Are You a High Risk Merchant Account?

Y2Payments offers comprehensive high risk merchant account services offering safe and secure payment processing with the lowest transaction fees in the business, eCheck (ACH) processing, real-time fraud and chargeback interception.

Do you operate within a high-risk industry or have had some some credit issues? Businesses can be considered high risk by banks and merchant account providers due to a high level of charge backs on credit card payments, due to customers canceling transactions, making returns for refunds or have issues with credit card fraud. Companies can also be considered high risk due to their industry.

Many times high risk merchants have to deal with bad terms and high rates and do not have any room to negotiate, but that is not the case with Y2Payments.

Y2Payments has in-depth knowledge of your needs of and specializes in high risk merchants. Our processor relationships will keep your account active and in good standing.

Collections Agencies is one business category where we excel


  • In-depth Training
  • Interchange pass-through pricing which reduces transactions costs
  • Robust Reporting Software
  • Routing Payments to Separate Trust Accounts Easily
  • Seamless integration with current systems
  • Increased profits

The interchange pass through pricing offered by Y2Payments saves Collections Agencies every month over ACCPC pricing.  Y2Payments also offers in-depth training so anyone can understand how the processing works.

The robust reporting allows all of the numbers, accounts and verification in one place. The Y2Payments reporting system has the ability to have multiple processors on the back end.

Law Firms


  • Routing Payments to Separate Trust Accounts Easily
  • Reduced Supply Costs
  • In-depth Training
  • Increased Profits

Law firms often do not take credit cards for billing which means that they are waiting for upwards of 45 days for get paid for services rendered. With a Y2Payments merchant account law firms can easily setup automated billing.

Put Y2Payments 30+ Years at Work for Your High Risk Merchant Account

  • High Approval Ratings: Our processor relationships will keep your high-risk merchant account active and in good standing.
  • Easy & Fast Setup: Need same day approval with payment gateway integration? Contact us today and you could be up and running as early as tomorrow.
  • Fraud & Chargeback Protection: We intercept consumer disputes before they turn into chargeback. The Y2P Conduit portal includes an automated system that properly responds to chargeback request (in real-time).

Other Higher Risk Markets We Serve

  • E-Commerce Websites
  • MLM, Travel & Leisure, Nutraceuticals
  • International Sales Organizations
  • Offshore Accounts
  • Multiple-Currencies including Cryptocurrencies

Don’t see your solutions here? Call us or complete the form to the left. If you contact us today and you could be up and running as early as tomorrow.

High Risk Merchant Processing Services