Scale Your High-Risk Business With Confidence

SeamlessChex Merchant Services is here to offer a scalable, white-glove solution. Unlock the potential of online payments, regardless of your industry.
  • Same Day Funding
  • Simple Online Application
  • Dedicated Account Manager
  • Competitive Rates
  • 24/7 Customer Support
  • 99% Approval Rate
  • Direct Access to Risk

Get Started

Start accepting credit card and ACH payments today
No contracts or hidden fees
Get Started
Get Started
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Why SeamlessChex is Your Trusted Partner

Industry & Payment Expertise

Our founders have more than 30 years of experience in the payment processing industry, providing secure payment solutions for high-risk merchants.

Exclusive Business Relationships

Leverage our extensive network of over 25 banks to unlock unparalleled flexibility, heightened security, and a plethora of payment choices for our valued merchants.

Higher Transaction Approval Rates

Seize every sales opportunity without the hindrance of unnecessary declines or low transaction approval rates, ensuring you never miss out on potential customers.

  • & much more...

Am I considered High Risk?

The question "Am I considered high risk?" is relevant in payment processing, with factors like poor credit, high chargeback rates, high refund rates, free trial offers, and subscription billing contributing to this classification.

At SeamlessChex, we specialize in high-risk merchant accounts. Our expertise lies in comprehensively understanding your business and optimizing your account for growth. This allows for businesses in challenging industries to effectively navigate payment processing challenges.

Elevated Fraud and Chargeback Rates

These issues pose financial risks and challenges in maintaining a stable merchant account. Such businesses often require specialized solutions due to difficulties in securing traditional merchant accounts.

High Refund Rates

High refund rates indicate frequent customer dissatisfaction or issues, leading to heightened risk for payment processors. Businesses facing this challenge often require a high-risk merchant account to manage the increased risk effectively.

Free Trial Offerings

Businesses offering free trials often face higher refund rates due to customers trying out the service or product with no initial financial commitment. High-risk merchant accounts accommodate this by providing flexible payment solutions tailored to trial periods, mitigating the associated risks and ensuring smooth transaction processing.

Subscription and Recurring Billing

Subscription-based businesses encounter a higher risk of chargebacks and customer disputes, especially with recurring billing cycles. High-risk merchant accounts offer specialized services to manage subscription payments, including advanced fraud detection and chargeback prevention measures, helping businesses maintain steady revenue streams despite the inherent risks.

Poor Credit

Businesses with poor credit history may struggle to obtain traditional merchant accounts, but high-risk merchant accounts cater to their needs by offering accessible payment processing solutions. These accounts provide opportunities for businesses to rebuild their financial standing while still being able to accept payments securely, supporting their growth and stability over time.

Additional Risk Factors

Some businesses operate in industries or regions prone to higher levels of risk, such as adult entertainment, online gaming, or international markets. High-risk merchant accounts are designed to accommodate these additional risk factors by providing specialized risk management tools, compliance support, and tailored payment solutions to navigate the unique challenges and complexities associated with these businesses.

Common High Risk Industries

Explore our specialized high-risk merchant account solutions designed for businesses susceptible to fraud or chargebacks. SeamlessChex, a leading high-risk merchant account provider, delivers industry-specific strategies to assist businesses tackling hurdles related to their internal track record or industry classification.

Choose SeamlessChex for a wide array of merchant services tailored to businesses in various industries, backed by our extensive expertise in nationwide high-risk volume processing. Benefit from our extensive network comprising 15+ direct bank and processor connections, ensuring you find the perfect long-term home for your merchant account.

Chargeback Dispute & Fraud Prevention

At SeamlessChex, we go the extra mile to safeguard your business from chargeback and fraud risks. Here's how our comprehensive services set us apart:
Tailored Payment Gateway

Experience a customized payment gateway solution designed exclusively for your business needs. Our tailored approach ensures seamless transactions, and a scalable account enhancing your overall payment processing efficiency.

Chargeback Management & RDR

Take control of chargebacks with our robust management system and Rapid Dispute Resolution (RDR). We empower you to efficiently handle and prevent disputes, safeguarding your business from potential revenue loss.

Advanced Security Features

Your business deserves top-notch security. Benefit from our advanced security features that go beyond industry standards. Protect sensitive data and transactions with cutting-edge measures, ensuring a secure payment environment for both you and your customers.

Coaching for Prevention

Stay one step ahead with our coaching for prevention. Receive guidance and insights on best practices to proactively prevent payment issues and fraud. Empower your team with the knowledge needed to minimize risks and optimize your payment processes.

Why High-Risk Payment Processing Matters

Scale Without Disruptions

While popular processors like Stripe, Paypal, and Shopify Payments boast quick 5-minute approvals, a major drawback arises when scaling. Their machine learning might mistakenly flag growing businesses for fraud, resulting in held funds without accessible support.

Direct Access to Risk

We invest the time to individually underwrite merchants, considering their specific business type, monthly volume, transaction size, and growth trends. This meticulous process ensures a secure foundation as your business expands, preventing any unexpected disruptions.

Dedicated Account Manager

We assign each merchant to a committed account manager, ensuring that merchants have a reliable point of contact at all times. This guarantees assistance whenever needed, providing a seamless experience while managing your account.

Don't Let High-Risk be a Barrier, Make it an Advantage

Join SeamlessChex and turn high-risk into a competitive advantage. Your business deserves a partner that understands the intricacies of your industry.

Get Started

Start accepting credit card and ACH payments today
No contracts or hidden fees
Get Started
Get Started
Thank you for signing up with SeamlessMerchant.
Please check your email for the link we sent to activate your account.
Please check your SPAM folder if you do not see our activation email. In some cases, the email does not make it directly into your inbox.
Oops! Something went wrong while submitting the form.