.

In addition to the gateway recommendations, you’ll find insights into the types of businesses and industries that are considered high-risk, along with valuable guidance on selecting the ideal payment gateway for your specific needs. So, let’s dive in.

Types of High-Risk Merchants or Industries:


Reason: Telemarketing primarily involves card-not-present transactions, making it susceptible to customer disputes, fraud, and frequent chargebacks.

Tech Support Companies

Reason: Tech support businesses often experience high volumes of irregular sales and chargebacks.

Online Gaming

Reason: Online gaming is associated with issues like underage players, identity forgery, drug trafficking, and cyberbullying.

Adult-Oriented Businesses

Reason: Adult entertainment businesses deal with controversial content, and card-not-present transactions can lead to fraud.

Travel Booking Businesses

Reason: High cancellation rates and limited refund policies result in customer chargebacks.

Online Gambling

Reason: High transaction volumes, legal ambiguities, card-not-present transactions, and friendly fraud chargebacks.

Nutraceutical Businesses

Reason: Lack of clear regulations, false ingredient claims, and legal repercussions contribute to high risk.

Online Prediction Markets

Reason: Get-rich-quick schemes often lead to friendly fraud chargebacks.

Any Subscription Business

Reason: Unpredictable revenue, numerous cancellations, and chargebacks characterize subscription models.

Multilevel Marketing

Reason: Perceived as pyramid schemes, these businesses differ from standard retail operations.


Reason: The unregulated nature of cryptocurrencies, along with fraud and identity theft concerns.

Offshore Businesses

Reason: Variable pricing and potential for customers to overpay in distress.

What You Need for a High-Risk Payment Gateway:

To secure a high-risk payment gateway for your business, you must first apply for a high-risk merchant account. Other requirements include high-risk encryption, SSL certificates, 3D verification systems, and high-risk customer authentication. With these components in place, obtaining a high-risk payment gateway should proceed smoothly.

Choosing the Best High-Risk Payment Gateway Provider:

Here are some crucial factors to consider when selecting the ideal high-risk payment gateway provider:

Evaluate Your Business Type

Begin by assessing your business type, industry, and monthly payment processing volume to ensure compatibility with the selected payment gateway.

Locations of Operation

Identify the countries in which your business operates, as some high-risk gateways may not support global transactions.

Fees and Charges

Understand the fee structure, including transaction fees, processing fees, interchange fees, chargeback fees, and long-term contract fees, associated with the payment gateway.

Customer Support

Prioritize providers with robust customer support, as dealing with fraud and chargebacks is common in high-risk environments.

Now, let’s explore the seven high-risk payment gateways with an elevated risk tolerance:


Transaction Fee: 1.99% for international transactions and 0.60% for local ones.

Industries Supported: Vaping, eCommerce, subscription-based businesses, and more.

Chargeback and Fraud Prevention: Zero chargeback liability and fraud monitoring.


Transaction Fee: Starts at 1% + interchange fee.

Industries Supported: Adult, dating, travel, vape, e-cigarette, nutraceuticals, and more.

Chargeback and Fraud Prevention: Collaboration with iSpyFraud for fraud prevention.


Transaction Fee: Starts at 3.5%.

Industries Supported: Betting, gambling, travel, crypto merchants, and more.

Chargeback and Fraud Prevention: Equipped with a fraud monitoring and alert system.

RISK Payments

Transaction Fee: Starts at 2.49%.

Industries Supported: Online pharmacy, travel, direct selling, nutrition supplements, and more.

Chargeback and Fraud Prevention: Automated anti-fraud protocols.


Transaction Fee: Starts at 2.49%.

Industries Supported: Online pharmacy, travel, direct selling, nutrition supplements, and more.

Chargeback and Fraud Prevention: 3D secure processing and fraud prevention measures.

Transaction Fee: $25 monthly gateway fee, $0.10 per transaction, and $0.10 daily batch fee.

Industries Supported: Online retail shops, online smoke shops, cigars, and more.

Chargeback and Fraud Prevention: Equipped with a fraud detection suite.

Axcess Merchant Services

Transaction Fee: Pricing varies from 1-4.9% per transaction.

Industries Supported: Gaming, gambling, crypto trading, CBD, subscriptions, and more.

Chargeback and Fraud Prevention: Incorporates a fraud protection system with 60 risk settings.

Challenges with High-Risk Payment Gateways:

Integrating high-risk payment gateways can present challenges due to limited documentation compared to low-risk gateways such as PayPal or Stripe. Moreover, high-risk gateways may suspend or terminate merchant accounts when unusual payment volumes occur, potentially impacting your business. The solution to these issues lies in leveraging a platform like Web Technology Expert.

How Web Technology Expert Can Assist:

Web Technology Expert is a payment aggregator and integration platform that simplifies payment integration for businesses of all risk levels, whether high or low-risk. By providing your requirements and completing necessary paperwork, you can effortlessly integrate payment gateways using Web Technology Expert’s no-code integration via the dashboard. Web Technology Expert supports numerous local and global payment gateways, empowering your business to operate globally. In the event of a payment gateway change, you can easily transition to another through the Web Technology Expert dashboard, ensuring seamless payments and an exceptional customer experience.

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