Industry LeadingHigh RiskMerchant Account Services Provider

Learn About The Industries We Serve

Providing High Risk Payment Processing Solutions for Your Business

  • BBB A+ Rated
  • In business for over 15 years
  • Thousands of merchants serviced
  • Over $1,000,000,000 processed!
  • “We've been working with PCS for several years now and are consistently impressed with their professionalism! They are extremely knowledgeable in dealing with the complex issues of the payments industry, especially international and 'non-standard' merchants. PCS knows the business inside and out, and I highly recommend them.”

    VP of Global Merchants Division
  • “I've been working with dozens of credit card processing companies. PCS has been the one partner who stayed with us the whole time, quickly making use of their personal connections and experience with underwriting to help keep us in business. If there is a way it can be done, PCS can do it, faster and better than anyone else!”

    Chris Bechard
    CEO of and
  • “We have been in operation and cooperation with Performance Card Service since January 2010 and are impressed by their service. Even through times of obstacles in the 'processing world' the manager, Don, has made all efforts to come up with the best solution for us, and he always makes it! Highly recommended.”

    Tore Hoff
    CEO of Amore International Ltd
  • “My business was having a hard time finding a processor that would approve us due to the unique way our company was constructed. PCS took the time to understand our business and compiled a full analysis of our options. We have been processing for over 2 years now and still communicate with PCS often for any new opportunities that may arise.”

    CEO of Total Antennas
  • “Matt is genuinely one of the most professional and knowledgeable consultants in the payment processing industry. He makes every effort to build solid relationships with processors globally and domestically. When I work with Matt, I know that my merchant will be treated with respect, honesty, and a diligent work ethic.”

    Nancy Nielsen
    Managing Director of Innovative Thinking LLC
  • “I have been using PCS as my own personal FAQ page for years now. Even when I ask one of my 'dumb' questions, their staff has gives me the highest level of attention and consideration. When working with Performance Card Service, there are no dumb questions!”

    CEO of RT Innovations

Offering Offshore Merchant AccountSolutions

Since 2001, the team of industry veterans at Performance Card Service has been helping to create profitable, long-term relationships between merchants and payment processing companies. All our high-risk domestic and offshore merchant account providers offer cutting-edge fraud prevention technologies, aggressive risk management departments and precise underwriting criteria — while maintaining some of the highest approval rates in the industry.

High-Risk Merchant Processing

Often, U.S.-based payment processors will not work with high-risk merchants, and the business is forced to seek other payment methods like eCheck or wire transfer. However, if the success of the business rests on accepting credit card payments, the merchant can choose to move offshore. Performance Card Service works with payment processing companies that offer high-risk domestic merchant accounts as well as eCheck and ACH processing.

Offshore Credit Card Processing

Offshore banks, found in many locations including China and South Africa, often allow a merchant to process cards without a specific incorporation in that jurisdiction. While offshore banks usually approve a higher-risk merchant, they still require the usual KYC (Know Your Customer) documents. These processing solutions often do not limit capacity, so higher-volume companies sometimes find them helpful for fast growth.

Frequently seen as saviors to hard-to-approve merchants, these processing solutions have their own set of limiting factors of which you should be aware:

  • The funding cycle is usually weekly but with 1 – 4 weeks in arrears, your cash flow can be greatly affected by this delay, and so you must plan ahead.
  • These banks normally convert currency from their local currency to your local currency, which means that customers may see a currency conversion on their credit card statement. Be sure to properly inform customers about this at checkout.
  • With an offshore bank, a processor may use a generic descriptor instead of a more custom one that is easier to recognize on a credit card statement. You can avoid problems by making your customers aware of this at checkout.
  • Make sure that your offshore bank is a reputable company. U.S. law does not govern your bank and processor; therefore, you should recognize the potential risk that something may happen and funds could be held.
  • You may face a higher rate of declined transactions than if the bank were U.S.-based. Many customers’ card-issuing banks have strict fraud-scrubbing features in place and will automatically block transactions initiated in another country.

High-risk merchants must recognize and understand all the factors of running their business while utilizing an offshore bank and processor. Partnering with the right adviser helps you properly prepare your business for the future. The experts at Performance Card Service are here to match our clients to the right merchant account providers.

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WhyIs Your Business Considered High Risk?

According to payment processors, many factors can make a business high risk. If your business meets one or more of the following criteria, you may need help from PCS to find a partner:

  • Your company has a questionable credit history.
    Just like consumers, businesses need to build good credit. If your company has no credit or poor credit, it may struggle to find the right payment processor.
  • Your business is based overseas.
    Overseas companies are sometimes considered high risk, which makes it difficult to find a payment gateway for credit card processing services.
  • You operate in a high-risk industry.
    While most business owners understand that they’re entering high-risk industries, some are surprised that their company falls under this umbrella. Some entire industries are classified as high risk, such as the adult content industry, e-cigarettes and nutraceuticals.
  • Your method of sales carries more risk.
    Businesses that rely on recurring billing, mail, website and telephone orders are typically at higher risk for fraud because receiving payment information in these ways is less secure than a credit card swipe.
  • Your business has a history of bad financial transactions.
    If your company has experienced a large amount of chargebacks, fraud, canceled transactions or refunds, you could be deemed high risk and struggle to find a payment processor with a payment gateway.
Additional FAQ's


Does Your Industry Require High-Risk Merchant Services?

Performance Card Service specializes in providing high-risk credit card processing solutions to many operations. This includes some industries you may not expect, which could explain why your business has been designated as high risk.

  • Adult Content and Products
  • Airlines
  • Bad Credit
  • Bitcoin
  • Business Opportunity
  • Collection Agencies
  • Continuity/Free Trial
  • Credit Repair
  • Debt Consolidation
  • E-Cigarette and E-Juice
  • Escort Services
  • EU Merchant Accounts
  • Financial Services
  • Firearm Dealers
  • Forex/Binary
  • Gentlemen’s Clubs
  • Herbal Supplements
  • Installment Lenders
  • Membership Programs
  • Kratom
  • MLM
  • Nutraceuticals
  • Offshore Merchant Accounts
  • Online Dating
  • Telemarketing
  • Timeshare Advertising
  • TMF Merchants
  • Tobacco/Cigars
  • Travel Services
  • Vape Shops
  • Web Design and Hosting

While these are the types of businesses we work with regularly, we have helped many operations in other industries as well. Even if your industry is not on this list, chances are we can support your company by helping you find a merchant account provider that suits your unique needs.

More About Our Industries



  • A robust network of merchant service providers with a strong track record of working successfully with businesses in high-risk industries
  • A vast database of information on processing fees, regulations, equipment, software and more
  • One-on-one consultations
  • In-depth analysis of available payment solutions, including credit cards, Automated Clearing House (ACH) checks, eWallets and more
  • Our guaranteed dedication to creating quality relationships between merchants and acquiring institutions

High-Risk Payment Gateway

Accepting credit cards requires a secure payment gateway, which is the connection between your website, your customers’ information and credit card issuer, and the bank that processes the transaction. PCS works with you to find the payment processor and gateway that best matches your business.

Offshore Credit Card Processing

Performance Card Service pairs your offshore business with a payment processor that allows you to accept credit card payments from customers around the world. An offshore merchant account provides your company with the financial freedom it needs to grow.

Consultation and Support

Even after we find a payment processing partner for you, we continue to act as a support system if you need one. Whether you need to apply for another account, increase your volume or escalate an issue, we’re right by your side and ready to help.

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Interested in Becoming a PCS Agent Partner?

At Performance Card Service, our agent partners:

  • Earn lifetime residuals that are among the highest in the industry
  • Retain more clients due to our huge portfolio of worldwide payment processors
  • Choose their desired level of involvement with each merchant
  • Work with a reliable, trustworthy company
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Ready to Apply for a Merchant Account?
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Or Call 855-960-6100