High Risk Merchant Accounts 101

Welcome to High Risk Merchant Accounts 101, the go-to podcast for business owners and industry professionals navigating the world of high-risk payments. Brought to you by the team at SoarPay, this show breaks down everything from credit card processing challenges to chargebacks, fraud prevention, and choosing the right merchant account provider. Whether you're just getting started or looking to grow your business, we’re here to help you take control of your payments, reduce risk, and unlock new opportunities for success.

The Best High Risk Payment Gateways in 2026 01/06/2026

The Best High Risk Payment Gateways in 2026 Finding the right payment gateway is critical for high-risk businesses—but not all providers are built to support your industry. Discover the best gateway solutions that offer strong performance, reliability, and features tailored to merchants in high-risk and regulated sectors. /episode/index/show/71a12228-350f-4ea8-bf07-5d743a0467a2/id/38735615

What’s A High Risk Payment Gateway? 12/02/2025

What’s A High Risk Payment Gateway? Not all payment gateways work for high-risk businesses—and choosing the wrong one can lead to shutdowns or frozen funds. Learn what makes a gateway “high-risk friendly” and which features matter most for compliance, stability, and long-term growth. /episode/index/show/71a12228-350f-4ea8-bf07-5d743a0467a2/id/38735565

Top Reasons for Chargebacks in High-Risk Businesses 11/18/2025

Top Reasons for Chargebacks in High-Risk Businesses Product disputes, fulfillment problems, and unclear policies can all lead to chargebacks—especially in high-risk industries. Uncover the most common causes, and learn practical steps you can take to prevent credit card chargebacks. A few simple changes can make a big difference. /episode/index/show/71a12228-350f-4ea8-bf07-5d743a0467a2/id/37915650

What is a Chargeback & How Does It Work? 11/04/2025

What is a Chargeback & How Does It Work? Chargebacks are one of the biggest challenges high-risk merchants face. Learn what triggers a credit card chargeback, how the dispute process unfolds, and what your rights and responsibilities are as a merchant. Understanding the mechanics is the first step to protecting your revenue. /episode/index/show/71a12228-350f-4ea8-bf07-5d743a0467a2/id/37915640

Merchant Account Chargeback Fees & Penalties Explained 10/21/2025

Merchant Account Chargeback Fees & Penalties Explained Every credit card chargeback comes with a cost—often more than just lost revenue. Get a clear breakdown of chargeback fees, how they’re assessed, and what you can do to minimize their financial impact on your business. /episode/index/show/71a12228-350f-4ea8-bf07-5d743a0467a2/id/37926505

Rolling Reserves for Merchant Accounts: Why They Matter 10/07/2025

Rolling Reserves for Merchant Accounts: Why They Matter A rolling reserve can quietly drain your cash flow if you’re not prepared. Discover how payment processors use reserves to manage risk, what typical reserve structures look like, and how to reduce or eliminate them over time. /episode/index/show/71a12228-350f-4ea8-bf07-5d743a0467a2/id/37915620

Understanding Credit Card Processing Fees for High-Risk Businesses 09/23/2025

Understanding Credit Card Processing Fees for High-Risk Businesses High-risk merchants often face steeper credit card processing fees—but why? Learn what drives these costs, how providers calculate them, and what you can do to negotiate better terms. Knowing the details could save your business thousands over time. /episode/index/show/71a12228-350f-4ea8-bf07-5d743a0467a2/id/37286560

How Long Does It Take to Get Approved For A Merchant Account? 09/09/2025

How Long Does It Take to Get Approved For A Merchant Account? Merchant account approvals can take hours—or weeks. Learn what influences the timeline, what to expect at each stage, and how to speed up the process with the right approach. If timing is critical for your business, these insight could be a game changer. /episode/index/show/71a12228-350f-4ea8-bf07-5d743a0467a2/id/37286535

Documents You Need for Merchant Account Approval 08/26/2025

Documents You Need for Merchant Account Approval Merchant account approval depends on more than just your application—it hinges on the documents you provide. Find out exactly which financials, IDs, and business records you’ll need to submit, and why each one matters. Being prepared could mean the difference between approval and delay. /episode/index/show/71a12228-350f-4ea8-bf07-5d743a0467a2/id/37286135

Understanding the Underwriting Process For Merchant Accounts 08/12/2025

Understanding the Underwriting Process For Merchant Accounts Merchant account underwriting can seem like a black box—but there’s a method behind the review. Discover what underwriters actually look for when evaluating your application, and how to make your business shine, even in a high-risk category. /episode/index/show/71a12228-350f-4ea8-bf07-5d743a0467a2/id/37286105

Common Reasons Why Merchant Account Applications Get Denied 07/29/2025

Common Reasons Why Merchant Account Applications Get Denied Denied for a merchant account? You’re not alone—and the reasons might surprise you. Get a clear breakdown of the most common mistakes and red flags that lead to rejections, plus how to avoid them when applying. /episode/index/show/71a12228-350f-4ea8-bf07-5d743a0467a2/id/37061065

How to Apply for a High-Risk Merchant Account 07/15/2025

How to Apply for a High-Risk Merchant Account Applying for a merchant account in a high-risk industry isn’t as simple as filling out a form. Learn the key steps that experienced business owners follow to boost their chances of approval. From choosing the right provider to preparing your business for underwriting, it’s all about strategy. /episode/index/show/71a12228-350f-4ea8-bf07-5d743a0467a2/id/37061025

The Role of Chargebacks in High-Risk Classification 07/01/2025

The Role of Chargebacks in High-Risk Classification Chargebacks aren’t just a nuisance—they could be the reason your business is labeled high-risk. Find out how chargeback ratios are calculated, what thresholds you need to stay under, and strategies to keep your numbers low. Protect your revenue and improve your reputation with the right approach. /episode/index/show/71a12228-350f-4ea8-bf07-5d743a0467a2/id/36833035

How Banks and Payment Processors Assess Risk 06/17/2025

How Banks and Payment Processors Assess Risk Banks and processors don’t just guess when they approve accounts—they follow a detailed risk evaluation process. Learn what they’re really looking for, and how your financials, business model, and chargeback history factor into their decision. Knowing the rules can help you play the game smarter. /episode/index/show/71a12228-350f-4ea8-bf07-5d743a0467a2/id/36832990

The Difference Between High-Risk and Low-Risk Merchants 06/03/2025

The Difference Between High-Risk and Low-Risk Merchants Why do some businesses pay higher fees and face more hurdles to get approved for a merchant account? Learn the critical differences between low-risk and high-risk merchants, from underwriting requirements to processing costs. Understanding these distinctions could save you time, money, and stress. /episode/index/show/71a12228-350f-4ea8-bf07-5d743a0467a2/id/36684095

Why Some Businesses Are Considered High Risk 05/22/2025

Why Some Businesses Are Considered High Risk High chargeback rates, regulatory scrutiny, and industry reputation can land your business in the “high-risk” category when you apply for a merchant account. Find out which factors matter most to payment providers—and how to position your business to overcome them. /episode/index/show/71a12228-350f-4ea8-bf07-5d743a0467a2/id/36649805

What is a High-Risk Merchant Account? 05/21/2025

What is a High-Risk Merchant Account? Some businesses get flagged as “high-risk”—but what does that actually mean? Discover the factors that determine this label and how it impacts your ability to accept credit card payments. Whether you're in firearms, supplements, or travel, understanding this classification is key to getting approved and staying compliant. /episode/index/show/71a12228-350f-4ea8-bf07-5d743a0467a2/id/36633310

TRAILER - High Risk Merchant Accounts 101 05/21/2025

TRAILER - High Risk Merchant Accounts 101 Welcome to High Risk Merchant Accounts 101, the go-to podcast for business owners and industry professionals navigating the world of high-risk payments. Brought to you by the team at SoarPay! /episode/index/show/71a12228-350f-4ea8-bf07-5d743a0467a2/id/36661360

High Risk Merchant Accounts 101

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