High Risk Business Types


Here’s a list of some “high risk” business types that might require a high risk merchant account. It is by no means representative of ALL industries, but it definitely covers a large number of them.



    •    1-800 type chat sites
    •    Airlines
    •    Airplane charters
    •    ALL sexual oriented or pornographic merchants: (i.e. companion or escort services, adult telephone conversations, adult book stores, dating services, online adult membership or matchmaker services, adult paraphernalia or toys.)
    •    Amazon, Yahoo or Google Stores
    •    Annual contracts
    •    Antiques
    •    Auctions
    •    Automotive brokers
    •    Bankruptcy attorneys
    •    Brokering
    •    “Business opportunities”
    •    Calling cards
    •    Casino, gambling or gaming
    •    Check cashing services
    •    Cigarette or electronic-cigarette sales or nicotine cartridges
    •    Coins, collectible currency or autographed collectibles
    •    Collection agencies
    •    Coupons or rewards-points program
    •    Credit or debt repair
    •    Credit counseling
    •    Credit protection
    •    Debt collection
    •    Direct selling
    •    Discount health – medical care programs
    •    Debt consolidation
    •    Drug paraphernalia
    •    eBay Store
    •    E-Books (copywritten material)
    •    Electronics
    •    Event ticket brokers (unlicensed – non registered (i.e. Stub Hub )
    •    Exporting services (non US based)
    •    Fantasy sports websites
    •    Federal Firearms License (FFL) dealers
    •    Finance broker, financial consulting or loan modification services
    •    Indirect financial consulting (i.e. How to Save Money by Lowering...)
    •    Financial planning, strategy or advising
    •    “Get rich quick” – books, programs, etc…
    •    High average tickets
    •    “How-To” type websites (i.e. “Learn How-To Make Money on ...)
    •    Horoscopes, astrology or psychic services (i.e. fortune tellers)
    •    “Hype” products or services
    •    Hypnotists or self-hypnosis
    •    International merchants (non US based)
    •    International shipping, cargo or import/export
    •    Investment firms
    •    Investment strategy
    •    Investment books
    •    Lawyer referral services
    •    Life coaching

Traditional merchant service providers often say they can provide processing services to just about any industry or merchant type. But the risk comes when they modify your application to try to get it through underwriting and approval, and shortly after getting your business up and going, receiving notification from the processor that your rate, terms of service, or even a request for a reserve has been placed to continue to do business.

    •    Lingerie sales
    •    Lotteries
    •    Magazine sales and subscriptions
    •    Mail order
    •    Membership organizations (over 12 months)
    •    Merchants on the terminated merchant file (TMF list)
    •    Modeling agencies
    •    Multi-currencies
    •    Multi-level marketing (MLM)
    •    Music, movie, software downloads or uploads
    •    Non US citizens
    •    Off-shore corp. establishment services
    •    Pawn shops
    •    Poor credit
    •    Prepaid debit cards
    •    In-bound or outbound telemarketing services
    •    Real estate
    •    Replica handbags, watches, wallets, sunglasses etc… (knock-offs)
    •    Self defense, pepper spray, mace, etc.
    •    Seo services
    •    Social networking sites – Facebook, Twitter, MySpace etc…
    •    Sports forecasting or odds making/betting
    •    Talent agencies
    •    Telecommunications
    •    Telephone companies
    •    Telephone order
    •    Third-party processing, factoring merchants
    •    Time-shares or time-shares advertising
    •    Tour operators
    •    Travel services
    •    Travel agencies
    •    Travel clubs
    •    Vacation planners
    •    Vacation rentals (unless property is owned by merchant)
    •    Vitamin and supplement sales – diet pills, prescription pills, health supplements, pharmacy
    •    Voip services
    •    Extended warranty companies
    •    Weapons of any kind – guns, knives, stun guns, or ammo. Includes any parts of weapons (i.e. butts, triggers, magazines, etc.)



If your business falls into one of these categories, call us today at 888-497-2211

Are Your Considered a High Risk Merchant? We Have the Right Program to Fit Your Needs....

At IC Plus Merchant Services, our professionally trained staff of agents, managers and acquirer representatives ensure that your high risk application is processed accurately from the start to avoid any "after the fact" changes in terms of service

Call now to find out how: 888-497-2211