Industry LeadingHigh RiskMerchant Account Services

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, no one has done more to create profitable, long-term relationships between merchants and payment processing companies than Performance Card Service and our team of industry veterans. No matter where they operate, our high-risk merchant account providers supply cutting-edge fraud prevention technologies, aggressive risk management departments and precise underwriting criteria. At the same time, they also maintain some of the highest approval rates in the industry. Simply put, Performance Card Service is the premier source for payment processing solutions that address merchants' specific needs.

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 domestic high-risk merchant accounts as well as eCheck and ACH processing.

Offshore Credit Card Processing

Many banks throughout the world, including those found in locations such as China and Africa, often allow a merchant to process cards without a specific incorporation in that jurisdiction. Although these banks normally approve an offshore merchant account with higher risks, they still require the usual Know Your Customer (KYC) documents. These processing solutions typically do not limit capacity, so higher-volume companies often find them helpful for enabling faster growth.

These banks may be seen as saviors for harder-to-approve merchants, but these processing solutions come with their own set of limiting factors of which merchants should be aware:

  • The funding cycle usually is weekly. Though with one to four weeks in arrears, a merchant's cash flow can be greatly affected by such a delay. Therefore, the merchant must plan ahead.
  • Some of these banks convert currency from their local currency to the merchant's local currency, which means that customers may see a currency conversion on their credit card statements. Merchants must inform their customers about this at checkout.
  • Such processors may use a generic descriptor instead of a more custom one that is easier to recognize on a credit card statement. Merchants can avoid problems by notifying customers of this at checkout.
  • U.S. law does not govern banks that are based outside of the country. Therefore, merchants must be sure that if they work with any of these processors that those processors are reputable. Merchants also need to be aware of the potential risk that something may go wrong and their funds may be held.
  • Merchants may face a higher rate of declined transactions working with one of these banks than if they work with a domestic bank. Many customers' card-issuing banks have strict fraud-scrubbing features in place and will block transactions initiated in another country automatically.

Merchants choosing to use these banks must recognize and understand all of the aspects and potential risks involved in doing so. Partnering with the right adviser can help merchants with higher risk properly prepare their businesses for the future. The experts at Performance Card Service are here to match our clients with the right high-risk merchant services for their specific needs.

WhatElevates A Business's Risk?

According to payment processors, there are numerous factors which may elevate a business's risk. If your business meets one or more of these criteria, you may want to reach out to Performance Card Service to find the right partner to help you:

  • 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 sometimes are considered to be riskier, which makes it difficult to find a payment gateway for credit card processing services.
  • Your business operates in an industry with elevated risk.
    Although most business owners understand that they're entering industries with higher risk, some are surprised to find that their companies fall under this umbrella. Some entire industries are classified as having elevated risk, such as the adult content industry, e-cigarettes and nutraceuticals.
  • Your business's 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 can be 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 a higher risk and struggle to find a payment processor with a payment gateway.


Is Your Industry Considered to Be a Higher Risk?

Performance Card Service specializes in providing high-risk credit card processing solutions to many businesses. This includes some industries that may be unexpected, which could explain why some businesses have been designated as having elevated 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
  • Firearm Dealers
  • Forex/Binary
  • Gentlemen's Clubs
  • Herbal Supplements
  • Installment Lenders
  • Membership Programs
  • Kratom
  • MLM
  • Nutraceuticals
  • Online Dating
  • Telemarketing
  • Timeshare Advertising
  • TMF Merchants
  • Tobacco/Cigars
  • Travel Services
  • Vape Shops
  • Web Design and Hosting

Although these are among the types of businesses Performance Card Service works with regularly, we have helped many operations that may require a high-risk merchant account in other industries, as well. Even if your industry is not represented on this list, chances are that we can support your company by helping you find a merchant account provider that suits your unique needs.

More About Our Industries


How Performance Card Service Can Help ¬— We Give You Access To:

  • A robust network of merchant service providers with strong track records of working successfully with businesses in industries with elevated risk
  • 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. Performance Card Service works with you to find the high-risk payment processing solutions and gateway that best match your business.

Overseas Credit Card Processing

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

Consultation and Support

Even after we find a payment processor 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, Performance Card Service is right by your side and ready to help.

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Interested in Becoming an 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
Partner With Us
Ready to Apply for a Merchant Account?
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Or Call 855-960-6100