{"id":3598,"date":"2025-07-30T10:43:21","date_gmt":"2025-07-30T09:43:21","guid":{"rendered":"https:\/\/commercialexperts.com\/uk\/?p=3598"},"modified":"2026-03-11T17:26:26","modified_gmt":"2026-03-11T17:26:26","slug":"high-risk-merchant-accounts","status":"publish","type":"post","link":"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/high-risk-merchant-accounts\/","title":{"rendered":"High-Risk Merchant Accounts: Does Your Business Need One?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3598\" class=\"elementor elementor-3598\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bd30d87 e-con-full e-flex e-con e-parent\" data-id=\"7bd30d87\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4afa958b elementor-widget elementor-widget-shortcode\" data-id=\"4afa958b\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"3421\" class=\"elementor elementor-3421\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4089210 e-con-full e-flex e-con e-parent\" data-id=\"4089210\" data-element_type=\"container\" id=\"product-banner\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-c15a039 e-con-full e-flex e-con e-child\" data-id=\"c15a039\" data-element_type=\"container\" id=\"hero-container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-fdf9b32 e-con-full e-flex e-con e-child\" data-id=\"fdf9b32\" data-element_type=\"container\" id=\"hero-inner-container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b3aef3 elementor-widget elementor-widget-heading\" data-id=\"1b3aef3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Compare Quotes From Merchant Account Providers, Today.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6e6fa5e e-con-full e-flex e-con e-child\" data-id=\"6e6fa5e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-afc5fa8 elementor-widget elementor-widget-heading\" data-id=\"afc5fa8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Do you currently accept card payments?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c817a62 e-grid e-con-full e-con e-child\" data-id=\"c817a62\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f4893d elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"3f4893d\" data-element_type=\"widget\" id=\"drop-button\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Yes<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ea1099 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"4ea1099\" data-element_type=\"widget\" id=\"drop-button\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">No<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd430b8 elementor-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"bd430b8\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 1080 1080\" style=\"enable-background:new 0 0 1080 1080;\" xml:space=\"preserve\"><style type=\"text\/css\">\t.st0{display:none;fill:#FFFFFF;}\t.st1{fill:#45378A;}<\/style><g id=\"_x36_ff1e8d1-53ef-4e18-83cb-44b25912cc6c\" transform=\"matrix(1 0 0 1 540 540)\">\t<rect x=\"-540\" y=\"-540\" class=\"st0\" width=\"1080\" height=\"1080\"><\/rect><\/g><g id=\"bbbfeb99-66a1-4030-bfad-d841f1614ce3\" transform=\"matrix(1 0 0 1 540 540)\"><\/g><g transform=\"matrix(2.11 0 0 2.11 540 540)\">\t<g>\t\t<g transform=\"matrix(1 0 0 1 -4.05 -238.64)\">\t\t\t<path class=\"st1\" d=\"M-43.4-17.4h86.8c4.8,0,8.7,3.9,8.7,8.7V8.7c0,4.8-3.9,8.7-8.7,8.7    h-86.8c-4.8,0-8.7-3.9-8.7-8.7V-8.7C-52.1-13.5-48.2-17.4-43.4-17.4z\"><\/path>\t\t<\/g>\t\t<g transform=\"matrix(1 0 0 1 -4.05 25.64)\">\t\t\t<path class=\"st1\" d=\"M0,230.4c84.6,0,161.5-49.1,197-125.9c35.5-76.8,23.1-167.2-31.8-231.6    l17.1-17.1l-24.6-24.6l-17.1,17.1c-34.7-29.6-77.8-47.5-123.3-51v-27.6h-34.7v27.6c-116.1,9.3-204.1,108.6-199.4,224.9    C-212.1,138.5-116.4,230.4,0,230.4z M-135.3-121.1c0.1-0.1,0.2-0.3,0.3-0.4s0.3-0.2,0.4-0.3c74.4-74.2,194.7-74.2,269.1,0    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v-25.6c0-4.8,3.9-8.7,8.7-8.7s8.7,3.9,8.7,8.7v25.6c39.9-2,78-17.7,107.6-44.6l-18.1-18.1c-3.3-3.4-3.2-8.8,0.1-12.2    c3.3-3.3,8.8-3.4,12.2-0.1l18.1,18.1c26.9-29.6,42.6-67.6,44.6-107.6h-25.6c-4.8,0-8.7-3.9-8.7-8.7s3.9-8.7,8.7-8.7h25.6    c-2-39.9-17.7-78-44.6-107.6L110.4-98c-2.2,2.3-5.4,3.2-8.4,2.4c-3-0.8-5.4-3.2-6.2-6.2c-0.8-3,0.1-6.3,2.4-8.4l18.1-18.1    c-65.9-60.1-166.6-60.1-232.5,0l18.1,18.1c2.3,2.2,3.2,5.4,2.4,8.4c-0.8,3-3.2,5.4-6.2,6.2c-3,0.8-6.3-0.1-8.4-2.4l-18.1-18.1    c-26.9,29.6-42.6,67.6-44.6,107.6h25.6C-142.7-8.5-138.8-4.6-138.8,0.2z M-8.7-33.3v-114c0-4.8,3.9-8.7,8.7-8.7s8.7,3.9,8.7,8.7    v114c16.9,4.4,28,20.6,25.8,38S17.5,35.1,0,35.1s-32.2-13-34.4-30.3C-36.6-12.6-25.6-28.9-8.7-33.3z\"><\/path>\t\t<\/g>\t<\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">It only takes a minute.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b626d22 e-flex e-con-boxed e-con e-parent\" data-id=\"b626d22\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32a594cd elementor-widget elementor-widget-shortcode\" data-id=\"32a594cd\" data-element_type=\"widget\" id=\"breadcrumb-post\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c851b6f elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-shortcode\" data-id=\"1c851b6f\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"7091\" class=\"elementor elementor-7091\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-719a216e e-flex e-con-boxed e-con e-parent\" data-id=\"719a216e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b4e295d elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"6b4e295d\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">High-Risk Merchant Accounts: Does Your Business Need One?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10dc169d elementor-hidden-mobile title-article elementor-widget elementor-widget-heading\" data-id=\"10dc169d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">High-risk merchant accounts can affect the fees you pay to take card payments. Here\u2019s how they could affect your business.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7ee93297 e-flex e-con-boxed e-con e-parent\" data-id=\"7ee93297\" data-element_type=\"container\" id=\"art-fullcon\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2ad6e1f e-con-full e-flex e-con e-child\" data-id=\"2ad6e1f\" data-element_type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:110,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e84c34 elementor-widget elementor-widget-shortcode\" data-id=\"4e84c34\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"5000\" class=\"elementor elementor-5000\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fedf17f e-flex e-con-boxed e-con e-parent\" data-id=\"fedf17f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d70d77d elementor-widget elementor-widget-shortcode\" data-id=\"d70d77d\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"8575\" class=\"elementor elementor-8575\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97fb6a2 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"97fb6a2\" data-element_type=\"container\" id=\"on-this-page\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3cd958e elementor-widget elementor-widget-heading\" data-id=\"3cd958e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">On This Page<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a21a3f elementor-hidden-desktop elementor-hidden-tablet e-con-full e-flex e-con e-parent\" data-id=\"2a21a3f\" data-element_type=\"container\" id=\"on-this-page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-252e905 elementor-widget elementor-widget-heading\" data-id=\"252e905\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">On This Page<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-74e8604b e-con-full elementor-hidden-mobile elementor-hidden-tablet e-flex e-con e-child\" data-id=\"74e8604b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e2fb64c elementor-widget elementor-widget-heading\" data-id=\"1e2fb64c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Find a card machine for your business today<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c015591 elementor-widget elementor-widget-heading\" data-id=\"7c015591\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Get a quote in seconds with our simple form<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11d54e10 h-button elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"11d54e10\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Start Free Quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f4d49d0 e-con-full e-flex e-con e-child\" data-id=\"4f4d49d0\" data-element_type=\"container\" id=\"main-artcon\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c811f06 elementor-hidden-desktop elementor-widget elementor-widget-shortcode\" data-id=\"6c811f06\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"7091\" class=\"elementor elementor-7091\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-719a216e e-flex e-con-boxed e-con e-parent\" data-id=\"719a216e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b4e295d elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"6b4e295d\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">High-Risk Merchant Accounts: Does Your Business Need One?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10d7e8cc elementor-hidden-desktop elementor-hidden-tablet title-article elementor-widget elementor-widget-heading\" data-id=\"10d7e8cc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">High-risk merchant accounts can affect the fees you pay to take card payments. Here\u2019s how they could affect your business.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-522c2e11 elementor-widget elementor-widget-shortcode\" data-id=\"522c2e11\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"7135\" class=\"elementor elementor-7135\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd8505a e-con-full e-flex e-con e-parent\" data-id=\"cd8505a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c726538 elementor-widget elementor-widget-shortcode\" data-id=\"c726538\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class='tfli_author_box'><div class='tfli_author_details'><div class='tfli_author_details_content'><img alt='' src='https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/06\/DSC08189-1-1-e1749120945402.png' srcset='https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/06\/DSC08189-1-1-e1749120945402.png 2x' class='avatar avatar-60 photo avatar-default' height='60' width='60' \/><a href=\"https:\/\/commercialexperts.com\/uk\/authors\/adam-jackson-wright\/\"><h4>Adam Jackson-Wright<\/h4><p>Content Writer<\/p><\/a><\/div><\/div><div class='tfli_post_details'><p>Last updated 11\/03\/2026<\/p><\/div><\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7ca66267 e-con-full e-flex e-con e-child\" data-id=\"7ca66267\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77b572f elementor-widget elementor-widget-text-editor\" data-id=\"77b572f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When a customer makes a purchase, the money goes through a <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/best-merchant-accounts-for-your-growing-business\/\">merchant account<\/a>, which enables businesses to <b>accept credit and debit card payments<\/b>. They serve as an intermediary between your <b>business bank account<\/b> and your customers&#8217; bank accounts.<\/p><p>Any business can have a <b>merchant account<\/b>, and you&#8217;ll need one if you want to <b>take digital payments<\/b>, but some <b>merchant accounts<\/b> are catered for certain &#8216;high-risk&#8217; businesses. While they sound like something to avoid, a <b>high-risk merchant account<\/b> can be handy in ensuring your business doesn&#8217;t end up getting frozen or even prevented from being opened in the first place.\u00a0<\/p><p>Here, we explain exactly what a <b>high-risk merchant account is<\/b>, <b>how they work<\/b>, the <b>risks associated with them<\/b>, and <b>whether your business is likely to need one<\/b>.\u00a0\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43062e85 elementor-widget elementor-widget-heading\" data-id=\"43062e85\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is a High-Risk Merchant Account?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5eafe7 elementor-widget elementor-widget-text-editor\" data-id=\"b5eafe7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: var( --e-global-color-b6c17bc );font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-size: var( --e-global-typography-098407d-font-size );font-weight: var( --e-global-typography-098407d-font-weight );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align)\">In the world of business, it&#8217;s a natural thing that some businesses come with a <strong>heightened vulnerability<\/strong>. Such businesses face this vulnerability in many of their day-to-day processes, and it&#8217;s no different when it comes to <strong>taking credit card payments<\/strong>. This is where high-risk merchant accounts come in.<\/span><\/p>\n<p>A <b>high-risk merchant account<\/b> is a <b>payment processing service<\/b> that&#8217;s specifically catered for businesses that standard <b>merchant accounts<\/b> tend to consider, you&#8217;ve guessed it, too risky to work with. The threshold of <b>acceptable risk<\/b>, and what actually constitutes risk, varies between <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/best-merchant-accounts-for-your-growing-business\/\">payment processors<\/a>, but the assessment will usually take into account things like your<b> industry<\/b>, <b>average payment size<\/b>, and the likelihood of <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/credit-card-chargebacks\/\">chargebacks<\/a>.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e4b2f8d elementor-widget elementor-widget-heading\" data-id=\"2e4b2f8d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Counts as a High-Risk Business?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2cb61c4 elementor-widget elementor-widget-text-editor\" data-id=\"2cb61c4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The million-dollar question when it comes to high-risk merchant accounts. The answer? It depends.\u00a0<\/p>\n<p>What constitutes risk is up to your <b>payment processor<\/b> to decide, and there are no official guidelines that clearly define <b>what counts as a high-risk business<\/b>. What counts as high-risk for one payment processor might not for another. New businesses, for example, have a lack of trading history, which some <b>payment processors<\/b> would see as added risk; other processors wouldn&#8217;t make the same conclusion.\u00a0<\/p>\n<p>Obviously, the lack of definition can muddy the waters a bit, but there <i>are<\/i> some agreed-upon factors that can <b>influence how payment processors view your business&#8217;s risk level<\/b>; some of which are listed below:\u00a0<\/p>\n<ul>\n<li>Your business&#8217;s industry.<\/li>\n<li>How frequently you get chargebacks.<\/li>\n<li>How long your business has been trading for.<\/li>\n<li>How large your typical transactions are.<\/li>\n<\/ul>\n<div>\u00a0<\/div>\n<h5>Your Industry<\/h5>\n<p>If the industry your business is in is subject to a lot of <b>regulation<\/b>, sells <b>regulated products<\/b>, suffers from a <b>high incidence of fraud<\/b>, or is otherwise typically volatile to <b>market fluctuations<\/b>, it will almost certainly be certified as a <b>high-risk business<\/b>. <b>Examples of high-risk industries<\/b> include, but are not limited to:<\/p>\n<ul>\n<li>Alcohol<\/li>\n<li>Adult entertainment<\/li>\n<li>Gambling<\/li>\n<li>Insurance<\/li>\n<li>Luxury goods<\/li>\n<li>Pharmaceuticals\u00a0<\/li>\n<\/ul>\n<div>\u00a0<\/div>\n<h5>Chargeback Frequency<\/h5>\n<p><a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/credit-card-chargebacks\/\">Credit card chargebacks<\/a> are when a <b>customer disputes a transaction<\/b> made to your business, usually when they feel they have been wrongfully charged.<\/p>\n<p>One of the most common reasons for someone to start the chargeback process is suspected fraud, so lots of chargebacks often mean lots of fraud, which puts a business in the <b>high-risk category<\/b>.<\/p>\n<h5>Your Trading History<\/h5>\n<p>It&#8217;s a sad truth, but many new businesses fail. This simple fact is itself a reason that some payment processors will c<b>lassify new businesses as high-risk<\/b>. Luckily, though, if this is your business, it won&#8217;t be high-risk forever.\u00a0<\/p>\n<p>As you accumulate a <b>large number of successful transactions<\/b> and can <b>prove profitability<\/b>, you will become a safer bet for many <b>payment processors<\/b>.<\/p>\n<h5>Typical Transaction Size<\/h5>\n<div>This is linked to the chargeback reason explored above. Essentially, the larger your average transaction size, the <b>greater the chance there is of chargebacks<\/b>. Further, the more valuable the goods you sell are, the<b> greater chance there is of fraud<\/b>, which also means a <b>larger number of chargebacks<\/b>.\u00a0<\/div>\n<div>\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f30601f elementor-widget elementor-widget-heading\" data-id=\"f30601f\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Drawbacks of High-Risk Merchant Accounts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27577a74 elementor-widget elementor-widget-text-editor\" data-id=\"27577a74\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>High-risk merchant accounts<\/b> do, of course, come with their problems, some of which are broken down below.\u00a0<\/p><h5>Higher Fees\u00a0<\/h5><p><b>High-risk merchant accounts<\/b> often have higher fees\u00a0than other <b>merchant accounts<\/b>. This is because the acquiring bank wants to protect itself against the <b>increased risk<\/b> of problems occurring during the <b>transaction process<\/b>.<\/p><h5>Stricter Contracts<\/h5><p>Businesses with a <b>high-risk merchant account<\/b> often face <b>stricter terms and conditions<\/b>, including <b>frequent account reviews<\/b>, hefty <b>termination fees<\/b>, and <b>longer settlement periods<\/b>.<\/p><p>There may also be a requirement for your business to have what&#8217;s called a <b>rolling reserve<\/b>. This is a deposit held by your <b>merchant account provider<\/b>, typically 5-20% of your monthly transactions. They make it easier for acquiring banks to shelter themselves from the <b>increased risk of<\/b> <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/credit-card-chargebacks\/\">chargebacks<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ae2fa54 e-con-full e-flex e-con e-child\" data-id=\"ae2fa54\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-dbbce98 e-con-full e-flex e-con e-child\" data-id=\"dbbce98\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-47811a6 elementor-widget elementor-widget-heading\" data-id=\"47811a6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Want to know more about how card payments work?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7be7ffc e-con-full e-flex e-con e-child\" data-id=\"7be7ffc\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f9478b8 elementor-widget elementor-widget-text-editor\" data-id=\"f9478b8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>While this article focuses on high-risk merchant accounts, we also have in-depth guides that fully explain all you need to know about taking payments. Explore below:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c811bc9 elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c811bc9\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/what-is-a-merchant-account\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Merchant Account Guide<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-processing-fees\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Card Processing Fees Guide<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/taking-card-payments-ultimate-guide\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">How to Take Card Payments Guide<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aedee88 elementor-widget elementor-widget-heading\" data-id=\"aedee88\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pros of Having a High-Risk Merchant Account<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f799a86 elementor-widget elementor-widget-text-editor\" data-id=\"f799a86\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Even given the above, <b>standard merchant accounts<\/b> aren&#8217;t always the better option. Standard merchant accounts, for example, won\u2019t expect anything out of the ordinary. So if a business starts making more frequent and larger transactions or experiences an influx of refund requests, the <b>merchant account could be frozen<\/b>. This would be typical of a <b>high-risk account<\/b>, so the chances of such an account being frozen are reduced.\u00a0<\/p><p>So you see, despite their name, <b>high-risk merchant accounts<\/b> do have some benefits over other merchant accounts and, if you do operate in a high-risk industry, having a high-risk merchant account to match is highly advisable.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d30c389 elementor-widget elementor-widget-heading\" data-id=\"d30c389\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Explore High-Risk Merchant Accounts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1ff8fd elementor-widget elementor-widget-text-editor\" data-id=\"e1ff8fd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you think your business could do with a high-risk merchant account, there a several options out there.\u00a0<\/p>\n<p>Providers like <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/worldpay-review\/\">Worldpay<\/a> and <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/paypal-merchant-account\/\">PayPal<\/a> offer the kind of thing you&#8217;re looking for. In fact, the team here at Commercial Experts have written a review on them both, so you can take a deeper dive into each one of them should you choose to. PayPal&#8217;s card machines have also featured on our <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-machines-for-small-business\/\">best card machines<\/a> round-up, so it would be a great choice of high-risk merchant account if you have a physical shop.\u00a0<\/p>\n<p>Alternatively, you can <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">compare merchant accounts<\/a> today by filling in our quick form. Click the button on this page to get started with that, and we&#8217;ll match you up with a suitable provider.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd564b3 elementor-widget elementor-widget-heading\" data-id=\"fd564b3\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Verdict<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbe1b5e elementor-widget elementor-widget-text-editor\" data-id=\"bbe1b5e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you fall into the category of a high-risk merchant, you&#8217;ll need a high-risk merchant account.\u00a0<\/p><p>Yes, they typically come with higher fees, stricter terms, and the need to have a rolling reserve, but they help you out in the long run by offering able to offer your customers a digital way to pay without the risk of having your merchant account frozen.\u00a0<\/p><p>In short, if you do operate in a high-risk industry, having a high-risk merchant account to match is highly advisable and could prove highly profitable, despite the drawbacks they tend to come with.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-712a119b e-con-full e-flex e-con e-child\" data-id=\"712a119b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1adadd6e elementor-widget elementor-widget-heading\" data-id=\"1adadd6e\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37e9dc12 elementor-widget elementor-widget-n-accordion\" data-id=\"37e9dc12\" data-element_type=\"widget\" id=\"faq-box\" data-settings=\"{&quot;max_items_expended&quot;:&quot;multiple&quot;,&quot;default_state&quot;:&quot;expanded&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9380\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-9380\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is a high-risk-merchant account? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9380\" class=\"elementor-element elementor-element-ba25007 e-con-full e-flex e-con e-child\" data-id=\"ba25007\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b2236f elementor-widget elementor-widget-text-editor\" data-id=\"1b2236f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>High-risk merchant accounts are offered to businesses that operate in a way that payment processors deem as high-risk. This could be because of their industry, the way their customers tend to pay, or the size of a typical transaction.\u00a0<\/p><p><span style=\"color: var( --e-global-color-b6c17bc );font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-weight: var( --e-global-typography-098407d-font-weight );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align)\">They work broadly the same as every other merchant account but involve typically higher fees or extra checks.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9381\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9381\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is my business high risk? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9381\" class=\"elementor-element elementor-element-7d3a5cc3 e-con-full e-flex e-con e-child\" data-id=\"7d3a5cc3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4446d5d2 elementor-widget elementor-widget-text-editor\" data-id=\"4446d5d2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Businesses are high risk when there is a higher likelihood of exposure to operational or regulatory risk. It\u2019s not just your industry and credit score that can affect whether your business is deemed to be high risk. Other factors include:\u00a0<\/p><ul><li>Your average transaction size.<\/li><li>The incidence of fraud within your industry.<\/li><li>Your refund ratio.<\/li><li>Your general financial stability.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is a high-risk-merchant account?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"High-risk merchant accounts are offered to businesses that operate in a way that payment processors deem as high-risk. This could be because of their industry, the way their customers tend to pay, or the size of a typical transaction.\\u00a0They work broadly the same as every other merchant account but involve typically higher fees or extra checks.\\u00a0\"}},{\"@type\":\"Question\",\"name\":\"Is my business high risk?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Businesses are high risk when there is a higher likelihood of exposure to operational or regulatory risk. It\\u2019s not just your industry and credit score that can affect whether your business is deemed to be high risk. Other factors include:\\u00a0Your average transaction size.The incidence of fraud within your industry.Your refund ratio.Your general financial stability.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21a8e0cf elementor-widget elementor-widget-shortcode\" data-id=\"21a8e0cf\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"3454\" class=\"elementor elementor-3454\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7aaa7ff9 e-con-full e-flex e-con e-child\" data-id=\"7aaa7ff9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-421e38f0 elementor-widget elementor-widget-heading\" data-id=\"421e38f0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">What's Trending?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fbd1e48 elementor-widget elementor-widget-heading\" data-id=\"6fbd1e48\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Find out how you could save your business money<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-331520ba e-con-full e-flex e-con e-child\" data-id=\"331520ba\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-11c842ef e-con-full e-flex e-con e-child\" data-id=\"11c842ef\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element 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.elementor-element.elementor-element-4788e55 > .elementor-widget-container{margin:0px 0px 0px 0px;padding:0px 3px 0px 0px;}.elementor-1921 .elementor-element.elementor-element-4788e55.elementor-element{--flex-grow:0;--flex-shrink:0;}.elementor-1921 .elementor-element.elementor-element-4788e55{text-align:left;}.elementor-1921 .elementor-element.elementor-element-4788e55 .elementor-heading-title{font-family:\"Poppins\", Sans-serif;font-size:12px;font-weight:700;text-transform:capitalize;text-decoration:none;line-height:2.25em;letter-spacing:-0.01em;word-spacing:0em;color:#FFFFFF;}.elementor-1921 .elementor-element.elementor-element-985fef4 > .elementor-widget-container{padding:0px 0px 0px 0px;}.elementor-1921 .elementor-element.elementor-element-985fef4{text-align:right;}.elementor-1921 .elementor-element.elementor-element-985fef4 .elementor-heading-title{font-family:\"Poppins\", Sans-serif;font-size:12px;font-weight:700;text-transform:uppercase;font-style:normal;text-decoration:none;line-height:2.25em;letter-spacing:-0.01em;word-spacing:0em;color:#FFFFFF;}@media(max-width:1024px){.elementor-1921 .elementor-element.elementor-element-945ae43 .elementor-widget-container{font-size:14px;}}@media(max-width:767px){.elementor-1921 .elementor-element.elementor-element-5b59782{--min-height:340px;}.elementor-1921 .elementor-element.elementor-element-d50222e{text-align:left;}.elementor-1921 .elementor-element.elementor-element-d50222e .elementor-heading-title{font-size:20px;}.elementor-1921 .elementor-element.elementor-element-945ae43 .elementor-widget-container{text-align:left;font-size:13px;}.elementor-1921 .elementor-element.elementor-element-7a41ec7{--justify-content:flex-start;}.elementor-1921 .elementor-element.elementor-element-4788e55{width:var( --container-widget-width, auto );max-width:auto;--container-widget-width:auto;--container-widget-flex-grow:0;text-align:left;}.elementor-1921 .elementor-element.elementor-element-4788e55 .elementor-heading-title{font-size:12px;line-height:1.2em;}.elementor-1921 .elementor-element.elementor-element-985fef4 .elementor-heading-title{font-size:12px;line-height:1.2em;}}<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1921\" class=\"elementor elementor-1921 e-loop-item e-loop-item-25210 post-25210 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-card-machine tag-lopay content_type-guides\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-5b59782 e-con-full e-flex e-con e-parent\" data-id=\"5b59782\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/lopay-card-machine-fees-card-readers-and-how-it-works\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d50222e elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"d50222e\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">LoPay Card Machine: Fees, Card Readers, and How It Works<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a41ec7 e-con-full e-flex e-con e-child\" data-id=\"7a41ec7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4788e55 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"4788e55\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">By Stephen Thompson -<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-985fef4 elementor-widget elementor-widget-heading\" data-id=\"985fef4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">22 Jan 2026<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7db9f307 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"7db9f307\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12b16c1 elementor-grid-1 elementor-posts--align-left whats-trending elementor-posts--thumbnail-left elementor-grid-tablet-1 elementor-grid-mobile-1 elementor-widget elementor-widget-posts\" data-id=\"12b16c1\" data-element_type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;classic_columns_tablet&quot;:&quot;1&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-25230 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-stripe content_type-guides\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/stripe-payments-explained-for-uk-businesses\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses.png\" class=\"attachment-full size-full wp-image-25231\" alt=\"Stripe Payments Explained for UK Businesses\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses.png 1024w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses-300x200.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses-768x512.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/stripe-payments-explained-for-uk-businesses\/\">\n\t\t\t\tStripe Payments Explained for UK Businesses\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>What Are Stripe Payments? Stripe Payments is a payment processing service provided by Stripe that allows<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-3582 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-account-cost-saving tag-card-machine content_type-best-of\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-machines-for-small-business\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"1400\" height=\"934\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file.jpg\" class=\"attachment-full size-full wp-image-21175\" alt=\"contactless payments\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file.jpg 1400w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-300x200.jpg 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-1024x683.jpg 1024w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-768x512.jpg 768w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-machines-for-small-business\/\">\n\t\t\t\tBest Card Machines For Your Small Business: 2025 Round-Up\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Your business needs a card machine that&#8217;s suited to you and your customers: here&#8217;s our breakdown<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-12145 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-card-machine content_type-how-to\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/taking-card-payments-ultimate-guide\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online.png\" class=\"attachment-full size-full wp-image-12954\" alt=\"Your Guide to Taking Card Payments In-Person and Online\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online.png 800w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online-300x300.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online-150x150.png 150w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online-768x768.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/taking-card-payments-ultimate-guide\/\">\n\t\t\t\tHow to Take Credit Card Payments In 2025\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Taking card payments is key to business growth, here\u2019s how it works in-person and online. Taking<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74eb876c elementor-align-right elementor-widget elementor-widget-button\" data-id=\"74eb876c\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/commercialexperts.com\/uk\/articles\/merchant-accounts\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">View all<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-593ac371 e-con-full elementor-hidden-desktop elementor-hidden-tablet e-flex e-con e-child\" data-id=\"593ac371\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e0beba2 elementor-grid-1 elementor-posts--align-left whats-trending elementor-posts--thumbnail-left elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-posts\" data-id=\"7e0beba2\" data-element_type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-25468 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-dojo content_type-guides\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/dojo-card-machine-independent-uk-guide-for-businesses\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1360\" height=\"965\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Dojo-Card-Machine-Independent-UK-Guide-for-Businesses.webp\" class=\"attachment-full size-full wp-image-25469\" alt=\"Dojo Card Machine: Independent UK Guide for Businesses\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Dojo-Card-Machine-Independent-UK-Guide-for-Businesses.webp 1360w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Dojo-Card-Machine-Independent-UK-Guide-for-Businesses-300x213.webp 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Dojo-Card-Machine-Independent-UK-Guide-for-Businesses-1024x727.webp 1024w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Dojo-Card-Machine-Independent-UK-Guide-for-Businesses-768x545.webp 768w\" sizes=\"(max-width: 1360px) 100vw, 1360px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/dojo-card-machine-independent-uk-guide-for-businesses\/\">\n\t\t\t\tDojo Card Machine: Independent UK Guide for Businesses\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-25230 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-stripe content_type-guides\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/stripe-payments-explained-for-uk-businesses\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses.png\" class=\"attachment-full size-full wp-image-25231\" alt=\"Stripe Payments Explained for UK Businesses\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses.png 1024w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses-300x200.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses-768x512.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/stripe-payments-explained-for-uk-businesses\/\">\n\t\t\t\tStripe Payments Explained for UK Businesses\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-3582 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-account-cost-saving tag-card-machine content_type-best-of\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-machines-for-small-business\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"1400\" height=\"934\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file.jpg\" class=\"attachment-full size-full wp-image-21175\" alt=\"contactless payments\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file.jpg 1400w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-300x200.jpg 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-1024x683.jpg 1024w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-768x512.jpg 768w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-machines-for-small-business\/\">\n\t\t\t\tBest Card Machines For Your Small Business: 2025 Round-Up\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78ed3168 elementor-align-right elementor-mobile-align-right elementor-widget elementor-widget-button\" data-id=\"78ed3168\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/commercialexperts.com\/uk\/articles\/merchant-accounts\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">View all<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>High-risk merchant accounts can affect the fees you pay to take card payments. Here\u2019s how they could affect your business. High-risk merchant accounts can affect the fees you pay to<\/p>\n","protected":false},"author":4,"featured_media":3806,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7,41],"tags":[],"content_type":[145],"ppma_author":[14],"class_list":["post-3598","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-merchant-accounts","category-merchant-accounts-guide","content_type-sector-explainers"],"acf":[],"authors":[{"term_id":14,"user_id":4,"is_guest":0,"slug":"adam-jackson-wright","display_name":"Adam Jackson-Wright","avatar_url":{"url":"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/06\/DSC08189-1-1-e1749120945402.png","url2x":"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/06\/DSC08189-1-1-e1749120945402.png"},"first_name":"Adam","last_name":"Jackson-Wright","user_url":"","job_title":"","description":"Copywriter"}],"_links":{"self":[{"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts\/3598","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/comments?post=3598"}],"version-history":[{"count":290,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts\/3598\/revisions"}],"predecessor-version":[{"id":25331,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts\/3598\/revisions\/25331"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/media\/3806"}],"wp:attachment":[{"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/media?parent=3598"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/categories?post=3598"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/tags?post=3598"},{"taxonomy":"content_type","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/content_type?post=3598"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/ppma_author?post=3598"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}