A high risk merchant account is an important account-type for a wide range of enterprises today as it allows businesses to receive payments in a variety of ways, typically through credit and debit card payments. When there is a loss on your account due to the inability of your company to financially support the sales volume that you applied for. Your application may be turned down even if you surpass chargeback thresholds. If you are on MATCH list or Terminated Merchant File (TMF) Other businesses that may be considered high risk include those that may delve into a new or untested industry, companies that sell to other countries different from their base, or a brand new business with no credit card processing history. Consumers simply make payments for products and services using a credit or debit card, so a business without credit card processing capabilities will suffer a lot of losses in the end. High Risk Merchant Account LLC (HRMA-LLC) All merchant accounts hold significant similarities, but they are not all the same, so it will be ideal to get the best possible deal for your business.