HIGH-RISK PAYMENTS
High-Risk Merchant Accounts & Payment Gateways
Finding the right payment provider shouldn't stop your business trading.
Specialist payment solutions for businesses that don't always fit standard provider criteria.
VAPE
ONLINE PHARMACY
NUTRACEUTICALS
FIREWORKS
HIGH-VALUE ECOMMERCE
REAL PEOPLE ⊕ SPECIALIST KNOWLEDGE ⊕ PRACTICAL SOLUTIONS
Is Your Business Considered High Risk?
Being classified as a higher-risk business doesn't necessarily mean there is anything wrong with your company.
Payment providers and acquiring banks assess businesses according to a range of factors, which can include the products or services being sold, transaction values, chargeback exposure, sales channels and the regulatory requirements associated with a particular industry.
This can make obtaining a suitable merchant account or payment gateway more difficult, particularly when dealing with providers built around standardised or heavily automated approval processes.
That's where BluePay can help.
High Risk ≠ Bad Business
We work with businesses to understand their requirements and identify payment options suited to their circumstances.
Your Brand = Your Checkout.
Your payment process can be integrated directly into your website and tailored to match your branding, creating a seamless checkout experience that feels like a natural part of your business.
No clunky hand-offs. Just a smooth, professional payment experience for your customers.
Payment Solutions for Challenging Industries
Some sectors regularly encounter more difficulties than others when applying for merchant services or online payment facilities.
BluePay has experience helping businesses operating in challenging industries, including:
Vape & E-cigarettes
Payment solutions for vape retailers and e-cigarette businesses
online pharmacy
Specialist payment solutions for online pharmacies and pharmaceutical businesses
nutraceuticals
We understand the challenges faced by supplement and nutraceutical businesses
fireworks
Seasonal or year-round we cna help you find the right payment solution
High-value ecommerce
Secure payment solutions for high-value goods and ecommerce businesses
High Risk Merchant Accounts
Been refused before? There still maybe options
Not every provider supports every type of business. If you've been declined, or are worried about your current arrangement, speak to us.
High Risk Payment Gateways
Take secure payments online
From online payment gateways to full integration on your website, we'll help you find the right solution for your business.
Works with your website
We integrate with leading platforms
and work with your existing setup
Selling Vape Products Through Shopify?
Concerned about the future of your payment setup?
Payment and platform restrictions can and are changing, and businesses selling age-restricted or higher-risk products need to know they have options if their current setup no longer supports them.
BluePay has partnered with web specialists Dash Media to provide a route for businesses that need to move their ecommerce operation from Shopify to WooCommerce.
Some payment problems need a person not an algorithm
At BluePay, personal service remains an important part of what we do.
Payment technology is becoming increasingly automated.
Your business isn't.
Call 0118 338 4540
Talk to a person
"Fireworks are about as high-risk as online retail gets. We're seasonal, order values are high, and the card schemes treat the whole category with suspicion. When we moved to Shopify all we wanted was what every other shop has, Apple Pay and Google Pay at checkout, and it turned out to be one of the hardest things we've ever tried to buy. Big-name providers quoted us clever checkout systems that were 'days away' and never turned up.
Nick sorted it. Not with a magic system, with graft and knowledge. He understands card payments inside out, high-risk categories included, and he can explain in plain English what's actually going on and what he's doing about it. A high-risk business throws up constant curveballs, fraud attempts, chargebacks, the odd awkward card scheme, and in three years there hasn't been one he couldn't handle. I've emailed him on a Sunday afternoon and had an answer that afternoon. Honestly, I can't praise him enough. Anyone can quote you a rate. Nick picks up, knows the answer, and gets it done."
FAQs
What is a high-risk merchant account?
A high-risk merchant account is a merchant facility for a business that an acquiring bank or payment provider assesses as presenting a higher level of risk. This may relate to the industry, products sold, transaction profile, chargeback exposure or other underwriting considerations.
What is a high-risk payment gateway?
A payment gateway is the technology used to securely transmit payment information during an online transaction. Businesses considered higher risk may need to use a gateway and merchant arrangement that supports their particular sector and trading model.
Why has my business been classified as high risk?
There isn't one universal definition. Different providers have different acceptance and underwriting criteria. Your industry, products, transaction values, chargebacks, online business model and other factors can all influence the assessment.
Can vape businesses get merchant accounts and payment gateways?
Potentially, yes. Vape businesses can face additional restrictions, so the available options depend on the individual business and the underwriting criteria of the relevant provider. BluePay can discuss your circumstances and explore suitable options.
Can BluePay help online pharmacies?
BluePay works with businesses in challenging industries including online pharmacy. Any payment solution will be subject to the appropriate underwriting, regulatory and provider requirements.
What if my existing payment provider stops supporting my business?
Speak to us as early as possible. The available options will depend on your business and existing setup, but reviewing alternative arrangements before your existing service ends can help reduce the risk of disruption.
Do I have to change my website to change payment provider?
Not necessarily. In many cases an alternative payment solution can be integrated with an existing ecommerce website. If your existing platform itself creates a restriction, BluePay can also discuss alternative routes.
How quickly can I get a high-risk merchant account?
Timescales vary because higher-risk applications can require additional underwriting and documentation. We'll explain what's required and help you understand the process rather than promising an unrealistic instant approval.
Having trouble finding the right payment provider?
Let's chat.
No chatbot. No obligation.
Just a conversation with someone who understands online payments
Call 0118 338 4540
Talk to a person