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Getting a High Risk Payment Gateway: A Step-by-Step Guide

Ryan Hull February 12, 2023 2931 Views Belfast Northern Ireland

This guide will walk you through the process of getting a high risk payment gateway, from determining your risk level to accepting payments from your customers. Follow these steps and start growing your business today.

Getting Started

As an online merchant, you know how important it is to have a reliable payment gateway that allows you to securely process transactions and get paid. However, if your business is classified as "high risk" due to the type of products or services you offer, you may have a harder time finding a payment gateway that will work for you. In this blog post, we'll show you how to get a high risk payment gateway for your business.

Step 1: Assess your business's risk level

The first step in getting a high risk payment gateway is to determine if your business is indeed considered “high risk.” Some of the factors that can contribute to a business being classified as high risk include:

  • High-value products: If you sell expensive products, there’s a higher chance of fraud or chargebacks.
  • Regulatory compliance: Certain industries, such as the gambling or adult entertainment industries, are subject to strict regulations that make it difficult for merchants to find payment gateways.
  • History of chargebacks: If your business has a history of high chargeback rates, you may be considered high risk by payment processors.

Step 2: Find a high risk payment processor

Once you have determined that your business is high risk, you’ll need to find a payment processor that specializes in serving high risk merchants. You can start by researching payment processors that have experience working with businesses in your industry, or look for those that specialize in high risk merchant services.

We recommend trying this payment gateway, they have helped me solve a lot of problems for my online woocommerce customers. Request a call back from my contact Andrew – here.

Step 3: Apply for a merchant account

Once you’ve found a payment processor that you think will work for you, the next step is to apply for a merchant account. The application process will typically involve filling out an online form with your business information and providing documentation such as tax returns and bank statements.

Like i mentioned in the last setup – get intouch with my contact Andrew here:

Step 4: Get approved

After you’ve submitted your application, the payment processor will review it to determine if they can approve your business for a merchant account. This process can take several days or even weeks, depending on the payment processor and the complexity of your business.

Step 5: Integrate your payment gateway

If your application is approved, the next step is to integrate the payment gateway into your website. This typically involves copying and pasting a code snippet provided by the payment processor into your website. You may also need to configure your website’s shopping cart software to work with the payment gateway.

See how i do it below with Trust Payments

Step 6: Start accepting payments

Once your payment gateway is set up and integrated into your website, you can start accepting payments from your customers. Make sure to monitor your account regularly to ensure that everything is working correctly, and to resolve any issues that may arise.



Getting a high risk payment gateway can be a bit more challenging than getting a standard payment gateway, but it’s not impossible. By following the steps outlined in this guide, you can find a payment processor that will work for your business and start accepting payments from your customers.

Make sure you speak with Andrew here for all your gateway needs!

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