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High risk is our specialty

Your business deserves better than signing up with the first processor that will approve you. We specialize in high-risk merchant accounts and use our experience and diverse portfolio of banking relationships to place you with the best, long-term solution. 

Unique Solutions For Your Unique Business

For most traditional retailers, getting a merchant account can be as simple as calling the first processor you find. For non-traditional businesses selling riskier products or offering what banks consider “illegitimate” or taboo services, a high risk merchant account is much harder to come by.
At SMB Global, we’re not like the other guys. We take special care to understand and accommodate the unique needs of the high risk merchants and industries that we work with. We strive to be the single source of information for business owners to help them get approved for a high risk merchant account, maintain their account, and start growing their business.
What makes your business high risk?
It can be very confusing for business owners when they are told that their business is “risky”. Often times a merchant is selling legal, legitimate products or services yet banks and credit card processors tell them they need a high risk merchant account.

Some of the reasons a business might be labeled high risk include:
✔ Bad credit
✔ Excessive chargebacks
✔ Highly regulated industry or products
✔ High or irregular transaction amounts
✔ Delayed/variable drop-shipping times
What information does underwriting need?
When an underwriter reviews your application, they are primarily focused on two things – that a large number chargebacks won’t go unpaid and whether or not they are exposing themselves to regulatory fines by the government, card brands, or sponsor bank for accepting your business.

You increase your approval odds by assuring the underwriter that you have cash in the bank, a stable, legitimate business model, and clarity about what you are selling. You also need to ensure your website has a secure (SSL) , as well as transparent, prominently-displayed terms and conditions for products, services, and shipping process.
How much volume can you get approved for?
One of the greatest frustrations business owners face with their high risk merchant account is how much processing volume they are allotted. Just because you process $100,000 each month in credit card volume doesn’t always mean the underwriter will approve that amount.

Time is the ultimate remedy to getting your processing volume increased. Typically, 3 to 6 months of successful processing with low chargeback ratios, steadily increasing volume, and consistent transaction sizes will allow you to be re-reviewed for an increase in your monthly limit.
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See What Our Customers Say

"I have been very pleased working with SMB Global. They have been very responsive and helpful, which is hard to find in this industry. I really feel that they are working for us and would strongly recommend them to anyone looking for merchant services."

TOM FIELDSON Owner

It is a paradisematic country, in which roasted parts of sentences fly into your mouth. Even the all-powerful Pointing has no control about

MEGHAN LARSON Co-Founder

"If I could give SMB Global a 10 star rating I would. Fast approvals, no reserves, no hassles and most importantly they gave us the unlimited processing we needed to grow. Without SMB Global our business would be half the size it is right now. I can’t say enough good things about these guys."

TACTICAL TRAPS Owner

"Extremely satisfied with the service. Jason goes through everything with you step by step and makes sure your site is ready for processing payments as fast as possible! I'm leaving a five-star review!"

SATYAM Owner

A High Risk Partner You Can Trust

INDUSTRY EXPERIENCE

Credit card processing is complicated, but we make it easy. We leverage our 20+ banking relationships and payments expertise to get your merchant account approve

QUICK APPLICATION

Our simple, painless application will help our high risk experts customize a solution for your business while saving you time and frustration

DEDICATED SUPPORT TEAM

The high risk world is tricky, but we’ve done our homework and learned all the ins-and-outs. We take the time to walk you through your options and make sure you get the perfect solution.

ACH & DEMAND DRAFT

Diversify Your High Risk Merchant Account

For businesses that offer subscription-based products and services or need to offer recurring payments to their customers, ACH offers a more seamless, secure solution than credit cards. Whether you’re looking for lower transaction fees, faster payment, or convenience for both you and your customers, our ACH platform offers simple but effective ways to put your payments on autopilot.
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CHARGEBACK PREVENTION SUITE

Keep Your Chargebacks Under Control

Excessive chargebacks can derail your processing before you even have a chance to get started. Our robust, chargeback prevention platform monitors your merchant account in real-time to help you battle chargebacks and win back more revenue.
Our automated, intelligent chargeback representment and CRM integration allows us to do the dirty work so you can focus on growing your business.
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Don’t Be On the Outside Looking In

While factors such as poor business or personal credit, excessive chargebacks, and irregular or large transaction amounts can make it difficult to find a payment solution, most businesses are classified as high risk due to their industry or products and services they offer.
Traditional processors and banks believe these business types have a high rate of failure and generally shy away from approving them for merchant accounts. At SMB, we take on the risk that other processors won’t.
sign up today

Don’t Be On the Outside Looking In

While factors such as poor business or personal credit, excessive chargebacks, and irregular or large transaction amounts can make it difficult to find a payment solution, most businesses are classified as high risk due to their industry or products and services they offer.
Traditional processors and banks believe these business types have a high rate of failure and generally shy away from approving them for merchant accounts. At SMB, we take on the risk that other processors won’t.
sign up today

Some of the High Risk Industries We Work With

  • Adult
  • Collections
  • Credit Repair
  • Auto Parts & Accessories
  • Diet & Weight Loss Programs
  • E-cigarettes/Vaping/Tobacco
  • Fantasy Sports
  • Financial Services
  • Electronics (online)
  • Extended Warranties
  • Furniture Sales (online)
  • Firearms, Ammo, & Accessories
  • Self Storage
  • Precious Metals, Coins
  • Vacation/Travel/Flights
  • Online Gaming & Casinos
  • Free Trials, Multi-level Marketing
  • Nutraceuticals/Herbal Supplements

PAYMENT GATEWAY SOLUTIONS

Seamless Integration Options

Maintaining a seamless checkout experience for your customers is not only important for business, but also for your security.  Our high risk payment gateway options provide 175+ Online Shopping Cart Integrations for pain-free connectivity with most online shopping cart providers.  For businesses looking for a more flexible gateway solution, our developer-friendly APIs give you full customization and control over accepting payments.

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Choose A Gateway That Fits Your Needs

Because high risk businesses come in all shapes and sizes, SMB offers 2 gateway solutions – NMI and Authorize.net. Some of the benefits include:
  • Network Merchants Inc. (NMI) – With their load balancing feature, manage multiple merchant accounts through one gateway and automatically route transactions to specific accounts.
  • Authorize.net – Authorize.net is the largest, most popular gateway in the industry.  In addition to their list of quality, user-friendly features, they offer numerous integration options for easy set-up.
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Ready to Do This?

See why more high risk merchants trust SMB Global.
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