Chapter 6

Credit Card Processing Companies

We Compare the Industry Leaders

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The Complete Guide to Credit Card Processing is an in-depth explanation of how credit card processing works. This guide will help you evaluate and decide on the best merchant account without the false starts and missteps that others have fallen prey to in the past. Download your copy of the world’s most-comprehensive guide on credit card processing

Understanding how Credit Card Processing can work for you!

We saw in chapter 5 what to look for in a credit card processing company for your small business. Below, we explore and compare the data among the top companies in the industry for credit card processing. We look at pricing structure, fee transparency, customer service, equipment, multiple sales channel capability & review history of the top credit card processing companies.

How do credit card processors make money?

Credit card processors are a business, first and foremost. They provide a service to the business owner and so it’s understandable that they would be compensated for their time and skills. However, some processors charge fees for what other companies offer for free. Others aren’t transparent and up front about what they charge, leaving a gray area between what you expect to pay and what is actually charged. A fee here or there might not seem like a big deal, but it could cost your more money in the long run.
Different companies have different ways of making their money. Zero-fee, interchange-plus, flat-fee, subscription plus flat fee, and quote based services will all have different methods of making their money. Let’s compare the top credit card companies by their pricing structure.

6.1 Pricing Structure

At the end of the day, it’s really all about the numbers. You want the best you can get for the lowest amount – we understand that. In this section, we group the data of the top credit card processing companies by their pricing structure.
But what does all this really mean? How much does it really cost? If you want to see some price comparisons click here to see our article as we look at some examples of the actual cost of transaction and not just what they quote. This can really eat into your bottom line, especially if you process less than 10k/ month.
The rates that we listed below are the companies’ starting transaction rates. These are for in-person card present transactions, there will be different & higher rates for online transactions where you cannot physically see the credit card.

Zero Fee

This type of pricing structure is just what it sounds like – zero-fee for business owners. This means that you will pay no fees to process credit cards. Instead, the fee for using a credit card is passed onto the consumer by offering a cash discount when it’s time to pay. So the customer can pay with cash for a smaller amount, or choose to pay with a credit card for a small fee. Does it seem too good to be true? It’s not! Read this to find out more!

Zero Fee Pricing	Monthly Fee	Starting Transaction Rate
Dual Payments	$0	0%

Interchange Plus

This type of pricing model is becoming more and more popular. In this type of model, the business owner pays a monthly fee (subscription) and then pays a significantly lower processor mark-up above interchange. The cost of interchange will depend heavily upon the card brand and type of transaction. For instance, 2019 VISA CPS retail transaction costs 1.51% + $ 0.10 cents per swipe while MasterCard Credit Consumer interchange rate is 1.58% + $0.10.Make sure you do the math- If you’re not processing enough credit card sales to offset the monthly fee, then your cost per transaction becomes MUCH higher than just what is quoted in interchange plus. Here are the top vendors who offer this type of pricing model:

Interchange Plus Pricing	Starting Starting Monthly Fee	Starting Transaction Rate	Example Rates*
FattMerchant	$99	interchange plus 0% + $0.10	1.51% + $0.20
Dharma	$20	interchange plus 0.25% +	1.76% + $0.20
HelCim	$15	Interchange plus 0.25% + $0.08	1.76% +$0.18
National Processing	$10	Interchange plus 0.20% + $0.10	1.71% + $0.20
PaylineData	$10	interchange plus 0.20% + $0.10	1.71% + $0.20
Payment Depot	$49	interchange plus 0% + $0.15	1.51% +$0.25
Costco	$10/month $120/ year Costco’s executive membership fee	1.22% + $0.12	1.22% + $0.12

*used with Visa 2019 CPS retail interchange

Flat-Fee

A flat fee pricing model is a fee structure that charges the same rate per transaction regardless of the card brand. This type of pricing model is better for lower volume merchants, especially those that process less than 3k/month.

Flat Fee Pricing	Monthly Fee	Starting Transaction Rate
Paypal	$0	2.70 %
Stripe	$0	2.9% + $0.30
Square	$0	2.6% + $0.10
PayAnywhere	$0	2.69%

Subscription Plus Flat-Fee

A subscription plus flat fee is yet another pricing model available to a business owner. This type of fee structure charges a monthly fee and a flat rate per transaction.

Subscription Plus Flat Fee Pricing	Monthly Fee	Starting Transaction Rate
Quickbooks Payments	$25	2.4% + $0.25
Clover	$14	2.7% + $0.10
Due	Unknown	2.8%

Quote Based Service & Undisclosed Fees

The companies below have limited information on their websites. We’re not saying that they won’t be upfront about all their fees and terms, but we are suggesting you go in prepared! Their pricing model and rates are undisclosed because they want you to contact one of their sales representatives for “custom rates” that are specific to your business. When contacting them as a business owner for a quote, be cautious and wise, knowing you will likely be quoted a lower rate than what you pay currently but not the lowest that you could get. If you’re researching your options to save the most money while still getting quality support – you’re unlikely to get the best rate with companies that do not publish their fees and are hesitant about answering your fee-related questions. You may come across the terms “tiered pricing” & “qualified/unqualified cards.” Tiered pricing is a conventional processing model and has been around for years. . It’s also a clever way for a credit card processor to hide fees and make more money. Visa, Mastercard, American Express and Discover have not issued any statements about what makes a card qualified & unqualified, this is just something the processing companies have made up. They will charge more per transaction for an “unqualified card.”

Quote Based Service	Monthly Fee	Starting Transaction Rate
Sam’s Club	Unknown	Undisclosed
Flagship	Unknown	Undisclosed
FiserV (formerly First Data)	Unknown	Undisclosed
WorldPay	Unknown	Undisclosed
TSYS	Unknown	Undisclosed
BluePay	Unknown	Undisclosed

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6.2 Fee Transparency

The next item we reviewed the industry leaders is on their fee transparency. We want you to know exactly what you’re getting into before you sign on the dotted line. The last thing you want when you think you’re getting a great deal is to be nickeled and dimed by fees. You want to do business with a company that is honest & up front about their fees and processes. Feel free to use our list”>list when you’re getting a quote or talking with a sales representative.It’s important to know exactly what you’re getting into and never sign a long term contract. It could cost you thousands to terminate a contract, not to mention you may have to pay for any equipment that you thought was “free.” There are lots of fees than may be hidden – out articles here & here to learn more about hidden fees and ways that credit card processing companies make money from these. As you may have guessed, there are very few on this list that use the “undisclosed” pricing model, although some do boast about no hidden fees.

Quote Based Service	Fee transparency (No Hidden Fees)	No Contracts / no early termination fee	No monthly minimum
Dual Payments
Clover
Quickbooks Payments
Due
TSYS
BluePay
Sam’s Club
Flagship
HelCim
FiserV (formerly First Data)
WorldPay
FattMerchant
Dharma
National Processing
PaylineData
Payment Depot
Costco
Paypal
Stripe
Square
PayAnywhere

6.3 Customer Service

We wanted to not just evaluate these companies on whether or not they had customer service available, because all companies have some form of customer service. We wanted to evaluate the industry based on what makes great customer service. We wanted to know if customer service was based in the United States, if there was a dedicated account representative for each client, and if there was 24/7 live support available, not just an online question & answer forum.
This is also where it is important to do your research on company reviews. The bigger the company, the more complaints they tend to have. It just goes with being a bigger company and serving more people – it can get a little messy.

Customer Service	U.S. Based	Dedicated account reps	24/7 live support
Dual Payments
Clover
Quickbooks Payments
Due
TSYS
BluePay
Sam’s Club
Flagship
HelCim
FiserV (formerly First Data)
WorldPay
FattMerchant
Dharma
National Processing
PaylineData
Payment Depot
Costco
Paypal
Stripe
Square
PayAnywhere

6.4 Multiple Sales Channel Options

If you’re already selling on multiple sales channels, looking to expand or just trying to plan for the future, it’s important to know if your prospective credit card processor is able to support you in a variety of ways. Let’s say you want to do a pop-up event and need to process credit cards on the go – does your credit card processor have a solution for you? Or say you want to start accepting online orders or invoicing – what are your options?
It’s important to note that there will be different rates to process credit card transactions when the credit card is not present. Called a keyed-in transaction or card-not-present, these type of transactions will have higher transaction fees due to higher fraud risk since you cannot physically see the card.

Multiple Sales Channel Options	In-store Processing	Mobile Processing	eCommerce Processing
Dual Payments
Clover
Quickbooks Payments
Due
TSYS
BluePay
Sam’s Club
Flagship
HelCim
FiserV (formerly First Data)
WorldPay
FattMerchant
Dharma
National Processing
PaylineData
Payment Depot
Costco
Paypal
Stripe
Square
PayAnywhere

6.5 Equipment compatible with various POS Systems

Every business will use software to process their credit card transactions. Some systems, like Clover & Square, will only let you use Clover software with their equipment. This is great if you always want to stick with Clover, but let’s say you’re needing to switch processors. You will then have to purchase all new equipment since Clover’s are proprietary. But let’s say you need a different software that better meets your needs, you will want credit card readers and equipment that don’t work with just ONE software program. Equipment can be a big upfront cost, so please make sure you get equipment that can be used with a variety of point of sale software systems. You can’t just buy a credit card reader off of Amazon, plug it in and hope it works. Make sure it will work for both you and your processor.

Credit Card Processing Company	Equipment Compatible with Various POS Systems
Dual Payments
Clover
Quickbooks Payments
Due
TSYS
BluePay
Sam’s Club
Flagship
HelCim
FiserV (formerly First Data)
WorldPay
FattMerchant
Dharma
National Processing
PaylineData
Payment Depot
Costco
Paypal
Stripe
Square
PayAnywhere

6.6 Review History

Below, you’ll find general reviews that we’ve found from a web search. Make sure to do your own research to read specific complaints and decide if the common complaints those that you’re willing to deal with.

Credit Card Processing Company	Review History
Dual Payments	Good customer service and quick to respond
Clover	expensive to start, poor customer service, have to use proprietary POS & Hardware
Quickbooks Payments	Reviews are mixed- including difficult customer service and unclear on fees
Due	for online businesses
TSYS	reviews report lots of fees, equipment leasing & 3 year contract that auto renews
BluePay	very few positive reviews
Sam’s Club	3rd party for Clover Go and First Data. Reviews include tiered pricing and poor customer service
Flagship	Fees are unclear and hard to figure out, fees for processing and tiered pricing are not disclosed
HelCim	Reviews are very positive, fees are transparent and good customer service
FiserV (formerly First Data)	good for high volume sales – will use clover for small businesses
WorldPay	Frustration over customer service seems to be the biggest complaint
FattMerchant	Overall has positive reviews, great customer services & transparent pricing.
Dharma	Reviews are generally positive- great customer service & transparent pricing
National Processing	Uses Clover Go for their processing equipment and POS, all the same issues from using Clover will be here too
PaylineData	Reviews are better for established businesses, high risk businesses, reviews are mixed when it comes to fee transparency and customer service
Payment Depot	Reviews are generally positive- reviews of great customer service and upfront about fees
Costco	3rd party of Elavon- reports that customer service is very poor after you sign the contract
Paypal	No offline component available, limited expansion capabilities, hard to get ahold of customer service, unclear as to why fees are held
Stripe	More suited for ecommerce businesses
Square	will not service high risk accounts, complaints about customer service
PayAnywhere	Customer Service & tech support complaints

6.7 Conclusion

As you can see, there is no shortage of credit card processing companies. Your starting point will really be determined by your business type & monthly volume of transactions. In chapter 5, we gave you a checklist you can use to evaluate a processor while you’re interviewing them. Didn’t get it? Click here!

After you determine your starting point, the next steps will be to determine which company provides the features you need at a price you can afford. The last thing you want is to be drowning in fees and stuck in a contract that will cost you LOTS of money to break. So think – which features are the most important to you? Or what frustrations do you currently have that you’d like to resolve?

In our final chapter, we will analyze our data by business type, using the criteria above and general reviews. So if you are a pop-up vendor, online business, high risk business, and others not mentioned here – read on to chapter 7 to find out which companies might just be perfect for you!

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Example of High Risk Merchants

1-900 Phone companies – If you’re the type of company that charges people to have a chat on the phone, you’ll be considered high risk.
Adult Bookstores – Clearly a part of the adult entertainment industry, and an easy mark for the high risk tag.
Adult Entertainment – Any business labeled with the “adult” descriptor will automatically be assigned a high risk status.
Adult Toys – As “adult” is in the name, it’s an easy target for association with the adult entertainment market.
Airline Industry – Due to cancellations on high ticket purchases, this will put your airline company in the high risk category
Amazon Stores – By having a high rate of return, Amazon stores are seen as high risk.
Ammo Sales – Association with the weapons industry guarantees high risk status.
Annual Contracts – Any time an annual contract is involved it can be considered highrisk because most consumers forget they signed up and chance of chargeback can be high.
Antiques – With a high average ticket per item, antiques are considered a risky merchant type.
Astrology – The study of the celestial bodies and the influence on human affairs can be a chargeback target if customers feel like they aren’t getting the answers they want.
Auctions – Because of the nature of bidding on a product and not having a set price the risk level goes up.
Autographed Collectables – There is almost always a question as to whether an autograph is authentic, and therefore chargebacks are much higher in this industry.
Automotive Brokers – Brokers of automobiles have a very high average ticket are are therefore of higher risk.
Bankruptcy Attorneys – Since the people who are working with bankruptcy attorneys are usually in financial trouble, the odds that a payment would be charged back is higher.
Betting Services – In many states betting is illegal but for the legal states betting with a credit card has huge chargeback implications.
Brokering – When a third party is involved with selling a product the risk level goes up ten fold.
Business Loans (Merchant Cash Advances) – Loaning money is always risky, but with business loans and startup lending, high risk is present by the nature of the business.
Casino – Just like a betting service, if a customer gambles with their credit card the chargeback rate sky rockets.
CBD Products – CBD itself poses high chargebacks because of the legitimacy of the product and the health benefits promised.
CBD E commerce – CBD E Commerce has twice the charge back of retail CBD because many consumers don’t feel like the product they receive gives them the benefits promised.
Check Cashing (Check Processing) – The level of fraud in check cashing and cash advances is what gives this industry a higher risk consideration.
Cigarettes – With higher levels of risk for theft and criminal activity, cigarette sales are deemed high risk.
Collection Agencies (Collection Agency) – Many banks see collections as an unsustainable business model that is many times unreliable.
Collectible Coins – A higher level of chargeback in this industry gives it a high risk tag.
Collectible Currency – Due to the level of inauthentic collectibles, the risk of chargebacks are much higher with collectibles.
Copyrighted eBooks – When someone sells something copyrighted without permission many legal issues can arise.
Coupon Programs – With many coupon programs the coupons expire and once they expire the consumer wants the money back they spend.
Credit Counseling – Due to their clients usually being in financial problems, this industry is fraught with non-payment and fraud.
Credit Protection – Most people that need credit protection are bad with money so chargebacks abound.
Credit Repair – If a consumer needs credit repair then chances are they are a high risk for chargebacks.
Currency Sales – Many businesses that exchange currency do it at incorrect rates hence more chargebacks.
Dating Services – Dating is a volatile industry, and is also lumped in with the adult entertainment industry, making it a high risk account.
Debt Collection Services – As the collection of debt isn’t always possible, this industry retains the tag of risky.
Debt Consolidation Services (Debt Consolidators) – Consolidating debt is a challenging business and as debt is usually the problem, it’s seen as unsecure from a payment perspective.
Debt Repair Services – Since the clients of debt repair services are usually having financial challenges, it makes this industry seem a higher risk.
Discount Health Programs – Many people don’t feel they are really getting a discount so they try to get their money back and if they don’t the chargebacks sky rocket.
Discount Medical Care Programs – Just like the discount health programs if they don’t save the consumer wants their money back.
Drug Paraphernalia – Anything that is associated with the drug trade is considered high risk. Offshore merchant accounts are commonly used for this type of business.
E Commerce – As the source of the payment is unverifiable at the point of sale, any transaction without the card present has a higher risk of credit card fraud.
Ebay Stores – Many people sell items that aren’t as described so chargebacks can be an issue.
Electronic cigarettes – much like traditional cigarettes, e-cigarette sales are also deemed high risk.
Electronics – This industry has a much higher ticket compared with many other businesses. A chargeback for a $3,000 tv or two and your account can be in jeopardy rather quickly.
Escort Services – This is deemed a part of the adult entertainment industry and therefore needs a high risk merchant account and payment solution.
Event Ticket Brokers – If a customer buys a ticket and doesn’t use it they feel like they can charge the transaction back.
Extended Warranty Companies – Warranties are rarely used so people try to charge back the money that has been spent paying for them.
Federal Firearms License Dealers – Any organization associated with guns or firearms is automatically considered in this category.
Fantasy Sports Websites – Just like gambling, if a person starts to lose too often they try and charge back the transaction.
Finance Brokers – The entire financing industry is risky. By simply extending credit to other individuals, this business is betting that a majority of them will actually pay what they say they will.
Financial Advising/Consulting – The high risk tag on financial advisors isn’t about the advisors or their firm. It’s about the clientele and their current circumstances.
Financial Loan Modification Services – Due to a clientele in financial struggles, the high risk term is applied to any payments in this industry.
Financial Planning – Anything that includes risk for the consumer can have consumer implications with chargebacks.
Financial Strategy – Another risk and reward category, if money is lost, consumers try charging back making this a high risk industry.
Fortune Tellers – When a person doesn’t hear what they want to hear, or what is told doesn’t happen, the fortune teller can receive huge chargebacks.
Furniture Sellers – High risk only when its custom furniture.
Gambling – If money is lost the chargebacks rise.
Gaming – Chargeback levels skyrocket when consumers don’t win.
Get Rich Quick Programs – It’s rather common in this industry for an individual to purchase the training and then chargeback their purchase saying it didn’t deliver on what was promised.
Google Stores – With a high rate of return on their items, Google stores are considered high risk.
Gun Sales (Firearm Sales) – The gun and projectile industry is automatically associated with high risk credit card processing.
High Average Ticket Sales – With any high average ticket, just a couple of chargebacks can mean a massive shift in how risky the account is deemed by the processor.
Home/Vacation Rentals – Many issues with chargebacks can take place if the consumer decides not to travel.
Horoscopes – Many people believe this is hocum so will chargeback transactions.
How To Programs – A common practice in this industry is to purchase the program and charge it back with the description that it didn’t deliver what it promised.
Hypnotists – Many merchants will charge back these transactions if results they hoped for were not met.
Import/Export Business – Another example of taking goods over country borders which automatically brings in additional risk to any processing account.
Indirect Financial Consulting – When using a third party to consult, the high risk status gives the processor fraud protection.
International Cargo – Any time you introduce a multi-country element to credit card processing, the ability for fraud to be introduced skyrockets.
International Merchants operating in the US – Since the merchant isn’t operating from the United States, there are many unknowns about what is happening on the other side of their business, thus increasing the risk.
International Shipping – Transporting goods between countries is risky and introduces all sorts of elements to the financial stability of any transaction.
Investment Books – consumers get upset if the investor isn’t right which can lead to chargebacks.
Investment Firms – As investments are never a “sure thing” this is considered a risky industry for having a merchant account.
Investment Strategy – Anything with future promises can lead to chargeback.
Knife Sales – weapons of any kind are automatically given high risk status.
Kratom E Commerce – Accepting payments online is high risk, and Kratom is a substance in the health and wellness industry, which is also considered high risk.
Life Coaching – With no tangible goods involved in the transaction, life coaching is considered high risk.
Lingerie Businesses – Associated with the adult entertainment industry, chargebacks abound.
Lotteries – In most states you can buy lottery tickets with a credit card but if you’re allowed to and the ticket is not a winner, consumers try to chargeback the transactions.
Magazine Sales – Many magazine sales are recurring subscriptions, which can have issues with chargebacks.
Magazine Subscriptions – Same as magazine sales chargebacks can be huge when a recurring subscription happens. (often referred to as recurring billing.)
Mail Order Companies – When something is ordered through the mail chargeback risk can go up.
Marijuana Dispensaries – As marijuana isn’t a legal substance in every state, this is considered high risk due to the legality of the product. Cannabis credit card processing is available through Shift Processing.
Matchmaking Services – Another branch of the dating tree, and often associated with the adult entertainment industry.
Medical Devices – If a medical device doesn’t do what’s promised the purchaser may chargeback the transaction.
Membership Organizations – This is another instance of where the transactions don’t have any tangible product and are easily charged back to the merchant account.
Merchants on the MATCH list – If you are a merchant who has been reported to the MATCH list (Member Alert to Control High Risk Merchants) or the TMF (Terminated Merchant File) you are given high risk status.
Merchants with Poor Credit – Merchant accounts are given based on the credit score of the business owner. It’s assumed that the business owner is going to be making the financial decisions for the business, and a poor credit score reflects on the viability of any business transactions.
Modeling Agencies – At many agencies models are promised the world and it doesn’t happen. The consumer then wants their money back.
Movie Downloads – Transference of a digital product is considered of higher risk. Also, rarely is a physical card present at time of purchase.
Multilevel Marketing Sales – Often associated with pyramid schemes, MLM sales are considered a risky business.
Music Downloads – Purchasing any digital product is considered to be of higher risk than a physical transaction. Most of the time the card is not present in a digital transaction using a shopping cart.
Not A US Citizen Doing Business In The US – It’s possible to get a merchant account without a US social security number, but not having a SSN will increase the risk the processor will have in issuing a merchant account for your business.
Online Adult Membership Sites – If you’re running a website that is adult themed and requires payment for access, this is a highly volatile account and definitely high risk.
Offshore Corporations (Offshore Merchants) – The international element is what gives the high risk tag when looking for domestic merchant accounts.
Online Gambling (Online Gaming) – Without a card being present and gambling as the activity, there are two reasons why this would be on this list. Online payment alone is risky even without the gambling element.
Overseas Exporting Services – The introduction of the international element is what gains access to this list.
Pawn Shops – There’s a general stigma that goes along with pawn shops, and it’s reflected in their assignment to the high risk processors list.
Penny Auction Sites – Even though the customers are usually bidding at only a penny more per bid, users will commonly charge back the transaction when they don’t win.
Pepper Spray – Considered a type of weapon, pepper spray vendors are considered risky.
Points Programs – Points programs that cost money can cause chargeback issues if points are not used.
Pornographic Merchants – If you’re a part of the adult entertainment industry in any way, you’re considered high risk.
Precious Metals – Counterfeit metals can be a problem in this industry, making it more risky to accept payments for.
Prepaid Calling Cards – Anything prepaid that a consumer may not use increases chargeback issues.
Prepaid Debit Cards – When they expire or are lost consumers want their money back.
Psychic Services – “Honey, did you visit a psychic? No babe, I don’t remember visiting a psychic.” I’ll just reverse that charge then.
Real Estate – A common target for scams and identity theft is how real estate makes this list.
Replica Products (Watches, Handbags, Wallets, Sunglasses, Etc…) – As the product being sold isn’t authentic to the original manufacturer, the percentage of requests for refund is much higher than a traditional merchant.
Rewards Programs – If rewards are not spent, the consumer wants the money back.
Self-Defense – Since the payment provided is for instruction and not a physical product, the self-defense industry makes this list.
Self-Hypnosis Services – Yet another instance where the goods being transferred are of a service and not a physical product.
SEO Services – With a high rate of request for refund, SEO agencies make this list.
Social Networking Sites – Just like a dating site, if a consumer does not get what they want from it, they always like to chargeback.
Software Downloads – The software industry makes their way on to this list because of the digital nature of the goods being sold.
Sports Forecasting – An example of paying for information and not for a product, and usually not in person where the card would be present for the transaction.
Startups – Every startup is considered risky, and the percentage of startups that make it is quite small compared to the number that fail.
Student Loans – With the cost of a college education continually on the rise, so is the percentage of loans that default and never receive payment.
Strip Clubs – Associated with the adult entertainment industry gains the strip club access to this list.
Stun Gun Sales – considered a type of weapon, which makes it a high risk merchant.
Supplement Sales – The request for refund in this industry is quite high due to the nature of the product.
Sweepstakes – “Hey, I entered a sweepstake and I didn’t win. I’d like my money back please.”
Talent Agencies – “I paid thousands of dollars for headshots and glamorous outfits and I haven’t gotten any paid gigs. Pay me back my money please.”
Telemarketing Services – Telemarketing services many times do not have the results the purchaser would like to see, so the services are charged back.
Telephone Order Sales – Anything ordered over the phone has a increased risk of chargeback.
Timeshare Companies – When timeshares aren’t used, people want their money back.
Travel Agencies – If trips are not taken, consumers would like their funds returned.
Travel Clubs – Many travel club discounts aren’t what they were promised, increasing risk for chargebacks.
Vacation Rental Brokers – Third party brokers on prepaid vacation can have issues when customers cancel their trips.
Vape Shops – The level of criminal activity and theft is higher with vape shop merchants and therefore carries a high risk label.
Vitamin Sales – If the vitamins don’t provide the results the merchant would like to see they chargeback the transactions.
Web Designer – Because this service is prone to chargebacks, it has been classified as high risk.
Weight Loss – Considered risky because the results aren’t really up to the company, but rather the individual has to stick to the plan to get results, often resulting in chargebacks.
Yahoo Stores – Since the goods sold through Yahoo can easily be returned, they are considered a risky merchant.

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