The high risk merchant account, done the right way round.

A merchant account for businesses in verticals where chargeback exposure, regulatory complexity, or scheme rules create narrower acquirer appetite: iGaming, crypto, forex, dating, adult, nutraceuticals and similar. High-risk is not an official card-network designation; each acquirer applies its own classification, usually driven by your MCC, licensing and chargeback history.

Apply to acquirers whose underwriting policy explicitly covers your vertical, with a file built the way their underwriters read it: licensing, UBO declarations, financials, processing history and chargeback record. That matching step is exactly what BZNpay does: we qualify your business first, then route the file to the 2 or 3 partners most likely to approve at your volume and risk profile.

It tracks your MCC and regulatory profile. In our catalogue, high-risk codes such as 7995, 6051, 6211 and 7273 typically carry MDRs of 0.5 to 5% IC++ with rolling reserves of 5 to 15%. A strong licence moves you down the band: MGA iGaming operators typically land at 0.5 to 2.5% IC++ markup, while Anjouan operators typically pay 4 to 7% blended. Final terms are always set by the acquirer.

Through BZNpay: a warm introduction typically within 24 hours of a qualified file, and full onboarding and go-live usually around 2 weeks, depending on licensing, compliance review and your technical integration.

We are compensated directly by our acquiring partners when a merchant goes live and processes volume.

Yes, case by case. A MATCH listing makes placement harder, not impossible. Specialist acquirers in the partner network underwrite previously listed merchants when remediated controls and revised business practices are documented.