Why You Need A High Risk Merchant Account

Merchant Solutions Made Easy.

Accept payments in as little as 1-2 business days.
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  • High Approval Rates

  • Multi-Currency Solutions

  • High Risk Solutions

  • Free Application

  • Reliable Payout Schedule

  • Secure Payment Gateway

Acceptable Online Business Categories

JJS Global works with online business owners in the following e-commerce industries:

  • Adult
  • Adult Toys
  • Adult Videos
  • Airline Tickets
  • Antique Collectibles
  • Apparel
  • Astrology
  • Binary Options
  • Bitcoins
  • Car Services
  • Cigars
  • Cosmetic Jewelry
  • Credit Repair
  • Collection Agencies
  • Computer Hardware
  • Continuity
  • Dating Websites
  • Debt Consolidation
  • Direct Response
  • Downloadable Software
  • E-Cigarettes
  • Educational Software
  • Electronics
  • Escort Services
  • Extended Warranties
  • Fantasy Sports
  • Financial Services
  • Fine Jewelry
  • Forex Trading
  • Greeting Cards
  • Hospitality
  • Insurance Brokers
  • Internet Gambling
  • Law Firms
  • Loan Services
  • Magazine Subscriptions
  • Matrimonial Services
  • Medical Collections
  • Medical Marijuana
  • Membership Sites
  • Mobile Apps
  • Multilevel Marketing
  • Multimedia Streaming
  • Nutraceuticals
  • Online Auto Parts
  • Online Casinos
  • Online Poker
  • Online Gaming
  • Online Retail
  • PPI Claims
  • Penny Auction
  • Personal Injury
  • Pet Supply
  • Pharmaceuticals
  • Phone Sex
  • Satellite TV Repair
  • Scholarship Programs
  • Social Gaming
  • Stock Trading
  • Strip Clubs
  • Tax Services
  • Tech Support
  • Telemarketing
  • Ticket Agencies
  • Timeshares
  • Travel Agencies
  • Website Design
  • Weight Loss

JJS Global has been building its network of domestic, offshore, and international acquiring banks. From low risk to high risk and everything in between, we can offer merchant accounts to online businesses in most e-commerce industries.
Call us at 224.535.9462

Credit Card Processing Services for E-Commerce Industries

Take a look at the list above to see if your e-commerce industry is accepted by JJS Global. If you don't see your industry, or aren't sure which industry your business is in, do not worry! JJS Global works with most e-commerce merchants since many of our merchant accounts are customized on a case-to-case basis. The best way to see if you qualify for JJS Global's merchant services is to contact a representative at 1.224.535.9462 or fill the Contact Form to get started.

Get Up and Running in No Time

Once you are approved for an e-commerce merchant account, you may be able to start accepting payments in as little as 1-2 business days. Our in-house merchant account managers work with your new acquiring bank to set up the particulars while our tech team integrates your website with the JJS Global payment gateway.

Check Back for More E-Commerce Industries

As JJS Global forges new partnerships with acquiring banks all over the world, new acceptable e-commerce industries will be added to our list. Keep checking back for added industries, and contact us today if you're in need of a fast credit card processing solution!

Why You Need A High Risk Merchant Account

 <a target= high risk merchant account" />Have you been finding it difficult to get a merchant account from many merchant banks? You may need a high risk merchant account because your business may be seen as a high risk business. Here are some of the situations that will put you in dire need of a high risk merchant account

Absence of cardholder during purchase

This is peculiar to people who run e-commerce businesses. In this kind of situation, there is no way for customers to sign for their orders. So, those orders can be repudiated. This makes your business highly vulnerable to chargebacks which makes your business risky.

So, in this kind of situation, you need a high risk merchant account since it will be a little difficult for merchant banks to offer you a merchant account.

Lack of processing history

If you are new in a business and do not have a processing history, offering you a merchant account is a big risk. Before giving you an account, banks usually check your processing records. So, if you do not have any records, your application for a merchant account will be turned down.

This is one of the challenges new entrepreneurs face. It is rather unfortunate. You have no other choice but to accept a high risk account.

If you conduct a high risk business

There are some businesses that have been categorized as high risk businesses. If you are running any of them, it will be difficult for any bank to approve a merchant account for you. In case you don’t know the kind of businesses that fall into these categories, adult entertainment, online pharmacies, and online gambling businesses are some of the businesses that are seen as a high risk business because they have a high chargeback rate.

If you have a history of excessive chargebacks

Remember that it has been mentioned earlier that banks will need your processing records. What they really want to confirm is that you do not have a high chargeback rate. Once they see that you have excessive chargebacks, you application for a merchant account will be denied.

In this situation, the term “excessive” may be ambiguous. So, to narrow it down, most banks in the United States accept a chargeback rate that is under 1 percent. When your chargeback rate is above 1 percent, approving your merchant account may be difficult.

Poor credit

One major factor that projects your business as a high risk business is when the business has low or poor credit score. It is a dangerous pointer for banks. Apart from the credit score of your business, they also check your personal credit score too.

In many banks, your personal credit score will only be considered if your business credit score is fine. If your business has poor credit, they won’t even ask for your personal credit score before turning down your request.

Conclusively, once your business fits any description above, it is a high risk business and you need a high risk merchant account. There are no other options. The big drawback is that high risk accounts come with higher rates. On the brighter side, most companies that provide high risk accounts usually have structures in place to reduce the rate of chargebacks and to also protect their clients from card frauds.


JJS Global, Inc.
1546 Fleetwood Drive, Elgin, IL 60123

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JJS Global
A. 1546 Fleetwood Drive, Elgin, IL 60123
P. +1.224.535.9462
F. +1.224.535.9747
E: This email address is being protected from spambots. You need JavaScript enabled to view it.

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