Pricing

Pricing is determined by a merchant's underwriting criteria (previous processing history, financials, time in business, business type, credit, etc.). In most cases, High Risk Experts Sales Agents can provide an accurate estimate of the rates and terms available during the initial phone consultation. Upon approval, and prior to any commitment by the merchant, the acquiring bank will provide a rate sheet with all the rates, terms, reserve requirements, etc.

Most U.S. Acquired High Risk Merchant Accounts have the following rates and terms:  

  • Discount Rate: 2 - 3%
  • Transaction Fee: $0 - $0.35
  • Monthly Service: $0 - $35
  • Chargeback Fee: $10 - $15
  • Retrieval Request: $0 - $10
  • Reserve: 0 - 5%
  • Settlement: daily, 2 days in arrears
  • Wire Fee: $0
  • Incorporation Fee: $0 

Most Offshore Acquired International Merchant Accounts have the following rates and terms:  

  • Discount Rate: 2.5 - 4.5%
  • Transaction Fee: $0.30 - $0.40
  • Monthly Service: $0 - $35
  • Chargeback Fee: $15 - $25
  • Retrieval Request: $0 - $10
  • Reserve: 5 - 10%
  • Settlement: weekly, 5 days in arrears to twice a week, 5 days in arrears
  • Wire Fee: $15 - $25 
  • Incorporation Fee: $1500 - $1700

Rate Reviews

High Risk Experts provides Rate Reviews every 6 months. Depending on merchants sales volume and chargeback levels, it is possible to have rates and fees periodically reduced and modified. Sliding scale pricing is available.

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High Risk Experts Provides:

Lowest possible rates and fees

Professional support and service

Ongoing risk management services to avoid and reduce chargebacks and fraud

Direct merchant account with unique descriptor

Access to multiple acquiring banks

API interface payment gateways with virtual terminal, easy integration, and transaction testing

Access to fraud tools: AVS, CVV2, 3-D Secure, geo-IP match, negative databases

Fast settlement to your existing business bank account

Unlimited sales volume

Multi-currency options

Recurring billing

Load balancing tools