Chargebacks, PCI compliance, surcharging rules and what actually gets a high-risk merchant approved.
Which states still ban credit card surcharges, which cap them, and which bans were struck down in court.
Read →The 2.4% cap, the notification requirement, and why Quebec is the exception.
Read →The six factors behind a high-risk classification — none of which are about your business specifically.
Read →Gateways, cards, ACH, e-checks, EMV and POS, and which combination suits how you sell.
Read →What classifies a business as high-risk, the five challenges that follow — higher fees, refused processing, compliance, fraud, financial exclusion — and how to solve each.
Why travel businesses are labeled high-risk — advance bookings, cancellations and high ticket values — and what to look for in a processor that underwrites them.
Cash discount or surcharge? The difference matters legally. What each means, where surcharges are prohibited, and how to implement either without penalties.
Why mainstream processors freeze and terminate firearm merchants without notice, and what a high-risk merchant account changes for FFL dealers and gun stores.
The seven chargeback reasons that actually happen most, and the specific prevention for each — 3D Secure, descriptors, return policies, refund timing and more.
Why banks classify recurring billing as high-risk, the 2% chargeback threshold that closes accounts, and how subscription merchants keep processing.
Call (877) 781-1785 or email sales@structpayments.com. A real specialist, not a call center.
We do everything possible to get you approved, and most merchants are processing within about 48 hours. No obligation to see your real rate.