Payment processing is integral to the success of your business because it allows you to process credit card payments for purchases done in your physical store and online. But if you’re a high-risk merchant, you know that finding the right high-risk merchant account provider can be a tedious process. So, we rounded up five of the best providers in the market today:

First Card Payments

If there’s a high risk merchant account provider that has all you need and more to process online payments successfully, it has to be First Card Payments.

Known for its reliability and good customer service, this payment provider offers tailor-made solutions for every business. It has also built strong partnerships with some of the best banks and financial institutions in the country adding to its credibility.


Another smart solution for processing payments online, PaymentCloud offers the flexibility of being easily integrated into some of the top shopping carts and platforms in the market today including Shopify, WooCommerce, WordPress, Magento, and OpenCart. This payment processing provider also accepts all types of transactions, which makes it ideal for businesses with both physical and online platforms.


Designed specifically for online and recurring payments, Inovio has its own virtual point-of-sale (POS) system, and it can also be integrated easily into different platforms to create one cohesive management system for your business. So, if you’re looking for a payment processing partner that fits your e-commerce business, Inovio is a good choice.

The only downside is that it doesn’t have an option for in-person payment processing, so you might need to switch to another provider if you open a physical store in the future.

Easy Pay Direct

If you’re focused solely on your e-commerce business and you need a reliable payment processing provider that can easily integrate into your existing system, Easy Pay Direct could be the perfect option for you.

This provider is capable of integrating more than 250 shopping carts including WordPress, OpenCart, Magento, Shopify, and Weebly. Aside from handling online and recurring payments, you also have the option to add in-person payments in the future if you want to extend your e-commerce business to a physical location.

National Processing

Rounding up this list is considered the best payment processing provider if you want to offer ACH payments and cash discounts. National Processing offers different pricing tiers depending on the type of industry that you’re in and the type of service that you offer.

It also handles online, in-person, and recurring payment transactions, and it can be easily integrated into popular platforms like WordPress, WooCommerce, QuickBooks, Zendesk, and Shopify.

In the end, having the right payment processing provider will help you maintain consistency in your payment transactions, keep your customers satisfied and give room for your business to grow in the future.

Check out these five best high-risk merchant account providers that we recommend and see what plan fits your needs most.

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