{"id":7718,"date":"2023-01-18T14:32:14","date_gmt":"2023-01-18T21:32:14","guid":{"rendered":"https:\/\/nationalprocessing.com\/?p=7718"},"modified":"2025-03-10T13:47:52","modified_gmt":"2025-03-10T20:47:52","slug":"what-is-a-high-risk-merchant-how-to-tell-if-a-payment-processor-will-see-your-business-as-high-risk-and-what-you-can-do-about-it","status":"publish","type":"post","link":"https:\/\/nationalprocessing.com\/blog\/what-is-a-high-risk-merchant-how-to-tell-if-a-payment-processor-will-see-your-business-as-high-risk-and-what-you-can-do-about-it\/","title":{"rendered":"What Is a High Risk Merchant? How to Tell If a Payment Processor Will See Your Business as High Risk and What You Can Do About It"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7718\" class=\"elementor elementor-7718\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65ac1212 e-flex e-con-boxed e-con e-parent\" data-id=\"65ac1212\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5383bf7c elementor-widget elementor-widget-text-editor\" data-id=\"5383bf7c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p>In the simplest terms, a high risk merchant is one that\u2019s more prone to chargebacks, fraud, or other issues that could put a payment processor at risk. The definition has little to do with whether or not you, as a merchant, have an actual history of fraud or other problems.\u00a0<\/p>\n<p>\u00a0<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Instead, payment processors automatically categorize certain merchants as high risk on the basis of things like what industry you\u2019re in, the types of payments you accept, and how long your business has been operating. Here\u2019s an overview of what payment processors consider high risk merchants and what your options are if you fit the criteria.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 id=\"h-what-is-a-high-risk-merchant\" class=\"wp-block-heading\">\u00a0<\/h2>\n<h2 id=\"h-what-is-a-high-risk-merchant\" class=\"wp-block-heading\">What Is a High Risk Merchant?<\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>There is no standard or universal definition of a high risk merchant. Each payment processor and bank have their own set of criteria that they use to decide how risky a particular merchant might be. With that in mind, there are certain industries and risk factors that are frequently found in many different service providers\u2019 definitions.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-industries-that-are-most-commonly-designated-as-high-risk\" class=\"wp-block-heading\">\u00a0<\/h3>\n<h3 id=\"h-industries-that-are-most-commonly-designated-as-high-risk\" class=\"wp-block-heading\">Industries That Are Most Commonly Designated as High Risk<\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Some of the\u00a0<a style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size ); font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align); background-color: #ffffff; display: inline !important;\" href=\"https:\/\/www.nerdwallet.com\/article\/small-business\/high-risk-merchant-account\" target=\"_blank\" rel=\"noopener\">industries that are widely considered high risk<\/a>\u00a0by payment processors include:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul><!-- wp:list-item --><\/ul>\n<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Web design<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Accounting or tax preparation<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Age-restricted products, including vape or e-cigarettes and firearms or tasers<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Adult entertainment<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Travel or vacation services<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Automotive parts or accessories<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Tech support<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Bail bonds<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Software, including software as a service<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Gambling and sports betting<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Cannabis and other highly regulated industries\u00a0<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Dropshipping<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Furniture\u00a0<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Electronics<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Financial services, including credit repair or debt consolidation<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Pawn shops<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Nutraceuticals and supplements<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Self-storage facilities<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Diet and weight loss programs<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li>Precious metals and coins<\/li>\n<\/ul>\n<div>\u00a0<\/div>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>This list is far from exhaustive and, as you can see, some industries that are completely legal can still be considered high risk. So, even if you don\u2019t think you\u2019re in a high risk industry, a payment processor might decide otherwise. This makes it extremely important to look up the exact criteria used by any processor you\u2019re considering opening an account with.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-other-factors-that-could-get-a-merchant-labeled-as-high-risk\" class=\"wp-block-heading\">\u00a0<\/h3>\n<h3 id=\"h-other-factors-that-could-get-a-merchant-labeled-as-high-risk\" class=\"wp-block-heading\">Other Factors That Could Get a Merchant Labeled as High Risk<\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Beyond industry, payment processors also deem certain behavior and characteristics of the business itself as high risk factors. That includes things like the following:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul><!-- wp:list-item --><\/ul>\n<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Taking subscription-style payments<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>International sales<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Long fulfillment time frames<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>High sales volumes<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>High average transaction sizes<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Bad credit or not enough credit history<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>New businesses<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Merchants with little or no previous business experience<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>A history of frequent chargebacks<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Taking a lot of card-not-present transactions (common among eCommerce businesses)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>A history of fraud or illegal activity\u00a0<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>\u00a0<\/p>\n<p>While some of these might seem obvious, others might seem surprising. Again, this is why it\u2019s so important to check a processor\u2019s criteria before applying.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>\u00a0<\/p>\n<p>This is especially important with third-party payment processors like Square, Stripe, or PayPal. While the signup process might seem quick and easy, these processors are notorious for\u00a0<a style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size ); font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align); background-color: #ffffff; display: inline !important;\" href=\"https:\/\/nationalprocessing.com\/blog\/is-your-merchant-account-holding-funds-heres-why-that-happens-and-what-you-can-do?\">locking or shutting down merchant accounts<\/a>\u00a0with little or no notice. That\u2019s because they do minimal due diligence during the application process and, instead, flag \u201chigh risk\u201d merchants after the fact based on your transactions.\u00a0<\/p>\n<p>\u00a0<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>While the quick sign-up process is tempting, the risk that your account will be locked or closed without notice can disrupt your business. So, if there\u2019s any chance you could get flagged as high risk, it\u2019s better to find a payment processor that specifically offers high risk merchant accounts.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 id=\"h-what-makes-a-high-risk-payment-processor-different\" class=\"wp-block-heading\">\u00a0<\/h2>\n<h2 id=\"h-what-makes-a-high-risk-payment-processor-different\" class=\"wp-block-heading\">What Makes a High Risk Payment Processor Different?<\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>While some payment processors simply refuse to work with high risk merchants, others will still offer payment services, albeit with a little more oversight, stricter requirements, and higher fees. These specialized high risk merchant accounts often come with one or more of the following:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul><!-- wp:list-item --><\/ul>\n<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>A lengthier application process with more extensive documentation required<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Higher processing fees<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Higher chargeback fees<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Cash reserve requirements, either in the form of an upfront deposit that\u2019s held in a reserve indefinitely or a rolling reserve where a percentage of each transaction is held for a predetermined length of time before being available for withdrawal<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Caps on monthly transaction volume<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Other business-specific requirements, like requiring the use of age verification methods if you sell age-restricted products<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>\u00a0<\/p>\n<p>However, stricter requirements aren\u2019t the only things that set a high risk merchant account apart. At National Processing, for example, the\u00a0<a style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size ); font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align); background-color: #ffffff; display: inline !important;\" href=\"https:\/\/nationalprocessing.com\/industries-high-risk\/\">high risk merchant account<\/a>\u00a0also comes with unique perks to help you manage risk and run your business smoothly. Some of those perks include:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul><!-- wp:list-item --><\/ul>\n<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><strong>Support in finding a bank<\/strong> willing to provide an account for you. National Processing works with multiple financial institutions, including some with more risk tolerance, so they can help you find the right fit.\u00a0<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><strong>Fraud tools, chargeback management integrations, and other cutting-edge tools<\/strong> to help you minimize the risk of fraud, chargebacks, and other issues.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><strong>No unpredictable merchant account holds<\/strong>. While the lengthier review process before approval might seem tedious at first, that extra due diligence saves you the stress of unpredictable fund holds down the road. National Processing gets to know your business well enough that they know the difference between ordinary and suspicious behavior. Even when a transaction does seem suspicious, they work with you to sort out the issue instead of automatically locking the account.\u00a0<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><strong>Customizable and flexible services<\/strong>. The specific risk factors that make your business high risk will determine exactly what kind of merchant account and services you need. For a new business with no credit or bad credit, for example, National Processing submits the application through banks that don\u2019t automatically deny applications on the basis of credit.\u00a0<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 id=\"h-how-to-get-approved-for-a-high-risk-merchant-account\" class=\"wp-block-heading\">\u00a0<\/h2>\n<h2 id=\"h-how-to-get-approved-for-a-high-risk-merchant-account\" class=\"wp-block-heading\">How to Get Approved for a High Risk Merchant Account<\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Being a high risk merchant can make it harder to get approved for a merchant account but it\u2019s not impossible. After you\u2019ve found a payment processor that offers high risk merchant accounts, you can increase your odds of approval by taking the following steps:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul><!-- wp:list-item --><\/ul>\n<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><strong>Address Potential High Risk Factors in Your Application<\/strong>. If you have high average transaction sizes, for example, explain this in your cover letter. Provide as much context and information as possible to help the processor understand any possible risk factors.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><strong>Highlight your strengths<\/strong>. If your business is new, detail any previous business experience you have or mention your more experienced business partner. If you\u2019re in a heavily regulated industry, describe your compliance process.\u00a0<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- wp:list-item --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><strong>Improve any risk factors you do have control over<\/strong>. You can\u2019t control whether a process sees your industry as high risk or how new your business is, but there are still steps you can take to address some risk factors. For example,\u00a0<a style=\"font-size: 18px; font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align); display: inline !important;\" href=\"https:\/\/nationalprocessing.com\/blog\/how-to-build-business-credit-with-ein-in-5-steps?\">build business credit<\/a>\u00a0to improve your credit score, implement a\u00a0<a style=\"font-size: 18px; font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align); display: inline !important;\" href=\"https:\/\/nationalprocessing.com\/blog\/tips-for-better-credit-card-fraud-merchant-protection?\">robust fraud protection process\u00a0<span style=\"background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\">that you can describe in your cover letter, and take steps to\u00a0<\/span><\/a><a style=\"font-size: 18px; font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align); display: inline !important;\" href=\"https:\/\/nationalprocessing.com\/blog\/7-ways-to-lower-the-number-of-customer-chargebacks-and-save-your-company-money?\">reduce the number of chargebacks<\/a>\u00a0<span style=\"background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\">you deal with.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>In the simplest terms, a high risk merchant is one that\u2019s more prone to chargebacks, fraud, or other issues that could put a payment processor at risk. The definition has little to do with whether or not you, as a merchant, have an actual history of fraud or other problems.\u00a0 \u00a0 Instead, payment processors automatically [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":8585,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[21,26],"tags":[],"class_list":["post-7718","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-other-business-topics","category-featured-articles"],"_links":{"self":[{"href":"https:\/\/nationalprocessing.com\/wp-json\/wp\/v2\/posts\/7718","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nationalprocessing.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nationalprocessing.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nationalprocessing.com\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/nationalprocessing.com\/wp-json\/wp\/v2\/comments?post=7718"}],"version-history":[{"count":0,"href":"https:\/\/nationalprocessing.com\/wp-json\/wp\/v2\/posts\/7718\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nationalprocessing.com\/wp-json\/wp\/v2\/media\/8585"}],"wp:attachment":[{"href":"https:\/\/nationalprocessing.com\/wp-json\/wp\/v2\/media?parent=7718"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nationalprocessing.com\/wp-json\/wp\/v2\/categories?post=7718"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nationalprocessing.com\/wp-json\/wp\/v2\/tags?post=7718"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}