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High Risk Industries

This high risk industries list describes unique business types that require custom merchant accounts to process payments. Whether their vertical offers unique items, has unique payment methods like subscription billing, or is in a unique consumable like nutraceuticals, these industries require custom merchant accounts.

From regulatory complexities to elevated chargeback rates, these industries present distinct challenges in payment processing. In this article, we delve into some of these high-risk industries, shedding light on the unique factors that define them and the strategies businesses can employ to navigate payment processing challenges.

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High Risk Industries List

Online gambling operates within a complex legal framework, often characterized by varying regulations across jurisdictions. With a higher propensity for chargebacks and potential fraudulent activities, businesses in this industry require specialized payment solutions that can handle these challenges.

1. CBD and Hemp Products

The legal landscape surrounding CBD and hemp products is constantly evolving. Due to the nature of these products, businesses in this sector often grapple with finding stable payment processing solutions that align with regulatory changes.

2. Travel and Ticketing

Travel and ticketing industries encounter high chargeback rates and fluctuating consumer behavior, making effective payment processing a critical component. Fraud prevention measures and strategic transaction monitoring are essential for success.

3. Subscription Services

Subscription-based businesses offer convenience but can also experience billing disputes and changing consumer preferences. Adapting payment processing strategies to ensure a seamless experience for customers is vital.

4. Online Pharmaceuticals

The sale of pharmaceuticals online involves stringent regulations and compliance requirements. Payment processing solutions need to navigate these legal complexities while offering secure and reliable transactions.

5. Nutraceuticals and Supplements

Nutraceuticals and supplement businesses operate within the health and wellness sector, requiring careful consideration of legal requirements and the potential for chargebacks due to differing customer expectations.

6. Dating and Matchmaking

The dating industry faces the challenge of mitigating chargebacks resulting from user dissatisfaction. Effective payment processing should include strategies to minimize the impact of these disputes.

7. Online Gaming and eSports

The online gaming and eSports industry is marked by a high risk of fraud and chargebacks due to its virtual nature. Payment processors need to offer fraud prevention measures tailored to this context.

8. Precious Metals and Cryptocurrency

Dealing in precious metals and cryptocurrencies involves fluctuating markets and potential fraud risks. Secure payment processing solutions are vital to ensure safe and seamless transactions.

9. Online Auctions and Marketplaces

The nature of online auctions and marketplaces can lead to disputes over transactions, making efficient payment processing and dispute resolution mechanisms essential.

10. Debt Collection and Credit Repair

The debt collection and credit repair sector faces legal and regulatory complexities. Payment processing solutions should align with industry requirements and regulations.

11. Online Tobacco and Vaping

The online tobacco and vaping industry faces strict age verification and legal compliance challenges, requiring payment processing solutions that adhere to these standards.

12. Firearms and Ammunition

The sale of firearms and ammunition involves strict regulations and age verification. Payment processing solutions must ensure compliance while enabling secure transactions.

13. Multi-Level Marketing (MLM)

MLM businesses operate within a model that can be perceived as risky due to potential pyramid schemes. Transparent payment processing solutions are essential to build trust with customers.


Navigating the complexities of payment processing in high-risk industries requires a deep understanding of the unique challenges each sector presents. By selecting payment processors with expertise in these domains and implementing tailored strategies for risk management and compliance, businesses can navigate these challenges effectively and continue to thrive in their respective markets.

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  • - High Risk Industries List
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