Some businesses are fortunate in that they can walk right into a local bank and set up a merchant account without any fuss. These low risk industries like restaurants, retail shops, grocery stores, convenience stores, bars, and other card-swipe companies have it easy. Other businesses - those selling online or over the phone, especially - often have to look harder to find a qualified merchant service provider willing to work with them.
High risk businesses that want to process transactions for cigarette sales, travel services, adult entertainment, and other MOTO or internet operations are still eligible for low rates and secure accounts. You may even find some providers willing to waive early termination charges and charge no annual fees despite your high risk status.
Tobacco sellers, hotels, online pharmacies, and others will of course have to do their due diligence, shopping around for the best deal and comparing rates before signing up for an account with any one provider - just like other businesses. Great deals are out there - get yours today!