High risk credit card processing is when the systems involved in processing the sale have a security risk. Most systems use a point-to-point encryption to make the transaction of the credit card secure, but each system could still be compromised, exposing any decrypted credit card data. That is where the risk comes into play and the merchant service providers assess the vulnerabilities involved. This is why you will need a high risk merchant account.

Stradafee.com works with several acquirers providing high risk international merchant accounts throughout the world. International merchant account set-up takes longer because of the strict due diligence process of having to, “know your customer.” Please note you will be funded into the bank of account of your local country. That means you are responsible for reporting your earnings and paying your taxes. International merchant accounts have higher transaction costs and reserves, but allow more business types and unlimited sales volume.

Stradafee.com works with multiple domestic acquirers and credit card processors who can provide high risk merchant accounts with domestic banks. Set-up domestically is usually quicker than internationally and generally less expensive in terms of high risk processing costs and reserves. Domestic high risk merchant accounts tend to be more restrictive of sales volume and business types. Stradafee.com's acquirers will not underwrite merchants on the TMF / MATCH list.

Many Online businesses fall into the high risk category, or cannot be approved at a standard processing bank due to poor credit, large volume requirements, fast business growth, or because of the type of products they are selling.

Travel business, online dating sites, online stores with fast growth due to high volume of marketing, typically will fall into the high risk category with their domestic bank and will have to search for an offshore merchant account to process their high volumes of sales. You would be surprised to know that some of the largest, most respected businesses in the world use offshore processors due to their growth and product types.

We have helped many eCommerce businesses gain an online merchant account and we are confident that we can meet your businesses needs. Our services are able to integrate with many shopping cart systems to allow smooth and flawless online transaction processing. You will also have virtual terminal access allowing you to manually key in transactions as needed.

• High Risk Merchant Types: eCommerce, MLM, Travel, Online Dating, High Volume, Digital Media, Online Gaming (not gambling), Software, Furniture, Trading, Education, etc
• Domestic Merchant Account: High risk merchant accounts to qualified merchants.
• Online View: Access your merchant account activity in real time online 24 / 7
• High Approval Rates: Even if you don't have perfect credit, you can accept credit cards. Over 90% of all, “legal” merchants are approved.

Yes, owning a high-risk business doesn't mean you won't be able to open a merchant account. It does mean, however, that it may be more challenging to set one up. We simply will consider how long you've been in business, your credit history and any previous merchant accounts you've held with other credit card processors. Your length of time in business matters because we want an assurance that you understand the business environment in which you operate, can identify the potential risks you face, know how to prevent or reduce fraud, and understand how to manage credit card acceptance. Regardless of risk, this kind of knowledge comes only with first-hand business experience.