You’ll need to open a merchant account with a bank and set up the necessary hardware and software to accept credit card payments. Need a Merchant Account for your CBD Online Store? High Risk Merchant Account & Payment Gateway Provider⚡ Instant Approval Contact us ☎ (800) 956-1277. Wave: Best for free invoicing and accounting tools for solo professionals. . Braintree is a full-stack payments platform that makes it easy to accept payments in your app or website. Virtual terminal merchant accounts include unlimited virtual terminals. For example, when US businesses establish a European offshore payment processing account, the European account is considered an offshore account for the business in the US. CHEAPEST | Merchant accounts for INTERNATIONAL PAYMENT GATEWAY and best payment gateway for International merchant account provided by International merchant account providers for payment. Monthly fees. Plus, you get our competitive processing rates, and the benefits of live, U. Process credit card payments anytime, anywhere. However, these accounts often come with high fees, limited payment processing solutions, and little to no customer support. Just give us 10 mins we’ll give you a merchant id. Support teams across the world. Sign up now and start accepting payments with EasyPayDirect. You don’t want to lose another sale all because your business doesn’t accept credit cards, and if you apply today, you will be able to receive a retail credit card terminal. If the terminal prompts for additional info, press Enter/Send or enter 0000 to. Unlike traditional loans with defined term lengths, MCA financing gives you access to a lump sum of funds from a capital provider on an as-needed basis. Dealing with bounced checks and running to banks is time consuming. How to Increase Your Chances for Instant Merchant Account Approval. There are many companies claiming to have instant approvals, but it’s important to understand what this really means before being tempted by their offers of help. 1. Most of the time, the answer is yes. Shark Processing is a high-risk payment provider servicing merchants in the United States and internationally. Merchant account providers may offer no or low-cost merchant accounts, but they do not offer free payment processing or. Alfalah brings the most wide-ranging solution for merchants with widest variety of tools for QR payments for business. Stax: Best Credit Card Processor for High-Revenue Businesses. 2. You can receive an instant approval for a merchant account, so you can start processing immediately. Check for errors. We take pride in our A+ BBB rating and 99% approval rate for high. For more information, please contact us at 800. There are some industries we cannot serve (see list of. Not all payments are eligible for instant deposits. Instant Deposit Fee: QuickBooks Payments includes a service called Instant Deposit that normally takes a 1. 0 + No Support . Merchant services are financial services and products offered by banks specifically for businesses, including payment terminals and software used to accept and process card payments. Fundera, for example, uses a classic factor fee (expressed as 1. Your merchant account communicates with the customer’s card issuer. Once set up, online and in-house sales of any item purchased from your Inventory Management page will deposit. Even a low-risk business sometimes needs to wait 1 to 2 business days for their account approval. When a cardholder disputes a charge, their issuing bank will review the transaction and decide if. Choose the Sale key on your terminal or follow the procedures for a keyed manual transaction. Paid Whenever and Wherever. Since online payments also carry a higher risk of. One of the key advantages of ecommerce merchant accounts is their ability to provide a smooth and seamless payment process. Fill out the form to get started. Your merchant account receives funds and credits your. Results of a transaction (approval / declined) are returned within seconds. Secure Our mission is to deliver the most secure payment solutions in the marketplace. Bluevine Business Checking. In this example, if the holdback percentage was 15% and $5,000 was deposited into your merchant account for today, the holdback would be $750. Business. AboutCSI is the online source to get instant merchant account for your business services. Our payment experts approve 99% of low and high-risk merchants for full-service payment solutions, becoming the #1 provider for payment processing, funding, and so much more. Chargeback management. 5% transaction fee for processing payments within about 30 minutes. 9am to 5pm Australian Eastern Time. PayPal Business: Best for solopreneurs and occasional sellers. A merchant account is a type of business bank account that connects with a payment processor, credit card issuer and your bank to let you receive electronic payments. Stripe: Best for online businesses. Your merchant account communicates with the customer’s card issuer. Saving merchants the headache of entry errors. When a customer pays for a product or service with a credit. Contact Name. So, if your merchant account provider is unclear about the fee, it might be a sign to shift to another. Instead, all Stripe fees. Our skill in this area allows us to work with owners who have bad credit, companies with offshore or overseas interests, and businesses facing any barrier that prevents them from accepting credit cards. Legitimately make a name for yourself in the adult industry by working with our team of high-risk merchant experts, including all of these full-service solutions: Business funding options. Newtek knows how to bring your organization to the. View Filters. For more information regarding requirements for getting instant funding, please call (800) 993-6300 now and speak to a merchant account specialist. A business bank account or merchant account is the backbone of financial activities with cashless payments. 1. Key in Card number 373953312381006, then enter the expiration 12/XX (last two digits of the current year). Check processing. 7 + 7 = Submit. 30 = $750). csv or . Paytm then acts as a mediator & connects with merchant’s bank account and credits the amount. Whether you’re an e-commerce entrepreneur or a multinational…A merchant account is a commercial bank account established by a contractual agreement between your business and a bank. Payment Depot, which is owned by Stax, is an independent sales organization that handles merchant accounts for Wells Fargo Bank. per transaction. Statistical data reveals that the average SME earns £223,000 profit annually, thus amassing, on average, £93,660 from card payments. Soar Payments is a leading high risk merchant account provider, offering credit card processing for hard to place and non-traditional businesses. Still, this is far quicker than the traditional process. Click Change Payment Method to open the Billing details window. . Since GreenGeeks has already negotiated with e-onlinedata for you, we can provide you the best merchant account rates avaialble. For UK consumer cards, transaction fees cost 1% +20p for in-person transactions and 0. By Ashley Mugnolo Published: December 25, 2022 1:17 pm. Based in Calgary, Alberta, Helcim has been providing traditional credit card processing, mobile payment solutions, virtual terminals, and online payment gateways since 2009. 5, you will pay $5,000 back to the MCA provider as your cost of the capital. We’d love to get you approved. Our merchant services incl. The merchant must be involved in the process, and the service provider should offer quick solutions. ¹. S Bank and TD Bank, also allow customers to open business checking accounts online. Hardware: Quote-based. Shopify partners with Stripe, Inc. the process of checking whether an eCommerce merchant is eligible for an instant merchant account service or not, takes time. IN-PERSON. 95 a YEAR! That's equivalent to about $3. Here are six key steps to setting up a merchant account: Determine your business needs: Assess your business requirements, including the expected transaction volume and the types of payments you. Why Instant Merchant Account Verification Matters Taking the extra step to verify bank account information can save merchants plenty of headaches. What is an Offshore Merchant Account. 00 a month! Most merchant accounts charge a minimum of $20-50 a month, even if you don't use the account in a given month! Flexibility – ProPay allows you to process transactions via our simple online interface, using any. Usually, e-commerce businesses placed in non-resident nations are the ones that go for an Offshore Merchant Account (OMA). In today’s globalized business landscape, the ability to accept international payments is crucial for businesses of all sizes. Sign in to your account. Thank you CardConnect Paradise, for the assistance in setting up our credit card merchant account. 1. 5 out of 5 stars. A merchant account enables your business to accept credit card payments from your customers. A separate merchant account for retail sales allows you to divide retail and service transactions into two different bank accounts, create an LLC solely for retail sales, or create a clear distinction between service and retail sales. A nutraceutical merchant account is a type of merchant account that is specifically designed for businesses that sell nutraceutical products, such as dietary supplements, vitamins, and other health-related products. A high-risk transaction refers to a financial exchange that poses an elevated level of risk for either the merchant or the payment processor. Our system uses advanced technology to review your application and provide a decision in as little as 60 seconds. Helcim: Best For Growing Businesses. Instant deposits are available for an extra 1% fee. When we say ‘instant,’ we mean instant. Usually offers tiered pricing to bad credit merchants. While some processors can offer fast approval merchant accounts, there are some important caveats that businesses should. The process for applying for a high risk merchant account does not happen instantly, and it does not happen overnight. Our experts have over 30 years of experience working with a wide array of clients, from enterprise to small businesses. m. 9. Our gateway partners like NMI and Authorize. on Monday would usually be received by the recipient’s bank account on Friday morning. Here’s why: when customers pay on the website, an acquiring bank collects and stores the funds. 50 per successful instant verification. The majority of payment processors offer a variety of solutions and services to help merchants fulfill this demand; this includes offering different types of merchant accounts, like offshore merchant accounts. 3. For UK consumer cards, transaction fees cost 1% +20p for in-person transactions and 0. It’s your merchant account home page, where you can view statements, see dispute, deposit account and see all your account details. Then sit back, put your feet up, and start getting paid – regardless of your credit rating. Helcim. Build a robust business plan with clear objectives and financial projections. 2. 7 Ways To Get Instant Approval On Your High-Risk Merchant Account. Square: Best for mobile transactions. Offers Paysley QR-code payment service. As soon as you start accepting or spending money as your business, you should open a business bank account. There is a very real review process, called underwriting, that every merchant account must undergo. To use this extension you’ll need to create a separate account on Super Payments here before you can add Super to your checkout and take payments from your customers. That's because Payment Service Providers (PSPs) offer these services, too. You can choose between the following merchant accounts: A high risk merchant account is a type of payment processing account for unique businesses. Apply. Provide processing statements for the last three months. Before applying for a merchant account, remove any previous bankruptcies, delayed payments, or liens from your credit file. Merchant services accounts allow you to accept credit and debit card transactions from your customers. Compare to Square & PayPal. Genome’s instant merchant account features benefit small, medium, and large companies Accept credit cards & local payment methods Let your customers pay you the way they used to with traditional credit cards (Visa, MasterCard, Diners Club) and with over 20 local alternative payment methods and more than 20 accepted currencies. Easy Setup, Instant Approval 10 easy questions, instant approval, setup done in minutes. For full functionality of this site it is necessary to enable JavaScript. In addition to our online merchant account services, we offer a wide variety of cost-effective merchant equipment and solutions, including wireless terminals, electronic check services, mobile phone and POS credit card processing options. 30 = $750). High risk merchant account instant approval no credit check; The idea that you could get an instant approval for a high-risk merchant account can be tempting and frustrating. 1. There are lists of documents that the underwriter needs, which may include a valid drivers license, voided business check, articles of incorporation, and 3 months of bank statements. We are one of the top merchant services providers in the world! Online payments, POS systems, Clover and more. Merchant One: Best for Flexible Pricing. The notion that one could get instant approval for a high-risk merchant account can be tempting at first. -based customer support 24/7. Square Instant Transfers are fast and convenient, but the costs of using Instant Transfers regularly could add up. You can also manage over 40 currencies from just one account, to handle easier. Square even lets you create a free online store. When looking solely at credit card, debit card and cash payments, cash payments account for 58% of transactions and card payments 42%. Payment Gateway Solutions and High-Risk Merchant Accounts. Manage the users of your account easily. Adult payment processing is high-risk credit card processing so it comes with different fees and fee requirements which vary by service. GSPAY provides a credit card and cryptocurrency payment gateway allowing you to accept payments against very competitive rates. It’s a convenient and secure way to process credit and debit card payments. Speak with one of our qualified Merchant Account Representatives. If you. Safe and secure online payment. While merchants don’t want to wait to be able to accept payments, the reality is that there is a lot that goes into a high-risk merchant account approval. It also allows your business to. Set up a Merchant Account. Plan Details Simple Pricing Powerful Platform Why MerchantPlus Get started Free, Powerful Gateway and Virtual Terminal Only MerchantPlus includes NaviGate - a payment. Shopify partners with Stripe, Inc. That goes for both individual account users and merchant account users. ACH. Many of our providers offer instant approvals. 2. A chargeback is the potential outcome of a disputed credit or debit card transaction. Paypal Home. A high-risk merchant account is one opened by a company that may cause problems for. Merchant Account Instant Approval. As experts in the high-risk space, we have a team of in-house experts able to help you get your adult merchant account approved. Prohibited Business Types. An internet merchant account is a type of merchant account capable of processing and receiving online transactions. Instant deposit is an additional service offered by QuickBooks Payments subject to eligibility criteria, including delayed eligibility for. High-Risk Merchant Account Instant Approval. Setting up a merchant account is also pretty straightforward. 4% for mid-risk transactions. The High-Risk Merchant Account Instant Approval adds a unique ability to our business to offer. com. the process of checking whether an eCommerce merchant is eligible for an instant merchant account service or not, takes time. Dispute resolution. Flat rate. Once a card payment is processed, your funds will be deposited in your merchant account and will be held there until you actively transfer. Mobile solutions. What Instant Approval Actually Means For High-Risk Merchants. Steven Dobbins October 12, 2023. 1. - Instant Merchant Account (Be sure to ask them when you can receive your funds). 6% plus 10 cents per transaction. The Best Credit Card Processing Companies Of 2023. Let us beat your rate. ) When evaluating a high-risk business, merchant service providers must review the merchant application, conduct a thorough risk assessment, and check the business owner’s credit score. Virtual terminal merchant accounts include unlimited virtual terminals. Wave: Best For Independent Contractors. 1) Free ISO 20022 Request for Payment File Formats, for FedNow and Real-Time Payments (The Clearing House) . Our secure services encompass the whole cycle including a payment gateway, transaction processing, an acquiring bank, and a merchant account. The first step is to set up a merchant account with a bank or payment processor, like Paynote, that supports ACH transactions. The merchant account approval process can be virtually instant for traditional low-risk businesses, but having a high-risk merchant. Most of the account providers follow a two-step approval. In 2021, consumers paid for 70 percent of their purchases with a credit or debit card. A high risk merchant account is a type of payment processing account for unique businesses. Chase Payment Solutions: Best if you also need a free business checking account. To increase your chances for instant approval: Make sure your personal and business credit score is high. No Bank Account? No problem. Revolut. A merchant account provider enables a company to accept, process, and get the money via online or in-store payments. Contact a credit reporting agency or a firm that manages consolidated credit reports from key reporting agencies to obtain your credit history. Transactions. With a ProPay instant merchant account save time, increase revenue, and decrease cost. And if your non-compliance results in a data breach, you can be fined anywhere from $5,000 to $500,000! A merchant account is a specific type of bank account that allows merchants to accept payments. Create an end-to-end user experience without the overhead. $1. In most cases however, banks will want to review your processing history and sales volume on a case-by-case basis. $1. No, it will not be “instant”, but you will receive an account much faster than working with a traditional provider. We offer a personalized mobile merchant account that provides extra security, direct customer support, and complete control over your payment processing. Any Business, including, Gambling, Gaming Sites. international banking partners to be able to provide diversified solutions suitable for nearly every type of high-risk merchant account. 800-567-3019. Immediate, hassle-free payouts. Payment aggregators are companies like Stripe, PayPal, and Square. Certain businesses and industries can get instant approval on a high risk merchant account. There is a generalized thumb rule regarding the tagging of a business as high-risk. Easy integration. 35, and you are requesting $10,000, the merchant cash advance company will collect $13,500 ($10,000 x 1. Your merchant account communicates with the customer’s card issuer to confirm the transaction. When a payment facilitator approves you in. What is a merchant accounts?⭐ It is a separate entity from your bank account but just like your bank account, it is a payment processor. Typically MCA fees range anywhere from 1. While an instant merchant account approval may seem like a great idea on the surface, it can be actually detrimental to your business. These accounts charge various transaction fees and require a minimum number of monthly transactions. Proven to add thousands to your bottom-line profits each year. Apply For FundingEugene Kauzlarich, President of MerchantService. We carefully combine high-quality services with low prices to further our goal of becoming the leading high-risk merchant account provider in the country. You can also get the same instant merchant account from merchant account sales providers. Helcim: Best for growing storefronts. However, you can still set up your own domain or find and purchase the perfect domain for your store by visiting the “Upgrade > Domain” page on your Woo Express dashboard. Using virtual merchant accounts like 5 Star Processing helps high-risk businesses achieve success through smaller fees and higher approval rates. MOBILE MERCHANT ACCOUNT PROCESSING SERVICES INCLUDE: Quick, Easy and Free Set-up. As merchants seek. For example, if you process $20,000 or more a month, or if you have an average transaction amount of $500 or more, you risk more opportunities for higher chargeback ratios. There are more than 325 million active PayPal users across the world. By using IBV some processors. balance for APY. Online merchant account instant approval eliminates the waiting time between the application and approval of the account allowing businesses to start. The high risk merchant account provider initially approves your account. Feel free to contact our Instant Accept Sales Team for assistance or questions. Ensuring Your High-Risk Merchant Account Instant Approval UK Taking payments worldwide is a risky endeavor, which means that virtual providers may see you as an even bigger risk. All you need is a dedicated bank account to process payments. It's easy to open an account with Square. Offshore merchant accounts are proven to be the best. You should stay away from them. GET A FREE QUOTE. With a simple, single integration, you can enable 100+ local payment methods including cards, digital wallets, instant bank transfers and other alternative payment methods. Though, most of the process functions similarly to applying for a merchant account with good credit. Instant merchant account approval, i. In high-risk merchant accounts, “instant approval” is a rarity. Based on our evaluation, the best high-risk merchant account providers are: Best overall (and most versatile): PaymentCloud. Here are the steps you’ll need to follow: 1. High-risk businesses typically operate in industries that are prone to chargebacks, fraud, and legal and regulatory complications, such as online gambling, adult entertainment, nutraceuticals, and e. xml data for completed ISO 20022 file) fields, start at page 4, with "yellow" highlighting. We track the history of your business as well as track your records for you. The 7 Best ACH Processing Companies. 2. Both merchant account and bank account are free, though you need to maintain a $2,000 bank balance (otherwise, you pay $15 for the month). Click your merchant account or See activity to start managing your payments. About Us. Chase’s answer to Square and PayPal card readers is Chase QuickAccept, which is a magstripe, chip, and contactless card reader that is provided for free when you enroll in the Chase merchant account. Stripe: Best for omnichannel businesses. If you’ve seen claims of “instant approvals,” these are typically false. Electronic checks also process quickly. Find out the benefits, requirements, and features of instant merchant. Durango Merchant Services: Best for highest-risk businesses. Leaders Merchant Services: Best for Small Businesses Interested in Cash Advances and Loans 3. Shopping online shouldn't cost you peace of mind. If a merchant account provider claims to offer instant approval. We pride ourselves on fast approval times and getting merchants set up quickly. What they define as “Instant” may actually take a day or two to approve your account. SQUARE: FOR NEW BUSINESSES. Fees for merchant services vary by provider, pricing model, and payment location and method. Apply for the necessary business. ”. Merchants looking for a high risk merchant account for instant approval must find options fast. Link your card. net, give you access to information regarding your new account. Please reach out to our team of experts. Merchant services are financial services and products offered by banks specifically for businesses, including payment terminals and software used to accept and process card payments. Getting an. 1% for low-risk transactions. 30 per transaction. How does a Merchant Account work? Merchant Account works more or less like a Current. You need to get a merchant account activated to process the online payments for your business transactions. Payment gateways. 2015 data from Payments UK shows the split between cash and card payments. Merchant accounts are an essential component in the payment processing landscape. 75% plus 30 ¢ents per. Some businesses open high-risk international merchant accounts to offer their products and services to offshore clients and consumers. From credit card processing to bitcoin, and digital banks to finance software… we cover it all! Soar Payments is the leader for high risk credit card processing, offering Industry Minimum Pricing and USA-based customer support. Instant Activation of your Internet Certified Merchant Account Virtual Terminal for key entered Mail Order/Phone order sales Integration to hundreds of shopping carts & software systems. Get the best high risk merchant account for your industry. Offshore merchant accounts are accounts whose payment processors and acquiring banks are located outside your country or the essential business operations area. Eazypay QR, POS or PG. com is rated A by Card Payment Options and is named one of Inc. An instant merchant account with ProPay can help you save a significant amount of time in your work day. Enabling your shop to accept instant smart payments through QR, managing your everyday payments with portal, real-time reconciliation, e-shop catalogues within the app and instant financing for inventory buying with AlfaPay. When a transaction is approved, the funds appear nearly instantly in the merchant’s PayPal account for same day settlement. John and Kelly carefully consider the fees associated with each merchant services. With providers advertising “instant credit card processing approval,” there’s usually some fine print specifying that approval takes 24-48 hours — faster than normal but not “instant. Looking for something specific? Contact us to see if we can help! Chargeback Alerts Is your merchant account […]Similarly free instant full or partial refunds are supported using Faster Payments from your merchant account back to customers. 3% for credit card transactions (all currencies). We help businesses handle payments more efficiently. Buy from millions of online stores without sharing your financial information. Clover: Best for POS. Based in Calgary, Alberta, Helcim has been providing traditional credit card processing, mobile payment solutions, virtual terminals, and online payment gateways since 2009. 5, you will pay $5,000 back to the MCA provider as your cost of the capital. PaymentCloud: Best for software integrations. No set up fees for most merchants. Stripe is free to set up and the company does not charge a monthly or annual fee for its services. The company is rare among merchant services providers in that it fully discloses its pricing on its website for anyone to view. To set up an ACH payment with a customer: Collect the customer’s bank account information (or, often if you’re acting as a vendor, give your bank account information to the client). In Summary: 5 Best Bad Credit Merchant Account Providers. Thanks to a reliable processor that offers instant approval for merchant accounts, you can start growing your business easily. Before you go, don’t forget to review our top picks for the best instant approval merchant accounts. The reality is, merchant account instant approval isn’t really instant for high-risk merchants. KEYED IN. Next, the payment is verified and sent electronically through our NACHA. To help you find the right solution for your needs, we’ve ranked our picks of the best merchant services for small business available today. Stripe’s pricing is fairly straightforward. Our payment gateway API easily incorporates into an e-commerce website and assists in processing online payments through multiple channels. By simply sharing your custom links and advertising materials supplied by your portal the referral contact is automatically tracked to you. For our round-up, in-person costs range from 1. 1). 5% to 3. Even though instant credit card processing can be set up, there is no such thing as a High-Risk Merchant Account Instant Approval. Paytm processes the transaction by debiting the amount from the customer bank account. The definition of a merchant account is: a type of bank account for businesses, looking to accept cashless payments. In this example, if the holdback percentage was 15% and. All you need to know about High-Risk Merchant Account Instant Approval. Instant Merchant Account Approval. 3. Finding the best ACH payment processing companies for your small business often comes down to selecting a reputable company that can provide both ACH and credit/debit card processing in a single package. Accepting credit cards at your business is important, and many business owners need to get a merchant account set up in less than 24 hours. per transaction. The best virtual terminals in the UK come from Worldpay, Opayo, PayPal, SumUp, Square, PayVector, and Web-Merchant Services. When merchants accept eCheck payments, funds are electronically transferred from the customer’s bank account directly into their bank account through the Federal Reserve Bank’s Automated Clearing House (ACH) system — it’s. 2. SERVICE FEE. Cancel the original Instant Ink account to prevent continued billing. Everything went well as I integrated my instawalletpay account to instantmarchantpayment, card activation excellent fast processing after payment thanks to IRS whom informed me about the on going integration and fast withdrawal from instantmarchantpaymet. EMB is voted the #1 high risk payment processor. No waiting for your client to acquire a merchant account — you can start the process and give your clients an easy way to sign up and set up a merchant account. Instant credit card processing approval for ecommerce stores is offered by suppliers such as PayPal, with most applications being. 8/5 from us following our research and testing – one of its best qualities is that it's one of the most affordable mobile reader providers we analysed. Virtual Terminal. July 28, 2023. Get an instant online quote for high risk merchant services. Find out which provider suits your needs and preferences. It’s all done online without the need for a paper signature. Out of 5 Stars. It’s especially important for online payments, where customers can easily enter their bank account and routing numbers incorrectly by mistake. It is like the two sides of a coin, it can be both – easy as well as very. A payment gateway is the infrastructure that enables you to accept credit cards and electronic check payments from websites, terminals or mobile. High-risk merchant accounts attract more stringent conditionalities than regular merchant accounts and are more expensive to manage. Instant Settlements - a solution to cash flow challenges of your business through on-demand and same-day settlements for your payment gateway in India. 2. In Summary: The 8 Best Offshore Merchant Account Providers For Small Businesses. There are lists of documents that the underwriter needs, which may include a valid drivers license, voided business check, articles of incorporation, and 3 months of bank statements. Instead of requiring a contract, the company. Fast approvals in 24 – 48 hours. 7 Ways To Get Instant Approval On Your High-Risk Merchant Account. Fill out the quick & easy form or pick up the phone and call +1 (800) 530-2444. Unless, you work. We love these guys because they offer: Plus they offer a fast application approval turn around, easy hassle free set up, centralized reporting, built in fraud prevention, free. The customer pays for a product through any method like Debit/Credit cards, Net Banking, UPI, EMIs. Offshore merchant accounts are accounts whose payment processors and acquiring banks are located outside your country or the essential business operations area. A merchant account is a type of business bank account that allows you to safely process electronic payments like debit and credit cards both in-person and online. Eazypay QR, POS or PG. Micro-deposit verifications are free. Genome offers around 20 local payment methods. We offer quick merchant account approvals. Host Merchant Services: Best for large high-risk businesses.