High Risk Merchant Categories

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It’s hard to find quality credit card processors for high risk business types. Many large merchant account providers will refuse to process transactions for high risk businesses, which limits the options that are available to hard-to-place merchants. With so few processors to choose from, merchants can find themselves simply signing up with the first provider that will accept them instead of shopping around and looking for reputable, experienced processors that specialize in high risk merchant accounts. This leads to headaches down the road, as high risk merchants are especially vulnerable to chargebacks, fund holds, excessively high rates, or placement on the TMF/MATCH list.

Durango Merchant Services is a well-established high risk payment processor headquartered in Durango, Colorado. The company has been serving both U.S. and international merchants with an emphasis on difficult-to-place merchant types since 1999.


Poll Results

Adult Novelties/Lingerie/Content 2
Animals by Mail 2
Vacation Rentals 1
Sports Info (forecasting) 1
Live Animals (puppies/lizards etc) 1
Canadian Retail 1
Stun Guns 1
IPSPs, Large AVT (greater than 2500.00) 0
Investment Advice (Stock Trading Tips/Mentoring/Software etc) 0
Herbal Supplements 0
Micro loans (CC repayment) 0
Gift Certificate & Stored Value 0
Multi-Currency 0
Nutraceuticals 0
Offshore 0
Penny Auctions (no startups) 0
Warranty Services 0
Travel Services 0
TMF Merchants 0
Timeshare Advertising 0
Tax Resolution 0
Bankruptcy (required time since discharge) 0
Psychics/Fortune Tellers 0
Prepaid Phone Cards 0
Precious Metals 0
Furniture/Home Improvements 0
Future Fulfillment 0
Credit Repair 0
Collection Agencies 0
CNP Tobacco 0
Cigars (eCom) 0
Canadian E commerce 0
B2G (high average tickets from military contractors, $5K etc) 0
Bail Bonds – MOTO 0
Auctions 0
Alcohol/Wine/Liquor Online 0
Daily e-Coupons 0
Dating Websites & Matchmaking Services 0
Direct Marketing(Trial/Continuity) 0
FFL Dealers 0
Fantasy Sports 0
501(c)3s 0
Extended Warranty & Protection Services 0
eCigarettes & Accessories 0
eBay Merchants (no website) 0
Ebooks/Digital/Software Downloads 0
Discount buying clubs/prepaid 0
Discount Medical/Insurance Memberships 0
Age Verification 0

El Tomboto, Friday, 9 December 2016 02:54 (seven years ago) link

how dare they put 501(c)3's on the same list as Animals by Mail!!

sarahell, Friday, 9 December 2016 03:14 (seven years ago) link

I didn't realize Canadians were so risky

El Tomboto, Friday, 9 December 2016 03:29 (seven years ago) link

Eh, it's just currency exchange risk.

a little too mature to be cute (Aimless), Friday, 9 December 2016 03:47 (seven years ago) link

dollars to doughnuts

El Tomboto, Friday, 9 December 2016 03:48 (seven years ago) link

Tim Horton's doughnuts, obviously

a little too mature to be cute (Aimless), Friday, 9 December 2016 03:51 (seven years ago) link

I'm trying to figure out if there's anything else in common with all these businesses besides that they probably have a relatively high rate of chargebacks and disputed transactions (e.g. drunk and/or crazy people, stolen/skimmed cards)

El Tomboto, Friday, 9 December 2016 14:24 (seven years ago) link

Automatic thread bump. This poll is closing tomorrow.

System, Thursday, 22 December 2016 00:01 (seven years ago) link

Get excited

a Warren Beatty film about Earth (El Tomboto), Thursday, 22 December 2016 00:11 (seven years ago) link

Automatic thread bump. This poll's results are now in.

System, Friday, 23 December 2016 00:01 (seven years ago) link


not a single vote for psychics, precious metals, booze, or "offshore" - this is the last time I post a poll on ITR

a Warren Beatty film about Earth (El Tomboto), Friday, 23 December 2016 01:58 (seven years ago) link

offshore is p good i voted animals by mail

lag∞n, Friday, 23 December 2016 02:24 (seven years ago) link

how did I miss this poll

¶ (DJP), Thursday, 5 January 2017 19:32 (seven years ago) link


The OL (Old Lunch), Thursday, 5 January 2017 19:38 (seven years ago) link

three months pass...

Keeping an eye out for Canadian E-Commerce.

The Jams Manager (1992, Brickster) (El Tomboto), Sunday, 9 April 2017 19:15 (seven years ago) link

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