Low Risk Merchant Account

Getting a Reliable Low Risk Merchant account is lot easier now. Our Team will work hand in hand with you to help you get low rates for your credit card processing requirements.

Low Risk Merchant Accounts For Credit Card and Echeck Processing. Apply Now.

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Low Risk Merchant Account

Getting a Reliable Low Risk Merchant account is easy now with Quadrapay. We will help you to get an affordable merchant account for credit card processing.

Low Risk Merchant Account With Quadrapay
Low Risk merchant account by Quadrapay

What Is A Low Risk Merchant Account?

Merchant account acquirers identify the level of risk before on-boarding any merchant. They do this based on various factors. After analysis of the merchant profile, the processor classifies the merchants as.

  • Low Risk Merchant. These businesses attract the lowest amount of credit risk.
  • Mid Risk Merchant. These are from low risk industries but may have experienced high chargebacks in the past.
  • High Risk Merchant. As the name suggests these have high CB ratio in comparison to the low risk accounts.


Financial Institutions have capabilities to understand the creditworthiness of any applicant. Credit score is an essential factor in determining the risk level of any merchant. If a merchant has excellent credit score then he may qualify for a low risk merchant account. Merchants with good credit score are usually sound with finances. They can handle future disputes and chargebacks with ease. Merchants with good credit use correct policies in the organisation. It results in great customer satisfaction. It helps to get high retention and least chargebacks. With good credit score you may get an affordable merchant account within 1 to 2 business days.


Quadrapay Merchant AccountA low risk merchant is always the most attractive lead for any payment service provider. Payment gateway companies prefer to offer various modes of transaction to these merchants. Few of these modes are.

Low Risk Merchant Account for Car Not Present Transactions.

With online credit card processing solution merchants can accept orders over business website. Pci compliant gateway ensures the secrecy of the confidential card information. Customers can use all major credit and debit cards on the merchants website. 3DS and AVS helps the acquiring banks in lowering the risk of fraud. Quadrapay has a massive connection with many low risk merchant service companies. Our partners can offer these solutions in 100+ nations.

Virtual Terminal or Moto for Low Risk Businesses.

Some of these merchants may want to accept phone orders or telephone orders. USA and EU based businesses with low excellent credit may qualify for VT. The higher the percentage of Moto transactions the higher the risk.

Low Risk Mobile and Retail Payment Options.

Most ow risk stores sell products and services through the retail outlets. These outlets can use Chip-based and contactless point of sales monile payment devices. Quadrapay can help you get these machines on low MDR. Feel free to send an email to us on [email protected] or give us a call on our numbers

USA Number +1 6318321773
UK Number +44 05603845586
India Number +91 9643614168

We will be happy to suggest the option that’s closest to your requirements.

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Low Rate ACH Payment Gateway

Credit Card processing is more expensive solution then ACH payment processing. If the merchant has a USA bank account, then he can use ACH payment gateway with low transaction fees. There is no setup fee on ACH payment options for merchants for low risk category. ACH Payment processing solution comes with its virtual terminal. Many credit card processing companies limit and restrict the merchants monthly sales capping. These merchants can put some sales volume on ACH.

Echeck or Substitute check for Low Risk Merchants.

USA Merchants can also use Echeck or Substitute check that works as per 21st-century check 21 act. With the solution, the merchant gets a printed copy of the cheque issued by the payer. This check has the same value as a regular paper check. Merchants can send the check to their bank for clearance. These solutions are incredibly economical and highly reliable.


Quadrapay.com experts work with multiple merchants and help them in finding reliable payment processing solutions across the globe. These Merchants are from various Industries including few High Risk industries. As we already have the partner relationship with many payment service providers, we are in a better position to assist you in finding a solution that works for you. Before suggesting a payment service provider, we ask you a few questions that help us to conclude and find an acquirer that suits your need. Our team can also help you with the integration of the merchant account once one of our preferred processors approve it.

Once you get approved for a Low Risk Merchant Account, then it’s the time for you to incorporate it into your website. There are multiple ways of integrating the merchant account on your site. Here you are few integration options listed.

Hosted Payment Page Integration

This kind of integration is one of the easiest ways to connect the website to the gateway. The Merchant usually has to put a small HTML coding on the site that creates a buy now button. The customer clicks on the Buy Now Button and then sees a 3D secure hosted payment page. This 3D secure payment page collects the credit card information.

API and plugin-based integration

With API and plugin-based integration, customers get the opportunity to type in the credit card information on the checkout page. The credit card information is encrypted and securely forwarded to the payment ecosystem. In this kind of integration, the Merchant does not receive the credit card information thus ensures transaction security.

Pay by Email or Invoice Payment Link

To stay ahead in the game, most of the low risk merchant account providers have started offering pay by email and invoice payment link option. The merchant generates this link after logging into the motion account panel. The merchant can quickly send a payment request directly to the registered email address of the customer. The customer can open his email and click on the buy now button and proceed for the transaction.

IVR integration or IVR payment Gateway Integration

Depending on how comfortable the acquirer is the merchant may get the IVR payment gateway option as well. With the IVR payment gateway, customers can key in the credit card information on a secure interactive voice response system by using his touch-tone phone.

Virtual terminal or Moto integration

As mentioned earlier on this page sometimes payment service providers also offer virtual terminal to low risk merchants. The merchant may have to request the payment service provider to whitelist the IP address from which the virtual terminal will be used. It may help in stopping the misuse of the virtual terminal or Moto facility.

Most of the time low risk merchants hardly encounter over 1% of chargeback. Having said that there might be a possibility that chargeback percentage goes high. If the chargeback ratio goes beyond 1%, then the payment service provider may terminate or suspend the merchant account. This sometimes happens in case of e-commerce Merchants.

To maintain a longer life of your credit card processing account, we strongly recommend you to use a chargeback alert and notification service. With these kinds of services, you will be able to reduce your chargeback ratio to a considerable extent. After getting the notifications, you can call the customer and try to resolve the dispute. You as a merchant will be in a better position to coordinate with the customer and try to resolve any conflict. It will eventually help you in retaining more customers and lower down the chargeback ratio.

Based on our experience we have seen Low Risk Merchants been categorized as High Risk primarily because they made small errors at the time of applying. When you call quadrapay.com or send us an email [email protected], then we analyze your business and look at your KYC and application form. In Other words, we Pre-analyse your application and let you know about the challenges that may appear. We also suggest you about the website compliance requirements. Payment processing companies usually do not give a second option to a merchant and also do not allow the same merchant to apply for the next few months. Contacting us will help you in improving the chances of getting a reliable low Risk Merchant account for your retail and online business.

Suggested Readings

How do aquirers determin the risk profile of a low risk merchant.

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