Tech Support Payment Processing

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CEO of Musty Inc.
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Every business must be able to access reliable and affordable payment processing. Credit cards and online payment gateways are ubiquitous in business these days. Customers expect any professional business to take a payment in the form that is most convenient to them. 
Tech support companies are no different. No tech support business—particularly one that is an Internet- or mobile-based—takes only cash or checksIf you operate a tech support business, this means that you need to avail yourself of merchant processing. This is even more the case if you have a “high-volume” business. Merchant account services can be expensive, and your business will certainly look to keep your costs as low as possible. Some business owners, such as like tech support businesses, have different financial processing needs. These needs require special attention or expertise from a merchant account service provider. It may result in higher fees for a vendor.
Accessing these services can result in serious challenges for certain types of businesses. Tech support and high-volume merchants will both often fall into a “high-risk” category. This can make it difficult—if not impossible—for them to get affordable merchant processing servicesThere are usually programs that are specifically geared for both of these types of merchants. A regular merchant account service will likely not be able to meet your needs. This means you will have to look very closely to find an appropriate vendor that can handle your financial services.


Zenti has many options and programs that can help your high-volume tech support business process credit cards.
Tech Support, Tech Scams, and High-Volume Accounts 
An unfortunate reality of the tech support world is that too many banks and merchant processors believe that tech support means tech scams. This is certainly not the case for the vast majority of businesses. Unfortunately, there is a proliferation of tech support scams. These scams create significant negative impressions and help to push legitimate tech support into high-risk categories. As a tech support business that is seeking to provide perfectly legitimate businesses services, you may be forced to provide additional proof of the reputable nature of your business. This may result in added costs and administrative burdens for your operation. 
Furthermore, tech support businesses are often high-volume accounts. high-volume merchant account is a merchant account that has a higher-than-normal number of transactions. There is no set definition for what will push a vendor into the high-volume territory. Each vendor typically has its own definition. Definitions may also change. Factors that will alter these definitions include industry, risk category, and agreements with vendors.
Why Does High-Volume Mean High-Risk?
High risk is generally defined as a business that has a higher-than-average number of chargebacks or transactions in general. A chargeback is one of the worst things that can happen to a business that processors credit cards. It can result in a business being a higher risk for a merchant account vendor. A business becomes a high risk when a customer seeks a “return” on a charge. This means that a customer disputes that they made a purchase. It may also happen when fraud is involved. Numerous fraudulent transactions may indicate that a company has inadequate security measures. It may also mean that your industry is particularly susceptible to fraud. 
A vendor is more likely to earn a high-risk classification if that vendor has a high chargeback ratio. This will dramatically increase the overall cost of credit card processing.
There are some instances that make fraud more likely. Having high volume is one such example. More charges simply mean more opportunities for fraud. A merchant account service will place a volume cap on a vendor in order to protect its business against fraud. If a business is a high volume of transactions, it may regularly exceed this cap. Keep in mind that this cap can be for the number of transactions or total transaction level.
Why Else Are Tech Support Businesses Considered High-Risk?
Some businesses are more likely to earn a high-risk merchant accounts classification. In many cases, this includes tech support businesses. This is the case for many reasons, such as:
  • Card-not-present transactions: This is a transaction that occurs when a credit card isn’t physically present. These are commonplace in the tech support business. This is because many of the transactions occur over the phone or Internet. This increases the risk of fraud.
  • Extended warranties: Many tech support businesses sell extended warranties. Extended warranty packages often lead to an increase in fraud.
  • Offshore businesses: Offshore businesses may not have the same consumer protections as those within the United States. This means that a business is more likely to engage in fraudulent practices.
  • Foreign currency: Many uses of a foreign currency or offshore accounts are perfectly legitimate, but many scammers use foreign currency or offshore accounts to cover their tracks.
  • Subscription models: Subscription models tend to result in a high number of chargebacks. This is because people will often sign up for subscriptions and request a refund after they get charged. They may also set a subscription for a credit card that expires.
  • Scammers: There are many scammers within the tech support industry. This means that there are people who pretend to be tech support. They then fraudulently charge a person or business for services they never provide. Tech support services are also often a ruse for ransomware services. This has a negative impact on the tech support industry as a whole. This reputational damage often results in a high-risk classification for the tech support industry.
High-risk vendors are still able to access merchant account solutions. The issue is that these solutions must be specifically tailored to high-risk businesses. Fortunately, Zenti offers these solutions to businesses that need them.
What Does A High-Risk Classification Mean?
Being classified as a high-risk business can have a negative impact on your bottom line. It can lead to many other challenging financial consequences for your business. High-risk businesses may have to face some or all of the following consequences:
  • Higher payment processing fees. Most businesses will face a small per-transaction flat-fee with their credit card processing. They are also likely to incur a percentage fee for each transaction. This fee is normally low, usually around 0.3% per charge. For high-risk accounts, the fee could run as high as 1.5%.
  • Higher chargeback fees. One of the main reasons that chargebacks are so expensive for vendors is because the payment processor will levy a fee against the vendor. For high-risk merchants, these fees may be higher than normal.
  • Higher reserve requirements. Payment processors will often hold onto a certain amount of payments received. A process will do this to hedge against refunds, chargebacks, or other costs. Being classified as high-risk means that a merchant account processor considers a business to be less reliableIn order to protect against these issues, a vendor will hand it onto a higher reserve.
  • Longer application processes. Companies that are high risk and apply for merchant account services can expect to incur a longer application process. They may have to turn over additional documents. This includes including bank statements, credit history, processing history, and more. This process is more labor-intensive and time-consuming.
Merchant account vendors are far more likely to classify some businesses as high risk. These include CBD and vape businesses, cigarettes, adult services, and more. Businesses that are often considered to be scams are also very likely to earn a high-risk classification.
This isn’t an all-inclusive list, but it is some one of the biggest problems that a high-risk business can face. This is why high-risk, high-volume businesses should do everything they can in order to limit their risk.
What Can I Do To Minimize Your Risk?
There are many things that your tech support business can do in order to minimize its risk and avoid a high-risk labelAll of these items won’t guarantee that a business becomes classified as low-risk. It can certainly increase the chances of this happening.
  • Work with your vendor: Merchant account services are usually willing to engage in a conversation about ways to reduce risk. They can often share insights and methods that can be acted upon to reduce risk.
  • Purchase protective services: Some vendors will offer a variety of services, such as chargeback or fraud protection. By purchasing these services, you may reduce your risk and avoid a high-risk classification. 
  • Increase transparency with customers: When customers are confused about the nature of charges, they are more likely to seek a refund. This may occur when a business is unclear about the nature of the purchases they are making. By being clear with customers about what they are being charged for—and when they are being charged—businesses can reduce chargebacks. They can also enhance their own reputations with customers. This will ultimately improve their bottom lines.

What Should My Tech Support Business Look For in a Merchant Account Provider?

There are many things you should look for if you’re interested in taking advantage of a high-risk merchant account provider.


High-Risk Payment Gateway & eCommerce Solutions

Most important is a high-risk payment gateway. This means connecting with a program that can approve or deny a credit card transaction. It also means finding a gateway that can quickly and safely move money from a credit card into your account. As a high-risk vendor, you may have some unique challenges. These include high volume of transactions and chargebacks. This means that you need a vendor that has ample experience in this area. This vendor must be capable of keeping chargebacks and fees to a minimum.

In some cases, credit card processing is not enough. You will also need merchant services that allow for debit card processing. This can further expand and diversify your overall financial options.

Your payment provider must have eCommerce solutions. This means that it must run credit card payments over the Internet or over the phone. These payments must be done in a secure and easy manner. They must also smoothly integrate with your website and already existing accounting software. In some cases, your business may need a custom software solution. This means that you may need a company with expert programming capability. They should be able to create a new program upon request. This program must be able to smoothly be used on your website.
As a high-volume tech support business, you’ll need a solution that allows you to operate with a very high-volume cap, or no cap at all. In your line of work, reaching a maximum of transactions for a month simply isn’t an option. You must make sure that you speak with any potential merchant account provider about their account limits. You should also find out if these limits are negotiable. It is also important that you find out what fees you are likely to be charged.,
Depending on your specific customer base or line of work, your business may also need additional offerings. Cryptocurrency is a great example. An increasing number of businesses are removing to accept crypto payments. This means that your business needs an entire new gateway and processing method. Cryptocurrency also requires real expertise and experience.
Another consideration is the processing of checks or echecks. These payment solutions are not often used. It is still worth examining whether or not the service provider you are considering using has these offerings. If they do, what is the pricing? Will they charge you extra for these services, or do they come as part of a total package?

Transparency & Customer Service

Transparency is key with any credit card processor. This transparency goes two ways. You should know exactly how much you’ll get charged. You should also understand what other fees you risk incurring, as well as when you’ll incur those fees.
Your merchant should also help ensure that you’re properly communicating your charges to your customersThis means that they need to be equipped to help you ensure transparency among your customer baseThere are basics they should manage, such as ensuring an accurate description on a credit card statementThey should also be able to give you advice on how to ensure your customers fully understand their charges and fees. This is particularly important for tech support services. Customers frequently don’t understand what services they are paying for or when they will pay them. This can lead to bad feelings, accusations of malfeasance, and chargebacks. 
There is a slew of online payment merchants that are commonly used for payments. This includes vendors like PayPal, Stripe, and Venmo. Any merchant account provider should provide you with access to these vendors. They should also be able to do so at competitive rates. Working with a merchant account provider here is absolutely critical. Many of these firms simply refuse to do business with a high-risk vendor.
You should also inquire about customer support options and availability. Does the merchant account service you are looking at hiring provide you with 24/7/365 customer support? If you have a technological emergency or a data breach, what is their response? Do they have plans in place to assist with this situation?
Some tech support organizations may find it easier to deal directly with ACH payments, and these payments make life much easier for many businesses. This is particularly the case for those that deal directly with another business. These types of payments are usually not necessary for tech support that deals directly with customers. ACH payments require a variety of set-up, but it comes with extensive benefits. A merchant account provider can batch payments, thus reducing fees. A business can work directly with a bank, as opposed to a credit card business. This can make dealing with transactions significantly easier. ACH payments are also typically high-security ones. This ensures the protection of your financial information, and the information of your customers.
You’ll also want to ensure that you use a merchant account provider who can integrate with your already existing services. This integration must happen with both your financial tools and website. It should minimize work and ensure that your accounting is as easy to track as possible. If you’re located in the United States, you’ll also want to ensure that your merchant account provider can separate your sales tax payments.
Zenti is proud of the variety of services it can offer your business. We’ve worked with a slew of high-risk businesses in the past. As such, we have years of experience in helping these businesses gain access to critical merchant account services. If you’re interested in learning more about our services, reach out today. We’re here to help your business succeed.


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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authorize net high risk merchant account payment gateway
salesforce ecommerce high risk merchant account payment gateway
bigcommerce high risk merchant account payment gateway
3dcard high risk merchant account payment gateway
apple pay high risk merchant account payment gateway
paypal high risk merchant account payment gateway
square online store high risk merchant account payment gateway
oracle netsuite high risk merchant account payment gateway
shopify pro high risk merchant account payment gateway integration
skrill high risk merchant account payment gateway
mailchimp-stores high risk merchant account payment gateway
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revel high risk merchant account payment gateway
worldpay high risk merchant account payment gateway
quickbooks high risk merchant account payment gateway
samcart high risk merchant account payment gateway
godaddy-online-store high risk merchant account payment gateway
constant-contact high risk merchant account payment gateway
fastspring high risk merchant account payment gateway
vendasta high risk merchant account payment gateway
pinnacle-cart high risk merchant account payment gateway
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We partnered with Zenti in 2017 and they've been there for us every time. Everything is super fast and I love how well they communicate with our staff. They really know their stuff, and we work in a very complex industry! My account executive knows our business inside and out.

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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.