High Risk Commerce
High Risk Commerce is a private Miami-based payment processor that provides merchant account services to high-risk SMBs (nutraceuticals, e-cigarettes, online gaming, MLMs), offering domestic and offshore accounts, multi-currency processing, a rules-based fraud detection system, and developer-friendly API integrations.
- Company typePrivate
- Founded-
- HeadquartersMiami, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What High Risk Commerce does
High Risk Commerce is a private payment-processing firm headquartered in Miami, Florida, with a secondary office in Toronto, Canada. The company specializes in merchant account services for businesses classified as high-risk by traditional payment processors, including nutraceuticals, e-cigarettes, online gaming, and multi-level marketing, alongside offshore merchants requiring international currency support and domestic merchants seeking faster underwriting. The firm claims a 98% approval rate on merchant applications, attributing this to a broader banking-partner network across five continents than competing processors.
The product platform centers on a Merchant Management Console supporting Virtual Terminal, Hosted Payment Solution, Core API with Silent Redirect (libraries in Java, Ruby, .NET, PHP, plus REST), recurring billing, multi-currency processing (120+ currencies processed, 30+ settlement currencies, with one source claiming 160+), One Touch mobile payments, Bitcoin acceptance, and a rules-based fraud-detection system with 100,000+ transaction rule combinations. The stated technology stack is a payment processing platform with fraud detection capabilities, hosted payment forms under SSL, and developer-friendly API/SDK integration patterns.
Revenue is generated primarily through transaction-based pricing: discount rates of 2.2%-4.5% depending on business category, plus a $0.35 per-transaction fee, with offshore accounts commanding higher rates than domestic accounts. There is no setup fee until revenue generation begins, and merchants can choose static or card-type-broken-down pricing. GTM is sales-led via an online application portal and direct phone/email contact, with 24/7 merchant support. No funding rounds, ownership disclosures, financial figures, or management team information are publicly available, and the firm operates as a privately held, independently owned entity.
High Risk Commerce firmographics
Firmographics- Name
- High Risk Commerce
- Legal name
- High Risk Commerce
- Website
- https://highriskcommerce.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- High Risk Commerce is a private Miami-based payment processor that provides merchant account services to high-risk SMBs (nutraceuticals, e-cigarettes, online gaming, MLMs), offering domestic and offshore accounts, multi-currency processing, a rules-based fraud detection system, and developer-friendly API integrations.
- Ownership category
- akta.pro rank
High Risk Commerce industry classification
Industry- Product category
- High-Risk Merchant Services
- akta.pro primary industry
- High-Risk / Specialty Merchant Acquirers (FSAMABAE)
- akta.pro secondary industries
- Merchant Risk, Underwriting & Portfolio Monitoring (FSAMALAH), Merchant & Payment Facilitator (PayFac) Underwriting / KYB (FSAMAMAJ)
Keywords
Where High Risk Commerce is headquartered
LocationHeadquarters
- HQ city
- Miami
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
High Risk Commerce business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales
Revenue model
- Transaction Processing Fees: Revenue generated through discount rates on processed transactions. Discount rates typically range from 2.2% to 4.5% depending on business category. Additional transaction fee of 35 cents per transaction. Offshore merchant accounts typically command higher rates than domestic accounts.
- Merchant Account Services: Monthly merchant account services with volume caps. Flexible pricing options including static discount rates or breakdown by card type. No setup fee charged until revenue generation begins.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Competitive Discount Rates starting at 2.2% |
| Unit Pricing | Pay-as-you-go | Transaction Fee |
| Hybrid | Monthly | Flexible Pricing Options |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels2 records
High Risk Commerce product offering
Product offeringCore offering
High Risk Commerce underwrites and services merchant accounts for businesses in industries classified as high-risk by traditional payment processors (e.g., nutraceuticals, e-cigarettes, online gaming, multi-level marketing). It offers both domestic and offshore merchant accounts, multi-currency processing in 120+ currencies, and a payment platform with Virtual Terminal, Hosted Payment Solution, Core API, recurring billing, advanced fraud detection, and mobile/Bitcoin acceptance.
Product overview
High Risk Commerce is a payment processing company specializing in merchant accounts for high-risk industries. The core offering consists of High Risk Merchant Accounts with 98% approval rates, supported by extensive global banking connections. The company provides both domestic and offshore merchant account solutions with support for 120+ currencies. Key products include a Virtual Terminal for manual card processing, a Hosted Payment Solution for secure web transactions, and a Core API with Silent Redirect for programmatic integration. Additional services encompass recurring payments, multi-currency processing, advanced fraud detection, mobile payments via One Touch technology, and Bitcoin acceptance. The product architecture centers on the Merchant Management Console as the unified platform for transaction management, with flexible integration options ranging from no-code hosted solutions to full API control.
Differentiator
Problem solved
Functional benefit
Products and services
- High Risk Merchant Account
Quantifiable outcome
- 98% of merchant applications approved
- +3 more outcomes
Companies that use High Risk Commerce
Customer profileSegments5 records
Ideal customer profiles3 records
High Risk Commerce technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature6 records
High Risk Commerce partnerships and signals
Strategic signalScale indicators6 records
Recent moves1 record
Expansion highlights4 records
High Risk Commerce competitors and assessment
Company assessmentDirect peers
- EMBR Merchant Services: Direct competitor in high-risk merchant acquiring, offering domestic and offshore accounts plus chargeback management for similar verticals (vaping, MLM, online gaming, supplements).
- Soar Payments: High-risk merchant services specialist offering domestic and offshore accounts with API and virtual terminal integrations; targets an overlapping vertical mix with similar discount-rate-based pricing.
- PaymentCloud: One of the larger high-risk merchant acquirers, with comparable offshore capabilities and a similar sales-led online-application GTM targeting merchants rejected by mainstream processors.
- Instabill: High-risk and offshore merchant account provider serving e-commerce merchants in similar verticals to HRC, with comparable multi-currency processing and sponsor-bank-led offshore placement.
- Durango Merchant Services: Specialized high-risk merchant account provider serving nutraceuticals, CBD, adult and other difficult-to-place verticals. Competes head-to-head with HRC on approval rates, offshore accounts and discount-rate pricing for the same merchant segments.
- PayDiverse: High-risk merchant account provider focused on nutraceuticals, CBD, subscription and adult-adjacent verticals — overlapping strongly with HRC's core customer base.
Broad incumbents
- Stripe: Mainstream payments incumbent whose restrictive underwriting creates the rejection flow that funnels high-risk merchants to HRC. Increasingly encroaching on selected high-risk categories, making it the principal long-term competitive threat.
- PayPal: Global incumbent payments platform; relevant as both a referrer of merchants it declines and a long-term competitor expanding into higher-risk SMB categories.
- Block (Square): Broad payments platform with growing exposure to higher-risk SMB segments. Encroachment into HRC's verticals would compress the niche opportunity over time.
Regional players
- Host Merchant Services: US-focused payment processor with a high-risk vertical offering; comparable in product (virtual terminal, gateway, mobile) but more concentrated geographically than HRC's five-continent offshore footprint.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
High Risk Commerce social profiles
Digital presenceHigh Risk Commerce financial estimates
Financial estimateRevenue estimate
Valuation estimate
High Risk Commerce leadership team
Management profileNumber of profiles
High Risk Commerce funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
High Risk Commerce M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about High Risk Commerce
What does High Risk Commerce do?
High Risk Commerce underwrites and services merchant accounts for businesses in industries classified as high-risk by traditional payment processors (e.g., nutraceuticals, e-cigarettes, online gaming, multi-level marketing). It offers both domestic and offshore merchant accounts, multi-currency processing in 120+ currencies, and a payment platform with Virtual Terminal, Hosted Payment Solution, Core API, recurring billing, advanced fraud detection, and mobile/Bitcoin acceptance.
Is High Risk Commerce a public or private company?
High Risk Commerce is a private company. It is classified as unknown and is currently operating.
When was High Risk Commerce founded?
High Risk Commerce was founded in -1. It employs 101 to 250 people.
Where is High Risk Commerce based?
High Risk Commerce is headquartered in Miami, United States, in the North America region.
How does High Risk Commerce make money?
Two revenue lines are on record. Transaction Processing Fees are the primary driver. The others are merchant Account Services.
Who are High Risk Commerce's main competitors?
Direct peers on record are EMBR Merchant Services, Soar Payments, PaymentCloud, Instabill, Durango Merchant Services and PayDiverse. Broad incumbents are Stripe, PayPal and Block (Square). Host Merchant Services is listed as a regional player.
Does High Risk Commerce have an API?
Yes. High Risk Commerce offers a Core API and Silent Redirect integration method. The Core API provides complete control over integration into e-commerce solutions, with libraries available in Java, Ruby, Microsoft .NET, and PHP. A RESTful API is also available. Silent Redirect enables merchants to maintain their website's look and feel while staying PCI-compliant. The API supports recurring payments and billing through a programming interface.
What industry is High Risk Commerce in?
High Risk Commerce's product category is High-Risk Merchant Services. Its primary akta.pro industry code is FSAMABAE, High-Risk / Specialty Merchant Acquirers, with a secondary code of FSAMALAH, Merchant Risk, Underwriting & Portfolio Monitoring.