In addition, fraud losses are said to have fallen from $18 billion to. The reason is that these companies get much more chargebacks than others. Browse short-form content that's perfect for a quick read. These industries often involve increased potential for chargebacks, fraud, or regulatory issues. If you’re a merchant who is constantly on the go or lacks a brick and mortar location, a mobile card reader allows you to accept credit cards anywhere. Every day brings new opportunities for merchants with a merchant account for online gaming. Merchant Accounts for gaming industries are what you need that makes you able to accept credit or debit card payments. There are two plans to choose from, one tailored to brick-and-mortar businesses and the other for ecommerce merchants. Business Consulting is one of the many types of businesses classified as high risk. Whether you are a seller online or have a smoke shop somewhere across the country, your profits have gone through the roof. While a fantasy merchant account is a necessity, many fantasy sports companies struggle to access payment processing. This account is offered by an acquirer, a bank that is ready to work with a high-risk. Laws differ between countries and states regarding what is legal in iGaming, but they are difficult to enforce due to the nature of the online environment. A high-risk merchant account is among the favorite targets of fraudsters for a data breach. The worldwide gambling industry is booming, with an estimated global gross yield of nearly $500 billion in 2019 – nearly ten percent of that amount flowed through online gambling sites. 2. The reason for this is that many of the transactions that come from gamers have a higher chance of being fraudulent. When the ratios remain high, processors have no choice but to terminate their high-risk merchant accounts. Learn More . Fantasy Sports is Considered a High-Risk Business While a fantasy merchant account is a necessity, many fantasy sports companies struggle to access payment processing. An online gaming merchant account is a customized merchant service that helps in online money collection. Whether you operate in industries like adult products, CBD, or online gaming, finding the best merchant account services that are reliable and secure is paramount to your success. Since gambling is considered to be a high-risk-high-reward industry, it pays for online gaming companies to get their merchant accounts approved and ready to. Or diversify accounts for backup and mitigation of processing risk. E-gaming companies operating an online casino need a merchant account in order to accept payments from their players. High Risk Solutions offers merchant accounts for social gaming. PayKings is leading the industry of payment processing, especially for high risk merchants. As e-gaming operations are considered high risk they are often rejected by banks and instead owners have to work with a high risk payment processor that is familiar with the gaming. Why Gaming Merchant Account Is High-Risk Business. There is no cost to apply for a gambling merchant account, however, the minimum processing volume to apply for a gaming merchant account via Fast Offshore is 100. It specializes in payment solutions for many types of high. In this comprehensive guide, we’ll delve deep into. When your business has been labeled a high-risk merchant account, you will almost always pay higher. Payments Processors consider gambling merchant accounts to be high risk for a few reasons, including age restrictions, diverse global laws, high-volume turnover, higher-than-typical chargebacks, money laundering and fraud. They are annoying to merchants, and most of the time their fees come without warning. See full list on forbes. Doubtful bank statement. 100% of all merchants recieve their merchant account. Online world due to the fact that they typically use recurring payment methods. Gaming Industry Merchant Services. Other factors that can lead being classified as “high risk”. The phrase high-risk is a scary prefix for most business owners seeking a merchant account. Merchants trading in online gaming requires an online gaming merchant account. Business Funding. Bank transfers are the safest online. Our payment solutions for face-to-face, online, and mobile. An online gaming merchant account is a business account used to process payments of the customers/players. com can help you get your business the proper credit card processing account. Also to give the most successful transaction results. US merchants will find a variety of credit card processing options to help their business with Instabill. You’ll get approval for a casino and gaming merchant account in just 24 hours. Extensive Banking Network. An online gambling account for merchants allows businesses to process digital payments online through a gambling payment gateway . In the last ten years, the gaming industry has grown a lot, and there are many ways to make money by selling popular games or other products. Online gambling/gaming merchant accounts are very similar to fantasy sports merchant accounts because risk and skill are involved in both. Many factors go into making e-Gaming a high-risk industry including chargeback disputes, complex legal issues, international clientele, risk of gambling addiction, and money laundering. This high-risk payment gateway integrates with your website swiftly. On top of that, they sport a credit score of only (718), while Baby Boomers average about $101,951 worth of debt and rock a credit score (782). What makes an Online Gaming Merchant Account? The online gambling industry has operated in legal limbo for years, though the grey area has become smaller. Thus,. Manage one-time and recurring billing so members can auto-pay on a set schedule. OFFICE HOURSThe E-cigarette has been shooting off the shelves. All they want is to avoid the risk. Step 1: A customer buys a product or service either online or in-store. The pros of a high-risk merchant account for Shopify. An online high risk merchant account will help you to accept alternative payment methods, such as prepaid debit cards, e-check for high risk businesses, ACH, and crypto payments, which are not accepted by standard merchant account prpcessors. It all started with small breaches in several major companies including; Choicepoint, LinkedIn, TJ Max, Twitter, and the Adobe Systems. We provide the advanced merchant solution to high-risk businesses like online gaming. Banks won’t onboard any business category that poses a high financial and reputational risk. With a full application package, gaming merchants can start processing payments in as soon as 24 hours. An online casino merchant account is a special type of account designed to cater to the payment processing needs of high-risk industries like online gambling and gaming. With the help of a payment app on your smartphone or tablet, credit card readers. And when the players win the reward, the gaming merchant sends the money to the players from this gaming merchant account only. X. Merchants can receive real-time alerts for all chargebacks lodged. Welcome to BKW Servicing +1-866-259-7475 1054 Saint Andrews Boulevard, Charleston, SC 29407 sales@bkwservicing. For more information, please contact us at 800. 5% - 5%. Also to give the most successful transaction results. Online Gaming Merchant Account to Drive You Through the Efficient Gaming Payment Transactions. Small businesses are on every city square in America. As soon as. For this, the best option for small businesses is to look for outside funding. An online gaming merchant account is a business account used to process payments of the customers/players. The online eGaming and eSports industry is classified as higher-risk, making some businesses ineligible for merchant accounts at some sponsoring banks. There are two plans to choose from, one tailored to brick-and-mortar businesses and the other for ecommerce merchants. An easy application process. Amald. Many traditional, conservative banks and credit card processors are frightened of doing business with this high risk account because of the potential for chargebacks and credit card fraud. To locate the best possible provider for your business, you must perform sufficient research and locate the best possible service for your needs. It is critical to have a merchant account for online gaming because of the high-risk nature of the business. Begin your search for a collection agency merchant account at your bank. In most card-present or CP chargebacks, issuing banks bear the responsibility to repay cardholders. Websites with Money Prizes: VISA. The merchant account for online gamers is a high-risk merchant account. Eliminate chargebacks, which means more money for you. Offshore payment processors typically provide these high-risk merchant accounts in a foreign country. com Home; About Us; Categories. net, give you access to information regarding your new account. In 2016, global e-retail sales accounted for 1. A Complete Online Payment Solution for Gamers” Online Gaming Merchant Account helps gaming merchants to receive online payments in a simpler and faster way. Most acquiring banks consider these as high-risk gaming businesses. Casinos have been around for many years, but the rise of the internet changed the game for gaming fans all over the world. Higher payment processing fees. Access 24/7 tech support for online gaming merchant accounts. Merchants trading in online gaming requires an online gaming merchant account. 4% for mid-risk transactions. started today! Our gateway will enable you to accept credit cards and local payment models in no time. High-risk. 9 trillion US dollars. But there are some surprising businesses that fall into the high-risk category. Obtaining an online gaming merchant account isn’t easy. As soon as you’re approved, EMB can set up chargeback management tools and a payment gateway. Contact our team for more information about our gaming merchant account application and get started accepting gaming credit cards. Intangible product. com (EMB). Travel Merchant Accounts. Take that information and compare the costs against what you can find online. Because an online gaming merchant account permits gaming merchants to accept online payments quickly. net offers high-risk merchants all the tools for high-risk payment processing. One essential service that top merchant services offer is credit card processing. 6% plus 10 cents, while the fee for a high-risk account might be 2. Merchant Account Services For The US. Our team of experts have a strong reputation of providing industry-specific support for low-risk industries: Apparel. Payment processing fees: 2% to 3. An online poker merchant account is a business account that supports poker merchants by allowing them smooth and flexible payment transactions. Gaming merchant account. Social gaming. A lot of standard merchant accounts have no contract. Although the gaming industry may be considered high risk, you can still find a great credit card processing solution. So, why is this the case? High-risk businesses are rarely served by ordinary merchant account providers. What Makes an Online Gaming Account High Risk? So, why is online gaming viewed by banks and other financial institutions as high risk? The two most common reasons that. Traditional banking solutions are often unwilling to take on the risks associated with these industries, which is why specialized merchant accounts are necessary. Animals and Pets Anime Art Cars and Motor Vehicles Crafts and DIY Culture, Race, and Ethnicity Ethics and Philosophy Fashion Food and Drink History Hobbies Law Learning and Education Military Movies Music Place Podcasts and Streamers Politics Programming Reading, Writing, and Literature Religion and Spirituality Science Tabletop Games. However, the sector’s influence extends far beyond dollars; it has shaped broader social, cultural, and business trends and established a path for companies to. Scan this QR code to download the app now. Quickly send money to winners. If you do not handle this issue on time, your gaming merchant account may even get rejected because acquirers also have to follow some rules. 38 billion between 2021 and 20226. Due to the high-risk nature of the sector, opening merchant accounts at conventional payment gateway solutions is frequently more challenging for online gambling solutions like casinos. Not so. By offering alternative payment options, casinos can cater to the diverse preferences of their players and provide a seamless deposit and withdrawal experience. E-Gaming Merchant Accounts. With billions of consumers now using the internet as the primary destination for shopping activities, you stand to gain a lot if you can successfully launch your business on the internet. Setup your Gateway Today! 1 2. co offers a full compliment of online payment solutions for high-risk businesses. 61 billion people worldwide purchased goods online in 2016. High chargeback ratios. You can begin the process by just applying online now. And it is a primary truth of the payment industry. But it is no longer enough for businesses to be internet savvy, they must also be. With a high-risk merchant account from a gaming merchant, you may process online payments without the need for a bank or an electronic wallet. e. With the industry exceeding the expected growth the. Adding secure bank transfers on your checkout page as an alternative payment method boosts profits by eliminating the risk of chargebacks. S. The players feel insecure for many reasons, but with the presence of well-equipped high-risk merchant accounts, it is simpler now to provide better safety to the players. A merchant account is a specialised banking arrangement that empowers businesses, including online gaming platforms, to accept payments from players. Online world due to the fact that they typically use recurring payment methods. According to a recent study, some 12. Documents needed to open an online gaming merchant account. Those are required for the growth of your online business. Consumer-targeted data breaches have been the norm in recent days. Payment processing fees: 2% to 3. All types of online gaming merchants qualify for accounts including mobile gaming; social gaming, multiplayer video games; fantasy sports; online poker; racetracks, pari-mutuel wagering; and casinos. Credit and debit cards are the next step in the development of the online gaming business. Fees and Costs: Understand the fee. The process is easy, so you can focus on more important things. Mobile gaming, social gaming, sports gaming and many other gaming. Our experts understand all the industries profoundly and make the process convenient for the merchants. For example, the type of industry, the industry's reputation, the place of your business, a higher chargeback ratio, higher return volume & higher chances of fraud, high ticket items, and bad credit scores are a few grounds to consider a business high-risk. A merchant account is a type of account that is approved by a bank or financial institution to allow the business to take credit and debit card payments from their customers. Nonetheless, we have a high endorsement rate for high risk merchants and offer. Bonus abuse is a more basic scam closely linked to multiple account fraud. Firearms: There is great controversy over gun ownership, regulation, and safety in the U. Our banks have liberal underwriting policies, which makes approving online gaming merchants possible. However, it is considered a high-risk business. 3) Travel Merchants. This industry is highly regulated to protect players from major financial distress. Social gaming. This means that merchants in high-risk industries have a better chance of getting approved for an account. What is this? An online gaming merchant account is a customized merchant service that helps in online money collection. While some things about the business are common-sense, such as knowing the product, other are not. We work with a large, trusted network of acquiring banks that allow us provide merchant account solutions for retail, MOTO and/or e-commerce businesses worldwide. An online gaming merchant account has tremendous potential for online gamings, sports, and other skill games to maximize their benefit and guaranteed growth for the business. In the recent years, alternative payment processors like emerchantbroker. High Risk Payment Gateways offers Nutra merchant accounts for an extensive collection of sub-industries related to nutraceuticals, including: dietary supplements, food additives. EMB’s competitive rates, flexible funding options, and range of payment processing solutions make partnering with us an easy choice. Overdue payments and bills. It has several beneficial features that run to complete operations faster. Thanks to the power of online technology, online casinos have been able to prosper in recent years, giving casino business owners new opportunities to expand into the digital world and offer. It helps merchants to achieve their goals. Consider whether you need a multi-currency account, a high-risk merchant account, or specific features like an international payment gateway. When it comes to opening a business bank account, you are going to need: a business license. The two highest-risk accounts are online gaming and adult material. high risk merchant account. Visit the merchant account processor’s website. Why are online gambling, online gaming, and online casinos considered a high risk merchant account? What makes gambling or an online casino a high-risk business type is that the entire industry it’s heavily regulated in general. Video gaming. Many small businesses have been taking their trades online to benefit from the huge online market. Majority of card processing providers consider it as high risk industry due to certain reasons. A high-risk merchant account is a label your payment processor has given your business. Ultra-high-risk industries (like adult, firearms, and e-cigs) can even see higher rates. Our solid infrastructure allows us to take even greater payment processing risks. As a gaming merchant, you need to be aware of the needs of your gamers and also what your business needs. Bitcoin was leading what many thought of as a digital currency. The online casino industry is well-known as online gaming in the merchant service industry. Sell online or in person. Easy Pay Direct can help you get an adult merchant account and credit card processing services for your high risk business. S. The Payment Experts. A gaming merchant account is interpreted as a high-risk account for many reasons: The turnover rate at your business may be too high. US and international merchant accounts. High-risk businesses are no strangers to the unique challenges posed by the ever-evolving e-commerce landscape. High-risk merchant accounts provide this advantage by allowing you to trade globally and accept various currencies with fewer restrictions. Beyond that, EMB can also set up a fraud filter for your online payments. High-Risk Merchant Accounts. A high-risk merchant account is one that has been classified. Several businesses may need a high-risk merchant account to process credit cards. Penny auction merchant accounts are considered high risk in large part thanks to the high chargeback rates that happen so frequently to penny. Let Humboldt offer your. is the top service provider for merchants having. Credit card. The industry is constantly. We offer Online Gaming Merchant Account to the merchants through which merchants can operate their business transactions seamlessly. This can be damaging to any consumer, and merchants, as credit reports typically list any loan or credit card inquiry. Strong descriptors that include a customer service phone number. With EMB, you can enjoy top reliability, convenience, and ease of payment processing. 2. net to use them as payment processor. The prevalence of credit card processing providers evaluates it as a high-risk industry because of. Unlike traditional processors, they are more willing to work with high-risk businesses. In the realm of commerce, certain businesses earn the label “high-risk” due to their susceptibility to chargebacks, fraud, and other challenges. ” This is related to the causes we list below. DHL only began delivering. Common examples of high-risk businesses include: travel. Online Gambling Merchant Services. It’s tabbed as high risk by most card processing providers. Not every online gaming platform can be considered high risk, as your area, the volume of your company and the risks it attracts make you a high risk brand. Get processing. World-class checkout. 20. Our system has reporting tools and channels to aid in-house solution. EMB is voted the #1 high risk payment. An online casino merchant account is a special type of account designed to cater to the payment processing needs of high-risk industries like online gambling and gaming. The digital gaming businesses usually have a high volume of turnover. Our high risk payment processing expertise can help your legal gaming business acquire merchant accounts and protect those accounts from excessive fraud using proprietary. Support free trial. A typical issue in a gaming merchant account is a. If you have all the documents and meet all the requirements, the next step is to file your application. i. The bank then sends the information to the card issuer. Therefore, you need a high-risk merchant account for your high-risk business. picture identification. Applying for “No-Credit-Check” Merchant Account: Step-by-Step Guide. Get a. We also look at. Online. Our team of experts have a strong reputation of providing industry-specific support for low-risk industries: Apparel. EMB offers merchants in Hong Kong end-to-end services for all businesses, including high-risk businesses that offer nutraceuticals, gaming, travel services, or telecom services. Negative bank account. A flat-rate pricing structure is offered by Stripe:As a high-risk merchant account provider, we can help you get credit card transactions processed online in no time. PaymentCloud: Best for software integrations. Online Gaming Merchant Account helps gaming merchants to receive online payments in a simpler and faster way. Below is an inexhaustive list of each high-risk industry and its correlating merchant category code: High-Risk Industry (A-F) MCC. 1. PaymentCloud: Best for software integrations. net, give you access to information regarding your new account. Many merchant account providers do not understand the issues surrounding this industry and will provide a merchant account that will eventually be terminated, which is not only highly disruptive to any business, but it also makes it. The original risk factors are gaming and gambling. Our merchant account experts will answer your questions and send you a free adult merchant account application. For. This means that they will usually decline to provide a merchant account to gaming businesses, and if they do, the rates they charge will be higher. Hillcrest Dr. Or check it out in the app stores Home; PopularThe two highest-risk accounts are online gaming and adult material. From merchant accounts to payment gateways, from ACH processing to chargeback prevention. More and more high-risk businesses are getting. Published on May 22, 2023. Email Customer Service. There are troves of benefits that come along with having. Easily accept payments from players. Though they flagged my business as high risk and outsourced me to one of their partners who offers high risk merchant accounts for businesses like mine. While today, online gambling is very well regulated and organized, some financial entities still believe that certain threats exist. Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving high risk business types. The PayKings team has high risk merchant accounts for businesses with high risk payment processing volumes of $20,000-$100,000,000+ per month. With an easy to manage payment gateway, merchants will have no trouble with gateway integration or function. Issuu Store. We understand the unique challenges of your business and can provide you with the right merchant account that will meet all your needs. I recently got approved by Authorize. Reasons to Choose Karma Payment Solution for Online Gaming Merchant Account. It happened to be that, this account has become viral since the online gaming merchant has asked for the solution for payment processing. com | High Risk Payment Gateway, High Risk Gateway. One can be located almost anywhere in the world and obtain credit card processing services for a casino merchant account. Despite the status as a high-risk merchant account, it is possible to find a reliable and affordably priced payment processor for online gaming. Credit Card Processing Services. 1. The PayKings team has high risk merchant accounts for businesses with high risk payment processing volumes of $20,000-$100,000,000+ per month. 2. One of the biggest mistakes that merchants make is deciding on a popular payment processor and then finding out they won’t work with any high-risk merchant. 2. There are certain regulations in online gaming or gambling businesses. High Risk Solutions Offered by the Online Gaming Merchant Account . You may use it for online and brick-and-mortar companies to handle all debit, credit, and prepaid card transactions. We deliver high risk merchant accounts and payment processing solutions that help business owners thrive. they should have a deep understanding of the unique challenges faced by the industry and be knowledgeable about the regulations. gaming merchant account. Though only one factor likely will not get a merchant classified as high risk, a combination of these may: business size, location, and industry, credit score, credit card processing history, a industry’s reputation for excessive chargebacks, a prior history of high chargeback ratios, and whether a merchant exclusively sells online. You are your own boss and you can carry as few or as many clients as you want. Online Gaming Digital Goods. Even though merchants also enjoy the same benefits as households when they use credit cards, a good majority are still. Moving companies. The 21st century has been marked by the dramatic rise of online gaming and digital goods, transforming them into multi-billion dollar industries. Online Gaming is considered to be a high-risk business and needs a merchant account to fulfill your requirements. While it may seem like chargebacks are inevitable, there are ways that can help you stop them before they affect your business. The industry is booming with so much growth and potential that it is expected to reach over 127 billion by 2027. Online gambling is commonly known as gaming within the merchant services industry. All they want is to avoid the risk. Credit card processing is a must for online businesses. The bank then sends the information to the card issuer. With Instabill’s online gaming. The best small business merchant services accept all common credit cards, including Visa, Mastercard, and American Express. Like other high-risk industries, online gaming is also prone to many security and financial fraud issues. The Subscription boxes are regarded as at high risk in the merchant account. Each type has its benefits and limitations and can be an important part of a chargeback management system. – Online Dating. You do this by opening a merchant account. EMB is an award-winning merchant account provider that boasts an A+ rating with the BBB. A high-risk merchant account is one that has been classified by merchant account providers to be exposed to high levels of fraud which could result in high chargebacks. Welcome to BKW Servicing +1-866-259-7475 1054 Saint Andrews Boulevard, Charleston, SC 29407 sales@bkwservicing. Thankfully, there are specialized companies that cater to high-risk merchant accounts, perfectly suited for the gaming industry. Unfortunately, fantasy gaming is an industry that is classified as ‘high risk’ by many banks and financial service providers. There are many laws that prevent online gambling that businesses have to abide by. A high-risk merchant account is a payment processing account for businesses considered high-risk by banks. All they want is to avoid the risk. Some customers might join your gaming service or website for a bit and then. Are you a business owner in a High- risk industry? If so, you may be wondering how you can secure payment processing services to keep your business running. That means that player payments get processed faster. Gaming comes with the potential for. The reason for this is that many of the transactions that come from gamers have a higher chance of being fraudulent. Table Games and Poker. Gaming Merchant Account Solutions for International Gaming Merchant. Firstly, it is essential to choose a reputable payment processor with expertise in the high-risk industry. These are themselves financially risky activities for the customers, and a portion of such risk is always carried by the business that provides said. Nutra Merchant Account. A high-risk merchant account is a type of bank account specifically designed to cater to businesses with higher levels of risk associated with their operations. Typical reasons for this label is that your account is considered to be at a higher risk of fraud, chargebacks, or a high number of returns. That is why it is highly important to search for a reputable payment processor that will get you a merchant account without major. Thus, here are five instances that make an online gaming merchant account high risk: The card and cardholder are not present. Acceptance of all major Credit. Travel Merchant Accounts. 1-800-621-4893. Published Jan 18, 2023. These industries include online gaming, adult entertainment, cryptocurrency. Due to the added risk factor of high volume sales, potential chargeback and refunds involved, high risk businesses in the UK have certain demands that need to be met with. Online Gaming Merchant Account to Drive You Through the Efficient Gaming Payment Transactions Gaming continues to grow in popularity, with an estimated 2. Pre-screening process before getting a High-Risk Merchant Account. Learn about the specific challenges of an online gaming merchant account and how to secure reliable payment processing capabilities. 000 euros. Why online gaming merchant account is considered high-risk. Payline data plans cost $$20/month plus. Getting a regular online gaming merchant account is a difficult task due to the refusal of banks to co-operate with gaming merchants. EMB offers merchants end-to-end services for all businesses, including high-risk businesses that offer nutraceuticals, gaming, telecom services, and more. After that, many things can happen. Also to give the most successful transaction results. Dharma’s processing rate for high-risk businesses is interchange rate + 1. Our tools have been designed with business owners in mind, and our goal is to assist growing high risk businesses to reach the next level of success. A business can be considered high risk for a number of reasons, including just being a new business without much traffic. EMB has consistently proven to be THE BEST at what it does. Our full suite of electronic payment processing solutions ensures we can help virtually any merchant accept credit cards and checks electronically. In online payment processing, some business are considered riskier than others. So that you can get instant approval from the banks. If you’re interested in high risk payment processing, consider turning to EMB, the #1 high risk processor in the US. There… Actual games and tables monitoring; High Risk. Both the owners of painting businesses and independent painters may work with clients who would prefer paying them via credit cards. Digital gaming is categorised as high-risk by most acquiring banks for the following reasons: High volume turnover. The greatly high average credit card debt per household tells just how people love using these cards to carry out transactions. Nonetheless, we have a high endorsement rate for high risk merchants and offer. The most significant red flag for banks is the fact that a lot of these. The valuation of active players also reached 2. We have solutions for all sorts of gaming businesses, whether gambling, casino, social gaming, etc. Gaming payment processing typically involves a. E-Gaming Merchant Accounts. People could always find things that are new and might be more interesting to them after a while. This is because they often use stolen credit cards to make their purchases and the cardholder may not be aware of the purchase until it has already been made. In general, MCC codes are meant to safeguard processors and banks. To complete the application process, you’ll need to provide various identification and paperwork. Travel. Be sure those online merchant servicers are actually true businesses. Getting a smoke shop merchant account requires careful consideration of several key factors. Integration with popular e-commerce platforms and shopping carts. We are experienced at handling merchant accounts for online tobacco companies, and are very familiar with online tobacco sales. Including individual transactions and batch totals with comprehensive reporting tools. GENERAL INQUIRIES. An online gaming merchant account is a customized merchant service that helps in online money collection. Many PSPs consider the same merchant services for every business type. Search for a provider with extensive experience serving the online gambling industry. Retail. Yet, these sectors are often labeled “high-risk” due to a variety of factors such as regulatory. An online gaming business merchant account is a good example of a high-risk account. A simple, easy to find return or refund policy.