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The future of high-risk merchant account services is here.

Inovio has been helping businesses operating in specialty categories simplify their payments and increase their profits since 1992. Even if you’re a business type that represents a higher risk or you have little to no processing history, we can still provide you with affordable and secure payment solutions. Better still, these solutions are completely customizable and supported by white-glove customer care. When it comes to accepting credit cards as a specialty business, it pays to go with Inovio.

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HomeIndustries › High Risk

Payment solutions for every scenario.

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Hosted Checkout

Accept payments online with our Hosted Checkout Page or Hosted Payment Form while simplifying or even eliminating your PCI compliance burden.

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Payment Gateway

Take advantage of a fully integrated, technology-driven payment gateway that delivers seamless integration and global scalability.

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Recurring/Subscription Payments

Simplify payments for repeat customers by securely storing cards on file, while leveraging flexible billing schedules that keep your cash flowing.

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International Payments

Accept local currencies while getting paid in yours with our multi-currency conversion.

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Solutions for all types of high-risk industries.

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Adult

Get credit card processing designed specifically for the adult entertainment industry.

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Credit repair

Leverage high-risk payment processing designed with credit repair businesses in mind.

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Ecig & vape

Accept payments online with customized solutions for ecig and vape retailers.

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Firearms

Enjoy 2nd Amendment-friendly high-risk payment processing for gun brokers.

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Online gaming

Partner with a payment processor who knows how to keep your players in the game.

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Online alcohol

Keep your spirits up with simplified high-risk payment processing for online alcohol retailers.

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The best features for high-risk businesses.

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Frequently Asked Questions

What is a high-risk merchant account?

A high-risk merchant account is a specialty merchant account for businesses in traditionally hard-to-place categories. Businesses may be considered high-risk for several reasons. These include the business’s financial history and/or credit score,  the industry it’s operating in, and whether the business sells internationally. Additional factors that could make merchants require high-risk payment processing include having large average transaction amounts, high chargeback ratios, being a brand-new business, and having a high rate of card-not-present transactions (and therefore a greater risk of fraud).

How are high-risk merchant accounts different?
High-risk merchant accounts differ from typical merchant accounts in a few notable ways. For starters, high-risk businesses should expect a more thorough application process. High-risk or specialty businesses may also pay slightly higher payment processing fees and could be required to set aside cash in what is called a rolling reserve to help offset the cost of chargebacks.
What industries are considered high-risk?
Many types of businesses can be considered high-risk including those operating in the following industries: adult, collections, credit repair, dating, ecigarettes, firearms, gaming, multi-level marketing, nutraceuticals, pharmaceuticals, and many more.
How do I choose a high-risk payment processor?

There are several things to consider when selecting a payment processing company for your high-risk merchant account. Obviously, you’ll want a payment technology company who is experienced with high-risk industries in general, and your specific industry in particular. You’ll also need a reputable partner who can offer reasonable fees, ironclad payment security, the latest risk management tools, and round-the-clock customer care and technical support.