High-Risk International Merchant Solutions: Seamless Payments for Your High-Risk Businesses

High-Risk International Merchant Solutions: Seamless Payments for Your High-Risk Businesses
8 min read
20 December 2023


The global e-commerce market is the outcome of globalization and digitization, which crossed a record level of trade ($32 trillion) in 2022. In this interconnected world, businesses do not merely depend on domestic markets but also sell goods and services in the global market. This helps them overcome their dependency on the single market and lets them rise continuously. These businesses need reliable, trustworthy high-risk merchant solutions to facilitate smooth and secure payment processing. In this blog, we will comprehend the high-risk international merchant solutions and help you acquire the best one.

What is a High-Risk International Merchant Account Solution

A high-risk international merchant account solution is a fundamental need for high-risk businesses dealing internationally to accept customer payments worldwide. It streamlines your payment system by providing a smooth and frictionless payment experience while protecting you from potential fraudulent activities. It is very similar to a bank account that enables you to accept, hold, and withdraw customer payments. A merchant account is also called a landing account, as this is the account where customer payment comes first. After settlement or payout, you can transfer this payment to your regular bank account.

Let us draw your attention to the fact that banks and traditional financial institutions do not provide high risk payment processing to cross-border businesses as they label them as high-risk. The criteria for labeling high-risk can vary from bank to bank, but usually, they consider the nature of the business, business location, the volume of trade, currencies involved, undefined regulations on business, fraud potential, possible chargebacks, and so on.

Are There Specific Industries Considered High-Risk?

Yes, all merchant service providers (MSPs) consider industries like online gaming, casino, poker, gambling, forex, adult entertainment, IPTV, etc., as high-risk. These industries are categorized as high-risk for several reasons, but a few of them, such as potential fraud, chargebacks, rules, regulations, etc., are common, as mentioned earlier. To stay within the main topic, we will keep this short. (We will elaborate in other blogs on each industry and why they are high-risk, so keep connected with WebPays).

These industries require specific types of payment solutions that are crafted according to their challenges. As these businesses are high-risk and deal cross-border, they need a payment solution created with an amalgamation of features of high-risk merchant accounts and industry-specific. Also, they should be integrated with international payment gateways for a seamless payment experience. To provide you peace of mind from the payment processing side so that you can focus on your core business and goals, some MSPs like WebPays have developed specific solutions for these businesses; they are as follows:

Online Gaming Merchant Account

Adult Toys Merchant Account

Forex Payment Processing

IPTV Merchant Account

Alternative Payment Methods

Offshore Merchant Account

Global Payment Gateway

Credit Card Merchant Account

How to Acquire a High-Risk International Merchant Account Solution

Acquiring a high-risk international merchant account solution can be challenging, as financial institutions are cautious due to the elevated potential for chargebacks and fraud. However, it is possible with the right approach and preparation.

  1. Research: Understand the nature of your business and its classification as high-risk. Identify banks and payment processors experienced in dealing with high-risk industries.
  2. Documentation: Prepare comprehensive documentation, including business licenses, registration (if available), financial statements, and a compelling business plan that highlights risk mitigation strategies.
  3. Legal Compliance: Ensure compliance with international and local regulations, including anti-money laundering (AML) and Know Your Customer (KYC) procedures.
  4. Low Chargeback History: Aim to maintain a low chargeback ratio by providing quality products/services, transparent policies, and excellent customer support.
  5. Industry Associations: Membership in recognized industry associations can enhance your credibility as a high-risk merchant.
  6. Reputation: Cultivate a positive online reputation with customer reviews and testimonials.
  7. Payment Processing History: A track record of responsible payment processing can boost your chances of approval.
  8. Offshore Options: Consider offshore merchant account solutions in jurisdictions with a higher tolerance for risk.
  9. High-Risk Specialists: Seek the services of payment processors specializing in high-risk industries, like WebPay, as they are more likely to understand your specific needs.
  10. Transparent Communication: Clearly communicate the nature of your business to potential providers, explaining your risk management measures.
  11. Negotiate Terms: Be prepared to negotiate fees and rolling reserves, but be realistic about the potential costs involved.

Remember that patience and persistence are vital in obtaining the best high-risk merchant account. It's essential to present your business in the best possible light and demonstrate that you have taken measures to mitigate potential risks effectively.

What Should a Merchant Look for in a High-Risk International Merchant Account Solution Provider?

When selecting a high-risk international merchant account provider, merchants must exercise due diligence to ensure they partner with a reputable and reliable company that meets their specific business needs. Here are essential factors to consider:

  1. Experience: Look for providers with a proven track record in serving high-risk industries and experience in international payment processing. Also, check its familiarity with your specific industry expertise.
  2. Global Reach: Ensure the provider supports transactions from your target countries and offers multi-currency processing to accommodate international customers.
  3. Risk Management: Evaluate the provider's risk management tools and fraud prevention measures to protect your business from chargebacks and fraudulent activities.
  4. Security: Ensure the provider adheres to stringent security standards, including PCI DSS compliance, to protect sensitive customer data.
  5. Payment Methods: Check if the provider supports the payment methods relevant to your target audience, such as credit cards, e-wallets, and alternative payment options.
  6. Payout Options: Consider the payout frequency and methods offered by the provider to ensure smooth access to your high risk payments.
  7. Transparent Pricing: Look for a provider with clear and transparent pricing structures, including fees, processing rates, and any additional costs.
  8. Customer Support: Knowledgeable 24*7 customer support is necessary, especially for international merchants dealing with different time zones.
  9. Integration Options: Choose a provider with easy-to-use and flexible integration options compatible with your existing e-commerce platform.
  10. Reputation: Research online reviews, testimonials, and feedback from other merchants to gauge the provider's reputation and reliability.
  11. Scalability: Assess whether the provider can accommodate your business's growth and expansion into new markets.

By thoroughly evaluating these factors and asking the right questions, merchants can make an informed decision when choosing the best payment processor.


It is essential to acquire a high-risk international merchant account in this interconnected global online market. By following the tips in the blog, merchants can obtain the right payment solution provider that aligns with their unique needs. However, you can choose WebPays, a full-stack payment solution provider, as your payment partner for hassle-free payment services. We have extensive experience in high-risk industries, such as online gaming, gambling, forex, IPTV, etc. Moreover, we are presented in over 150 countries, offer 100+ currencies support, and accept 35+ alternative payment methods. WebPays provides easy and same-day integration with top-notch security, a risk management system, transparent pricing, and quick payout. With a strong reputation, we offer our services to both regulated and unregulated merchants. By acquiring WebPays as your payment partner, you ensure smooth and frictionless payment processing for your customers. To get instant approval, apply now.

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martina071 0
WebPays online High risk merchant account empowers e-commerce businesses with seamless payment processing. With advanced features, robust security and 24*7 cust...
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