High Risk Merchant Accounts

At UniBul, we have made some additions to the already long list of acquiring banks we work with, which has allowed us to provide payment processing services to very high-risk types of merchants which, in some cases, we previously weren’t able to work with, or at least not on terms as favorable as we can offer now. We even have solutions for merchants, which have been placed on the Terminated Merchant File (TMF), also known as the MATCH list. We can work with U.S.-based, as well as with international businesses.

And, by the way, by “high-risk”, we mean just that — take a look at the table below for a sample of the industries we support (if you don’t find your industry listed there, don’t despair, but just send us a note, we probably have a solution for you):

How We Do It

If you have been having difficulties in finding a merchant account or have been able to set one up, but are not quite satisfied with the terms you have got, we have a solution for you. Here is how our high-risk merchant account process works:

1. To get it all started, we will send you our application form and request the following paperwork:
   • Your processing statements with your current or latest processor for the latest six months, if available.
   • A recent utility bill for the business owner.
   • Business bank account statements for the latest three months.
   • Corporation documents for your business in the jurisdiction where it was set up.
   • A copy of the business owner’s driver’s license or passport (the page that shows his or her name, address and picture).
2. Once we receive the above paperwork, we will select the acquiring bank that is the best fit for your business and make you a specific proposal, based on the information you have provided. Our primary criteria when selecting an acquirer for your business are that they:
   • Have solid experience processing for high-risk businesses.
   • Are reliable and trustworthy.
   • Have excellent reputation in the payment card industry.
   • Are discrete and honest in their dealings with their clients.
3. Once you’ve accepted our proposal and signed the processing agreement, you will email it back to us and this is when our relationship begins.
4. We will then initiate the set-up process and, within a day or two (it can sometimes take a bit longer, as we deal with banks and service providers across the globe), we will send you detailed instructions to guide you through it. If you need any technical help from us or our acquiring bank, we will assist you.
5. Once you have linked your website to our acquirer’s payment processing system, you will be ready to start accepting credit and debit cards.

What we propose to businesses with existing high risk merchant account arrangements is that you let us show you what we can do for you. We will build a payment processing solution for your organization that is very likely to be better than the one you currently have. And if it isn’t, well, you are under no obligation to accept it.

Furthermore, if you can’t easily make a decision just based on what you see in our processing agreement or in anything else we may have put on paper or stated in other communications with you, you can test our service for a month or two. We are confident that you will enjoy doing business with us, but on the off chance that you won’t, you can simply cancel our agreement and keep on processing payments with your previous processor. After all, there is no need to immediately cancel your existing high risk merchant account. The point is that we want your business and will do our best to win it, but will not impose any restrictions on you. So contact us now and get started!

The articles listed below offer more details on the various aspects of the high risk merchant account services.

• ACH Processing for Payday Lenders.
• Credit Card Processing for High Risk Merchants.
• Finding the Right High Risk Merchant Account.
• Getting a High Risk Merchant Account for a New Business.
• Getting a Merchant Account for a Tech Support Business.
• Getting Your First High Risk Merchant Account.
• High Risk Check Processing.
• High Risk Merchant Accounts and Traditional Processors.
• High Risk Merchant Accounts for International Businesses.
• High Risk Merchant Accounts for U.S. Businesses.
• How not to Apply for a High Risk Merchant Account.
• How Small High Risk Businesses Can Get a Merchant Account.
• How to Get a High Risk Merchant Account.
• Is an Offshore Merchant Account Your Best Option?
• Keeping Your High Risk Merchant Account Alive.
• Offshore vs. Domestic Merchant Account.
• Setting Your High Risk Merchant Account up for Success.
• Should You Get a Second High Risk Merchant Account?
• What not to Do When Looking for a High Risk Merchant Account.
• What to Do When You Are Placed on the TMF.
• What to Do When Your Merchant Account Is Terminated.
• Why Is Getting a High Risk Merchant Account so Hard?

What Our Customers Are Saying

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