UniFlo High Risk

How does it work

We partner directly with banks specialising in numerous high-risk industries, all in the effort to secure legitimate approvals and processing solutions for your high-risk merchant account. We offer the kind of value and personalised service your business needs to get off the ground and grow.

integration client
Integrated Payment Gateway

Our online payment gateway is an independent platform, providing safe and secure payment processing. Our Certified cloud payment platform allows consumers to pay merchants securely for goods and services online, mobile and over the telephone

24-hours (1) client
24/7 Customer Support

We always put our customer first. We do this by making sure our knowledge of the industry is always up to date so that we can provide the best advice. We love the satisfaction we feel every day by helping you! Having the answers to tough questions makes our jobs worthwhile and exciting

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high-risk merchant account.

Reduce your chargeback rate and remove the operational burden of chargebacks from your organization. This low chargeback rate means iPayTotal offers you chargeback protection that is over 10 times better than the industry average.

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Defining High Risk Merchants

Businesses can be considered “high-risk merchant” if they operate in an industry identified as high risk by the credit card processor or if there is a significant risk of financial obstacles inherent to the business model. Their criteria are usually related to the high volume of chargebacks, fraud actions, processing history and processing volume. 

UniFlo is qualified to assist a great range of businesses in obtaining a high-risk merchant account. By utilizing UniFlo to assist your high-risk merchant account, the day-to-day management of your business’s transactions will become seamless since all the requirements set out by credit card payment systems such as adherence to outlined policies, merchant agreements, merchant underwriting, risk management, and monitoring, etc., are appropriately and carefully assisted by UniFlo, giving you the peace of mind you need to carry on with business as usual.

  • Startup business with little or no credit card processing history
  • An industry tarnished by high rates of chargebacks and returns
  • The high cost (such as timeshares or airline tickets)
  • A merchant who has suffered a terminated merchant account by a bank
  • Flawed, imperfect credit, history of bankruptcy
  • High volume businesses, such as nutraceuticals
  • A country or specific region a merchant is targeting

How to know your business is high risk labeled?

You wanted a merchant account for your business and decided to apply for a traditional merchant account and later got rejected by the merchant account provider. This is a common mistake, merchants, without knowing their business might be flagged as a high risk apply for a traditional one and later suffer. There are various grounds why a processor might label a merchant as “high risk”.

You face the problem of high employee turnover.

Your credit card history is unattractive.

Your business is a startup with a very little credit card processing history.

Your company deals in big-dollar transactions.

You provide subscription based products or services.

Your company’s viability or continued profitability.

What Factors Qualify a Merchant Account as High Risk?

Merchant service providers usually determine if a business is a high or low risk by assessing the following: 

  • Personal credit history
  • Finances of the company
  • Number of years in business
  • Merchant account history, if applicable 
  • Type of business or merchant category code.

When it comes to merchant accounts and the risk you pose to payment processors, some risks make your business stand out. Any one of the following could identify your business as a greater risk.

Are You High Risk?

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