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We provide merchant services payment systems for all businesses

We Provide Merchant Accounts for Hard-To-Place & High Risk Businesses

High Risk Merchant Accounts

Many businesses selling products or services need to be able to accept payments from customers through non-cash methods such as credit cards, ACH, and eCheck. A merchant account is necessary for these types of methods.

Unfortunately, some banks and credit card processors consider certain businesses and industries to be “high risk”, and are unwilling to provide them with merchant services.

Fortunately, KAJA Payments has consistently offered high risk merchant account services to businesses across many industries since our company founding. We value the services and products sold by all types of companies, and can offer merchant accounts without the terminations or payout freezes that have can affect high risk merchants with companies like PayPal, Square, Stripe or Intuit Quickbooks.

Frequently Asked Questions

Why do banks or credit card processors consider my business to be “high risk”?

“High Risk” is an industry term, and it’s important to note that there are many fantastic businesses which would be given this designation by a bank or credit card processor. While there are unique factors that go into how the industry views any business, in general there are three big factors for the “high risk” designation:

  1. The business may have greater chargeback risks due to the nature of processing or industry. Typically any business with a chargeback ratio of over 1% enters a “high risk” category.
  2. The business may operate in unique, new, or legally regulated industries which fewer processing banks want to underwrite. Uncertainty creates risk for banks, and so if the industry is very new, or has developing regulation, this designation will typically apply.
  3. The business may accept a high percentage of transactions over the phone or via mail which is considered higher risk than in person transactions. If the card and cardholder are not present with the merchant at the time of the transaction, the risk of fraud is greater. As such, this can cause businesses primarily accepting payments this way to be considered in a higher risk category.

Do you provide merchant services for non-USA clients?

Sorry, we are unable to provide merchant services for foreign or offshore businesses, or any company that is headquartered, or operates, outside of the USA. We are also unable to provide merchant services for any business whose owner does not have a valid SSN and US issued identification (driver’s license, US passport, etc).

Can my startup / brand new business be approved?

Yes, your startup or new business can be approved by KAJA Payments for a merchant account. We love startups! While newer businesses without processing history sometimes encounter insurmountable hurdles when it comes to approval, KAJA Payments has helped many brand new businesses get their start in payment processing.