The rates and the fees vary because of multiple factors. Some credit card processors may offer interchange plus pricing. Interchange is fixed pricing for transactions made on specific card brand and card type. The credit card processor will charge additional fees for each sale apart from the interchange cost. Most of the times UK based high risk merchants may have to pay an MDR of 8% to 10%. To reduce the credit risk your acquiring bank or ISO will also ask you to agree to rolling reserve. This rolling reserve works as a cushion of comfort for the payment processor. In case of huge chargebacks, disputes or merchants bankruptcy the processor can use this reserve to pay the buyers. Processing companies usually make payment to merchants on a weekly basis. Sometimes on specific accounts, credit card processors may put one or two week arrear to reduce credit risk. Companies like Quadrapay assist businesses in getting high risk merchant accounts in the UK. You can also search for Third-Party High Risk Independent Sales Organisations. These ISOs are specialised in high risk merchant account solicitation.