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High-Risk Merchant Account

Secure, accessible payment solutions and card processing for high-risk industries.

Fraud prevention

Keep ahead of fraudulent transactions with our suite of risk management tools designed to protect your business.
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Improved 
success rates

Receive the merchant category code 6012 for high-risk businesses, inclduing financial institutions, to boost authorisation rates.

Unified Platform

Consolidate your data, payment management and reconciliation all under one roof for seamless and efficient operations.
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Real-time 
insights

Access global data across all channels and payment methods to track performance, spot suspicious activity and utilise optimum billing times.

What businesses are classed as high-risk?

A high-risk merchant is a business that operates in an industry or market that is more likely to experience financial loss, chargebacks, fraud or legal issues. Payment processors often see these businesses as more risky, making it harder for them to secure reliable payment services. 

The type of products or services they offer, a history of chargebacks or strict industry regulations can all contribute to being classified as high-risk.

Do I need a high-risk merchant account?

Have you been struggling to get a merchant account? 

If your business falls into a ‘high-risk’ sector, you might find it more difficult to obtain a merchant account in order to accept credit and debit card payments online. If so, you could benefit from the high-risk merchant services provided by Nomupay.

High-risk industries we work with

There are so many industries that are classed as ‘high-risk’, some that you may not even realise. At Nomupay, no matter which sector you’re in, we’ll put your account application forward to the best high-risk account provider for your needs.
Examples of high-risk sectors we work with include:
Hemp Oil
Foreign Exchange (Forex) Merchant Account/Services
Adult Entertainment
Domain Registration
Software Downloads
Tobacco and E-Cigs
Money Transfer
Tattoo Studios
Lender Merchant Account & Services
Nutraceuticals
Payday Loans
Health and Wellness Products
Direct Sales and Pyramid Selling
Technical Support & Web Development
Nightclubs and Bars
Phone Locking Services
Dating Services
Online Gaming and Gambling
Credit Repair and Debt Management
Events and Tickets
Prepaid Phone Cards
Insurance
Vehicle Sales and Car Parts
Investment Schemes
PPI Merchant Accounts & Services
Travel and Tourism
Online Auctions
ISP and Hosting Services
Alcohol Products
Jewellery, Watches & Accessories
Cryptocurrency
The team at Nomupay worked around the clock to ensure we could scale our business quickly in a time of increasing demand. They were efficient and strategic, providing us with a solution we could effectively unify across all of our payment channels.
Matt Ball, Head of Strategy & Partnerships at Cignpost

Payments made real

We’re providing solutions for companies of all sizes around the world. From SMEs to large enterprises, our merchants benefit from our innovative payments architecture where every merchant solution is bespoke and customer-focused.
See case studies

We specialise in high-risk merchant accounts

With a standard high-risk merchant account, you will often receive:
higher setup, annual and transaction fees,
a longer settlement period,
increased account security.
But with Nomupay, you’ll get so much more than that.

We provide a number of very secure payment solutions that will protect your business from risks, including a secure payment gateway. This will protect both you and your acquiring bank from the potential losses associated with chargebacks and card fraud.

The gateway we provide features high levels of control, enhanced security and many beneficial features:
Smart dynamic routing – Soft payment declines can instantly be retried with a fallback acquirer.
Integration with local acquiring – By having our own licences in Europe, MENA and Southeast Asia, plus access to local partners, our gateway can connect global banks, enabling merchants to have multiple Merchant IDs (MIDs) all within the same integration.
Chargeback alerts – Receive early warnings of any chargebacks raised with our chargeback defender tool so you have time to turn it into a refund, reducing costs.
Create blacklists – Deny payments from specific emails, IPs, countries, devices and addresses to prevent fraudulent activity.
Extra security controls – Powerful and flexible card verification and security tools that allow you to confirm details such as security cards and customer addresses.
Enhanced reporting functions – Track your transactions and defence in real-time with direct updates.

Accept payments with our Unified Platform today

High-risk merchant account application & set-up

Tired of being turned down by banks? They are often wary about setting up accounts and card processing for unfamiliar businesses in high-risk industries.

Thankfully, we have established a strong and trusting relationship with our partnered acquirers. They’re more likely to consider opening accounts for high-risk merchants who are processing payments using our high-risk merchant account and payment gateway with its specific risk management tools.

We can also negotiate with acquiring banks on your behalf to offer payment security solutions such as:
Fixed bonds
Rolling reserves
Deferred payments

Get started

1
Welcome onboard
Contact us to get started with one of our payment specialists.
2
Set up
Explore your new solution with your very own test account.
3
Live
Go live and discover the benefits of Nomupay.
4
Ongoing support
Our advisors are there to provide you with support at any stage.

Quick and easy integration

Set up your end-to-end solutions package via a single integration.

Frequently asked questions

Take a look over some of our frequently asked questions, you can get in touch for any further infromation.
Similar to opening a standard merchant account, you just need to fill out an application and one of our specialists will be in touch. You’ll be partnered with one of our acquiring partners who specialise in high-risk businesses to provide a merchant account that is suitable to your needs.
A high-risk merchant account is a type of business bank account. It’s used to receive payments from debit and credit cards for your products or services if they are deemed to be in a high-risk sector. Payments are held in your merchant account until they are settled into your bank account.
High-risk merchant accounts tend to cost more than standard merchant accounts due to the extra threat of risk involved. There are many different high-risk ‘sectors’ and the cost can be influenced further if some of these sectors are judged to be less (or more) riskier than others.
Once a customer has made a payment, those funds are sent to the acquiring bank that the merchant is partnered with. Each of these payments is then released within a pre-agreed amount of days and transferred to the merchant’s nominated business bank account. This timeframe is known as settlement days and varies depending on your acquirer.
Ready to get started?
Join us to streamline your payment processing and boost your conversion rates.
Contact Us
hello@nomupay.com
help@nomupay.com
Nomu Pay Limited 5th floor Rear, Connaught House, 1 Burlington Road, Dublin 4, Ireland - Company Number: 09841252
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