British Man Making Online Payment with Credit Card in the UK

UK High Risk Merchant Account

Count on QuadraPay for reliable payment solutions. Join businesses like yours that trust us to elevate their success. Serving since 2016, QuadraPay is your must-have for a high-risk merchant account in the UK. Secure your business with confidence.
Specialized High-Risk Credit Card Processing in the UK

QuadraPay offers expert credit card processing services tailored to high-risk industries in the United Kingdom.

Secure Solutions for High-Risk Transactions in the UK

Benefit from QuadraPay's secure and reliable payment processing solutions, specifically crafted for businesses facing high-risk challenges in the UK.

Comprehensive Merchant Services for UK High-Risk Businesses

Explore a range of services by QuadraPay, dedicated to supporting high-risk businesses in the UK with their credit card processing needs.

Tailored UK High-Risk Payment Gateway

Unlock custom payment solutions designed for businesses in the UK deemed high risk.

QuadraPay offers a Tier 1 quality UK high-risk merchant account.

Suppose most conventional banks in the UK have rejected your merchant account application. In that case, you may need a high-risk merchant account. QuadraPay is proud to be one of the providers assisting merchants in securing high-risk payment gateways in the United Kingdom. We specialise in online and retail credit card processing for merchants deemed high-risk by banks in the United Kingdom. QuadraPay boasts a substantial connection with over 65 payment processors worldwide. This robust network enables us to assist UK merchants from various industries in obtaining a credit card merchant account, even if they face rejections from local providers. Our primary objective is to help you find the ideal credit card processing solution provider that meets your needs, respects you as a merchant, and supports your growth.

Why Some Industries Are Considered High-Risk in the UK by Merchant-Acquiring Banks

Certain businesses or conditions are considered high-risk by merchant-acquiring banks in the UK. However, it’s not mandatory that if one UK-based bank says no to a merchant for high-risk processing, all other banks will also say no. Our payment service provider partners individually audit every application; some may have a low-risk appetite, and some may have a slightly higher-risk tolerance. Some of the key industries in the United Kingdom, including CBD, hemp, gaming, skill competition, fantasy sports, and adult toys, are traditionally considered high-risk because of reputational factors. Apart from these industries, certain conditions also categorise merchants as high-risk, mainly having a bad credit score or a business with a history of excessive chargebacks.

We believe in giving a fair chance to every merchant across the United Kingdom, which is why we work hand in hand with you to get approval for a high-risk merchant account. Our approach is simple: we offer tailored solutions for businesses in diverse, high-risk sectors. Our underwriting partners give substantial time to each application to find legitimate ways of reducing the risk and onboarding the merchant. A case-by-case review of each application removes the possibility of any bias or ignorance. They look at your merchant account application, KYC documents, website, business model, and other reports and then decide, giving you a fair chance to present yourself as a suitable merchant for our acquiring partners. Other Key Reasons Why You May Need a High-Risk Merchant Account in the UK

  • Higher Likelihood of Chargebacks and Fraudulent Activities: Specific industries face a higher likelihood of chargebacks and fraudulent activities. Traditional low-risk merchant account acquirers may refuse businesses in these industries, leading them to require specialised high-risk merchant accounts.
  • Legal and Regulatory Challenges: Some industries face legal and regulatory challenges that standard operators may reject. High-risk solution providers explore legitimate ways to onboard these merchants.
  • Focus of Traditional Banks and PSPs: Traditional banks and PSPs may focus only on specific industries they are comfortable with, avoiding new or unfamiliar sectors. High-risk providers fill this gap by catering to a broader range of businesses.
  • Seasonal Businesses: Seasonal businesses with irregular cash flow may need help securing payment processing. High-risk providers are more open to working with industries with seasonal variations in sales.
  • International Transactions: Transactions originating from outside the UK may categorise a business as high risk. International merchants often prefer working with acquirers who understand the risks associated with global commerce.
  • Subscription and Recurring Billing: Offering subscriptions and recurring billing, especially with free trials, may lead traditional banks to decline applications. High-risk acquirers are more likely to approve subscription-based business models.
  • Start-up Merchants: Start-up merchants face challenges due to a need for processing history. Traditional processing companies prefer merchants with a track record. At the same time, high-risk providers like QuadraPay are more accommodating to start-ups.

QuadraPay’s Expertise with High-Risk Merchant Processing in the UK

QuadraPay has been assisting merchants considered high-risk since 2016. Every merchant wanting to succeed in online sales should get the opportunity to process credit card transactions. This is why we have established a solid connection with merchant account providers in the UK that say yes to businesses for high-risk online credit card processing.

Features of a Good High-Risk E-Commerce Merchant Service Provider in the UK

Merchant service providers help businesses accept card payments in person, over the phone, or online. To choose one of the best card merchant service providers in the UK, you must take care of these critical points:

  • Easy Integration. Despite high-risk providers approving their merchant accounts, we have seen merchants come to us. Due to the merchant’s content management system, the integration is difficult or simply not possible. We do not want this to be your case, so please let us know which content management system you use. When we find the solution for you, it will be precisely the one that you can integrate seamlessly with your system.
  • Lower transaction rates. Everything comes at a cost; however, processing should not cost you an arm and a leg. This means that the credit card processing rates should be reasonable. That is why we encourage you to let us know how much you pay with your current provider. If you share your current credit card processing rate with us, we can help you find one that offers a lower rate than you currently pay.
  • Multi-Currency and Multi-Card Payment Acceptance. Customers prefer to avoid restrictions, especially when using cards from various brands on your website. You should work with a payment processor that is okay with providing acceptance for most of the card brands available on the market. Your website should also accept payments in multiple currencies. We offer solutions that are open to receiving various currencies and card types.
  • Diversified Payment Options: In-Person, Over the Phone, or Online. You should be able to accept payments through multiple channels, including the website, via the mobile app, and at your retail store. This can be effectively implemented if you work with an omnichannel payment solution provider in the UK. Fortunately, we have omni-channel payment solutions available in the UK for high-risk merchants.

QuadraPay Merchant Services for Businesses in the UK

With our online credit card processing solutions, UK-based merchants can accept almost all kinds of transactions, including credit, debit, and alternative payment methods. A fast settlement from a local UK-based PSP or acquiring bank is a cherry on top because merchants get speedier access to cash flow.

Our priority is to help you find online credit card processing in the UK at the cheapest rate. That’s why we allow you to negotiate directly with the acquiring bank for payment processing rates. Our thought process is simple: if you are already processing payments and looking for a new solution, you must benefit. The only way it can help is if you are getting better services and saving money on your processing fees. Your search for the best credit card processor in the UK ends here.

Retail Credit Card Terminals for High-Risk Merchants

You may be aware that these days, card-present transactions are also considered high-risk because of various factors, including the industry where the merchant operates. Let’s take the example of the UK CBD oil shops or vape shops; these industries have recently been hampered by credit card processing, and many terminals have stopped working. These businesses can use the retail credit card processing that high-risk providers offer.

The Success of Your UK High-Risk Merchant Account Application Is Our Priority

You may be highly stressed if your application has been rejected multiple times or your acquiring partner has shut down your account. However, you do not have to feel alone. QuadraPay is here with you, and we will do everything we can to increase the success rate of your merchant account application approval.

We urge all UK merchants who are having trouble obtaining approval for a credit card processing account or who have recently had their accounts closed by the payment processor to get in touch with us. We are confident that we will put in all our efforts to move your application in the right direction, and we hope to see you accepting payments on your website and at your retail store soon. Contact QuadraPay today!

Secure Your Business with the Must-Have High-Risk Merchant Account in the UK

QuadraPay offers the essential solution for high-risk businesses in the UK. Don't miss out – Get your must-have merchant account today and elevate your financial security.

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