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Many processors will simply refuse to approve you for a merchant account, while others will charge you significantly higher rates and fees than you would otherwise have to pay.

Unfortunately, there are also plenty of merchant services providers that deliberately market to high-risk businesses that are struggling to get approved for a merchant account, only to rip them off with outrageously high fees and rates, as well as draconian contract terms.

This helps to reduce their exposure to fraud and keeps costs low for their existing clients.

Other providers will allow certain high-risk companies, but will charge you significantly higher rates and fees for your merchant account due to the elevated risk they’re accepting by giving you a merchant account.

If you’re having trouble getting approved, take a look at our top picks for high-risk merchant accounts.

The first thing to understand about high-risk businesses is that your processor will determine whether you fall into one of their high-risk categories when you apply for a merchant account.

The agent we spoke with, Stephanie, told us that emails are not sent out to customers before the payment method is charged on the recurring plan, but anyone wishing to cancel recurring payments can do so from their online account.Larger, high-volume businesses receive lower processing rates and often get more generous contract terms.Businesses are also treated differently based on the degree of financial risk they present to their processor.Although very small businesses can get by with a payment service provider (PSP) such as Pay Pal or Square, once your business reaches a certain size, you’re going to want to upgrade to a full-service merchant account.While it would be nice if credit card processors treated all businesses equally, the fact is that they don’t.The service prices range from to a month, on average, but the real kicker is when the payments are set-up on a recurring basis and the users gets charged for services they are no longer using.Click here to leave a comment about your customer service experience.While some business types, such as pornography or drug paraphernalia will almost always be placed in the high-risk group, others may or may not be, depending on your processor.Some merchant services providers have very strict guidelines for determining high-risk status, while others use more relaxed criteria.There’s also a third category of providers who specialize in placing high-risk businesses.While their rates and fees aren’t a good deal for non-high-risk merchants, they can often provide a merchant account for high-risk businesses that have been turned down by other providers.