Private Airline Merchant Accounts

Running a private airline can be an extremely lucrative and profitable business, giving you a chance to cater to some of society’s wealthiest while ensuring that you are also turning a healthy profit. Of course, the key to any successful business is having access to appropriate financial services and merchant accounts, and this is where running a private airline can create problems. Private airlines can be considered a high-risk industry by merchant account services. As a result, high-risk merchant account providers may charge you more money. This can make it more financially challenging for your charter jet merchant account to even get off the ground and be affordable. If you cannot afford to use the appropriate financial services, or if those financial services charge you high amounts in fees and credit card processing charges, you are going to lose more money than you should. The end result is that you need to ensure that you find a merchant account service that can meet your needs at affordable prices. Thankfully, there are many credit card processing companies that can help you meet your needs, protect your credit score, and allow you access to critical financial institutions. 

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Private Airline Merchant Account Overview

What is a High-Risk Account?

High-Risk Account is an account that has been identified by industry professionals as one that is more likely than others to have serious financial concerns, such as a need for refunds, or if the business in and of itself is particularly risky. Many financial service companies are still more than happy to work with businesses in the high-risk field, but in order to do so, they will charge your private airline merchant account extra money in order to access these services. This is done to mitigate the risk of doing business with a high-risk firm, but as a result, you lose money. 

Why is a Private Airline Account High-Risk?

All of this begs the question: Why are private airlines considered high-risk, and what does this mean for your ability to access credit card processors and e-commerce? 

  • The charges here are very expensive and of a high value. As a result, if something goes wrong, there is more money at stake and more of a potential downside for financial services companies and the businesses they serve.
  • Charter flights, of course, are not guaranteed. Jet charter services can be disrupted by mechanical trouble, financial trouble by passengers, weather changes, and staffing issues can all result in a loss or shut down of a flight, and this can mean that a private airline may need to return the money expended for a purchase.
  • Private jets do not have regular routes, schedules, or more. Advanced scheduling in the air charter and air travel industry can often be difficult. This means that there is a higher risk of flight cancellations, as there is no routine. As a result, there may be chargebacks, and these chargeback rates can get expensive.
  • In many cases, expensive flights are scheduled in advance and over an online reservation system. This lack of in-person purchases, and the high value behind those purchases, increases the chances of a purchase of a private flight is fraudulent, resulting in a potentially significant loss for all parties involved.

At their core, all of these issues tie to the same basic issue: Chargebacks, the need to reduce chargebacks, and the need to control the fees that are incurred.

Having trouble getting approved somewhere else? We specialize in high risk. Apply today.

How Can A Merchant Account Provider Work with the Charter Airlines Industry?

If you are in the charter airlines industry, that means that you are in what has been classified as a high-risk business. As a result, you will need a variety of services that are explicitly geared towards fulfilling your specific needs. 
So, what does this mean, and what does this look like? First and foremost, you need a high-risk payment gateway. This is obvious: You have to have some way of taking payments, regardless of if those payments are made from a credit card, check, eCheck, or more. More to the point, you have to have the flexibility to accept payment regardless of how those payments are made, including if they are made over the phone, in person, or via the internet. Depending on your specific client base, you may even need to investigate non-traditional payments, such as accepting payment via cryptocurrency. 
The charter airlines business usually knows no borders, and that means that you have to have a merchant account provider that is capable of doing business out of the United States. You may also need a merchant account provider who is capable of processing payments in different currencies, even if you are primarily based in the United States.
If you have a vendor that is making payments of a high enough value, credit card payments may not do the trick. You may need to look into low-cost ACH payments, meaning that a customer’s bank will make a direct transfer to you. This can get expensive if you have the wrong merchant account provider. As such, it is critical that you find the right provider who can handle these kinds of payments while also keeping your costs down.
Finally, you also have to consider your eCommerce options. This means that you need to examine exactly how your payments can be made digital and how a customer can easily book a flight and pay for it via your website. Again, costs and hidden fees can eat well into your profit margin, so you have to do everything you can to keep these fees low. 


Zenti Connect plays nice with others

Zenti Connect integrates seamlessly with ISV software to simplify payment processing for merchants: any payment type, on any device, anywhere. 

Zenti integrates with over 99% of the tools you are already using, including popular accounting software and e-commerce apps, regardless of your industry. Our payment services were designed to be adaptable to provide seamless integrations for our customers.

merchant account integrations c

Microsoft Dynamics
Network Solutions

Event Espresso
events manager
Paid Memberships Pro

Drupal Commerce


911 Software, Inc.
ACR Systems
Aldelo Systems, Inc.
Applied Micro Technology
Advanced Retail Management Solutions (ARMs)
Auto star
Cantaloupe Systems
Data Business Systems
Datacap Systems, Inc.
DataTech Corp
Edgil Associates
Epicor (CRS, NSB)
Freedom Pay
Gateway Ticketing Systems
Idalica Corp
IJN Systems
IT Retail
Main Street Softworks
MBS Textbook Exchange
Medasyst, Inc.
/n Software, Inc.
PC America
RATEX Business Solutions
Retail Data Systems
RTL Payment Systems
ScanSource, Inc.
Sicom Systems, Inc.
Slim CD
Tempus Technologies
Tender Retail Systems
The Software Mills
Tomax Corporation
Total Computing Solutions
TouchNet Information Systems
XProtean, Inc. (C-Payment Software)
XPient Solutions
Vista Entertainment Systems

911 Software, Inc.
Data Business Systems
Datacap Systems, Inc.
Main Street Softworks
Menusoft Systems Corp.
Micros Systems
Midnite Express, Inc.
/n Software Inc.
Radiant Systems
Revel Systems
Sicom Systems, Inc.
Squirrel Systems
Tempus Technologies
XPient Solutions
XProtean, Inc. (C-Payment Software)
Elavon (previously Southern DataComm and Global Card Services)

Dresser Wayne
Fuel Links
Fiscal Systems, Inc.
LOC Software
Main Street Softworks
Petro RX
Radiant Systems
VeriFone Ruby System

Datacap Systems
LOC Software

911 Software, Inc.
Hotel Software Systems
Slim CD
Tempus Technologies

Government organizations face a growing need for secure payment processing services while managing highly specific needs for content management and security. 

We can work with popular technology products government agencies prefer, like Ciber and Cubic, to create an integrated solution that meets all your needs for processing payments, managing information, and more.

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How Can A Merchant Account Provider Help Me?

There are many ways in which finding the right merchant account provider can be absolutely critical when it comes to helping you reduce your overall risk. 

First and foremost, a good merchant provider will work with you directly to understand your company and your needs. There is no one-size-fits-all approach, and any merchant provider who is worth the amount of money you will be paying for them understands this. As such, they will work with you and your team to develop customized solutions that integrate your accounting systems, payment methods, and more. Anyone who tries to sell you a package that goes beyond your needs is obviously trying to waste your money. 

A merchant account provider will also have developed ways to reduce fraud and confirm a customer’s identity. Indeed, any merchant account provider will have worked with an array of payment providers and online payment systems, like Stripe and PayPal. Your merchant account provider should have years of experience in the high-risk field and have developed the right tools to protect your customers and your financial operations. Developing robust security protocols and data protection will have to protect your business model and credibility with your customers. 

Merchant providers that have worked with high-risk accounts will also be able to provide you with chargeback protection. These are added services that are geared to work exclusively with company’s that deal extensively with chargebacks. Thankfully, if a company has developed a chargeback protection plan, it will be able to ensure that your business is minimally charged for chargebacks that it incurs. Furthermore, a merchant account provider should be able to work with existing plans that have been created by certain payment processors. For example, Stripe recently unveiled their own chargeback protection plan, and a merchant account provider should be able to help your business take advantage of these services. 

Finally, a good service provider should also be able to review your business operations and help you develop customized and scalable solutions. Your business, like every other one, can’t afford to waste a dime. This means that you will need to review the potential options at your disposal and develop a plan that is customized to fit your needs. You shouldn’t waste a dime buying services that will not actually benefit you financially. All services that you pay for should be customized to fit your needs.

Accept Payments

Integrate with everything. Scale with confidence.


Cryptocurrency Payments

Virtual Terminals

Payment Gateways

Wire Transfers

Zero Cost Processing

Accept Checks Online

Retail POS

Online ACH Payments

Telephone Orders

Text Message Payments

EBT & SNAP Payments

Digital Wallets

Send Invoices

Recurring Payments

ATM Machines

Self Service Payments

Accept Mobile Payments


What Else Should I Look For?

Merchant account companies can make all the difference in the world when it comes to providing you with high-quality financial services. That being said, the job of a merchant account company cannot be to simply process payments – it has to do more. 

First, a full-service merchant account company has to be able to help you manage all of your payment options. For a private airline merchant account, this is absolutely critical. Charter jet merchant accounts take money in a variety of ways, including checks, in person, online, or over the phone. As such, if a merchant account company isn’t capable of providing your business with the flexibility it needs, it’s not doing its job. Before making any final agreements, make sure that your merchant account company can handle these issues. 

Second, a merchant account company has to be able to provide you with the physical and digital products you need to process payments? This includes the following:

  • All necessary point of sale equipment, including the physical machines that will process payments. Furthermore, they should be able to provide you with customer support, training, and assistance in learning how to integrate your new equipment with your existing account and point of sale equipment.
  • Surcharge support and reduction. As you know, your business is charged a small fee whenever credit card payments are made. How is your merchant account company able to work with you to keep these charges low and reduce unnecessary fees? What programs do they have available to do just that? Furthermore, though rare, charter jet merchant accounts do sometimes deal with cash payments. Is your merchant account company able to provide you with a discount when this occurs? 
  • ACH and check processing. A merchant account company has to be capable of processing all forms of payments, including credit cards, checks, and eChecks. Make sure that your company can do just that before making any final purchase. 
  • Gift cards or loyalty programs. Some jet charter merchant accounts do offer gift cards or loyalty programs. Is yours one of them? If so, make sure that your merchant account provider can support these operations.

Last, a merchant account provider must provide you with additional services on an as-needed basis. Private airlines often have extensive capital needs as they expand their flights and look to purchase new plans and equipment. Can your merchant account provider assist you in acquiring financing for these needs? Can they help you automate the payment process for when you are repaying loans? When you need cash, how quickly can they get it into your account? Do they give you discounts or reduce fees on ATM use? What other merchant services can they provide? 

At the end of the day, you need a financial services provider who can handle a variety of important tasks, has experience in dealing with high-risk merchant accounts, and understands the specific hurdles that your industry faces. If you have questions on what this means or are looking for more information, contact BankCard today, and learn how we can help your business grow.

FAQs: Table of Contents

Accepted Industries and Countries​

The industries we accept for high risk merchant accounts include, but are not limited to the below industries.

  • Adult merchant account
  • Bad credit
  • CBD
  • Credit Repair
  • MLM
  • Nutraceuticals
  • Payday loans
  • Private airlines
  • Subscriptions
  • Travel
  • Vape & eCig
  • Illegal business activity
  • Businesses without the proper license
  • Illegal drugs (CBD with less than 0.30% THC is acceptable)

Zenti can provide merchant accounts to customers in the below countries. Kindly note that many payment solutions are regulated based on location.

  • Andorra
  • Austria
  • Bear Island 
  • Belgium
  • Bulgaria
  • Canada
  • Channel Island
  • Croatia
  • Cyprus
  • Czech Republic
  • Denmark
  • Estonia
  • Faroe Islands
  • Finland
  • France
  • Gibraltar
  • Greece
  • Greenland
  • Hungry
  • Iceland
  • Ireland
  • Isle of Man
  • Israel
  • Italy
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Malta
  • Monaco
  • Germany
  • Netherlands
  • Norway
  • Portugal
  • Romania
  • San Marino
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • Switzerland
  • Turkey
  • United Kingdom
  • United States
  • Vatican City

Being a start-up business will not hinder a business from getting approved for a merchant account. While having a processing history helps your likelihood of getting approved,  the lack of processing will not necessarily stop you from getting an approval. Consult an experienced Account Executive today to learn more. 

There are never guarantees when it comes to the approval of a merchant account. However, we do work with merchants that have low credit scores. Reach out to an Account Executive today for a consultation. 

If you’re a United States citizen applying for a merchant account for a United States registered business, a social security number is required. 

A merchant account can be labeled high risk for many reasons. You can be labeled as such due to high average tickets, being in an industry that historically has high chargebacks, or an industry that tier one banks do not support.

Applying for a merchant account

To apply for a high-risk merchant account, you need to complete our pre-qualification form and upload all required documentation. Once the pre-qualification is complete your Account Executive will locate the best placement for your account, and send you a final agreement. Once that final agreement is signed, underwriting will complete a full package review for approval. 

There is no fee to apply for a merchant services account with Zenti. However, If you get approved with us there may be a small setup fee for your gateway account.

Square, Stripe, and Paypal are all payment facilitators and do not accept high-risk merchant accounts. Signing up with Zenti gives you a direct merchant relationship with a sponsor bank. The approval process requires more documentation, but you’re at a significantly lower risk of getting terminated.

This depends upon how quickly you, the merchant, completes our pre-qualification form. Once we have all of your documentation, we get to work. We can typically locate placement for your merchant services account in 48 hours.  

Once you get an approval, you’ll be able to accept credit card payments within 24 business hours. 

Depending upon the program, you will receive your funds anywhere from 24 to 72 hours after the batch is settled. 

The industry type is a major determining factor when it comes to risk levels of merchant services. But, other factors such as credit, card-present vs not present, and chargeback ratios can also push an account into the high-risk category as well. 

Completing the Application

Your legal business name should match the business name on the state business registration or licensure. However, if you are a sole proprietor, your name would be the legal business name. 

If you’re not sure how much processing you’ll do, we recommend applying for $5,000 to $10,000 monthly. You don’t need to hit that number each month, but if you’re close to going over, reach out to your Account Executive for assistance. 

Your average transaction amount should be the average of all transactions you would accept with your merchant account. Your maximum transaction should be the anticipated maximum amount accepted in one transaction. If you attempt to process a transaction that is higher than the maximum amount provided, additional proof of purchase may be requested. 

You may provide personal bank statements in lieu of bank statements if your business bank account is new or does not have any activity. 

If you’re applying for a merchant account for ecommerce processing you will need a fully functional website with products or services listed with associated pricing. 

Yes, a credit check is required in order to obtain a high-risk merchant account. Once a final agreement is signed, a hard credit pull is done.  Credit scores are taken into consideration when underwriting reviews a full application for merchant services. 

If you’re a United States citizen applying for a merchant account for a business registered in the United States, your social security number will be required to apply. 


The first step to applying for a high-risk merchant account is completing the pre-qualification form. Three months bank statements, three months processing statements (if applicable), a voided check or bank letter, and driver’s license or passport will be required to apply. 

If your business does not utilize checks, we can accept a bank letter that includes your full account and routing number as well as the business or account holder’s name. The letter should be on bank letterhead, be dated within the last 30 days, and be signed by a bank representative. 

If you don’t have three months of business bank statements, don’t fret. We can accept three months’ personal bank statements from a business owner, or director. 

Bank statements show a lot about a prospective merchant, namely, processing activity, and the average monthly ending balance. If a merchant is currently processing, we want to know why they’re switching, if we know a merchant’s pain points we can find better solutions for their needs. The average monthly ending balance is also relevant to show financial stability within the business as well as validating the monthly volume requested.

If a merchant is currently processing credit card payments and successfully managing a merchant account this can increase the likelihood of getting approved. Some payment facilitators such as Paypal, Stripe, and Square might not supply monthly processing statements. Underwriting may request login credentials so they can get an overview of the processing activities. 

Equipment and Gateways

For in-person retail card acceptance, Zenti can provide equipment that will arrive programmed and ready to accept payments. Discuss your equipment options with your experienced Account Executive.

Here at Zenti, we do offer our own gateway solution that’s exclusive to merchants that sign up with us. Of course, if there’s a gateway you prefer we are willing to work with you as long as integration is possible. Please reach out to your dedicated Account Executive for details. 

Zenti integrates with NMI,, and more. For specific gateway integration questions reach out to an experienced Account Executive. 

Your merchant account will be set up to accept Mastercard, Visa, American Express, Discover, and ATM cards. 

Load balancing is the strategy of spreading transactions over more than one MID. It’s not necessary for all high-risk accounts, but can be considered as a way to manage chargeback ratios with high-risk merchants. 

Existing Merchant Accounts

Not to worry, this number can be increased as needed. However, the bank underwriting your merchant account needs to be aware of the expected monthly volume to ensure they have capacity available for all merchants processing with that bank. 

If you go over by a small amount you might be asked for a copy of the invoice or receipt. However, if you go over the monthly limit by a large amount there is a chance your excess funds might be held temporarily. 

When it comes to high-risk accounts, banks ideally want chargeback ratios below the 3% threshold. If you can provide long term processing history the bank may take this into consideration. Lower chargeback ratios are ideal. Consult your knowledgeable Account Executive for assistance in lowering your chargeback ratio. 

Rolling reserves are a way to financially protect the processing bank from potential losses from chargebacks or refunds. Not all high-risk merchant accounts require a rolling reserve. The risk department will determine if and when a rolling reserve is required. 

Interchange fees refer to the issuing credit card brand fees such as Mastercard, Visa, Discover, and American express. These fees vary depending on the card type, American Express tends to be the most expensive card to process. Interchange rates can range from 1% to 2.5%. 

Of course! Once you’ve established a healthy processing history, you may reach out to your Account Executive for a rate review. We recommend only doing this if your processing history shows low chargeback ratios and relatively low refund activity. 

You may request an increase in your monthly volume at any time. However, it’s recommended to wait until your merchant account reflects healthy processing history as well as financial stability from your bank statements. 

Reach out to our support team, or your dedicated Account Executive for any account-related updates you may need. 

Depending on the program your merchant account fees are either taken at the beginning of each month. Some programs require daily discounts. Program details will be notated on your final agreement and if you have further questions you can always consult your Account Executive. 

ACH payments

Zenti can assist with ACH or eCheck services. An application and approval process still applies to this service, or it can be an added service with your processing account. Reach out to your Account Executive for details. 

The approval process requires less documentation than applying for a merchant services account. And if you’re already processing with Zenti an approval can be expedited. 

Every account is different, however, most programs allow next-day settlements for ACH transactions. 

ACH payment acceptance can be integrated into most website platforms. Reach out to a dedicated Account Executive for more information. 

Pricing and Approval

High-risk merchant accounts are priced higher than low-risk accounts because fewer banks are willing to work with businesses labeled “high risk”. Banks also need additional financial protections from loss on these accounts.  

Zenti will always provide fair pricing based on the risk level of every merchant. And if a current processing statement is provided we’ll do everything in our power to beat the merchant’s current rates. 

While we love working with merchants that are considered high risk. There are limitations put in place by bank and card brand rules. If a merchant does not abide by the specific program rules described by the Account Executive assisting them we cannot ensure an approval.

Think of merchant accounts as a loan or a line of credit. And processing banks take on the risk of transactions getting charged back. Banks can end up liable for the actions of merchants, a problematic merchant can damage the reputation of the bank funding and processing the transactions. 

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