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If you’re considering a particular provider, check their website or contact them directly to see if they find your business to be high-risk.
While this list doesn’t cover every single possible high-risk business, it does include the categories that are most often regarded as high-risk.
Many processors will simply refuse to approve you for a merchant account, while others will charge you significantly higher rates and fees than you would otherwise have to pay.
Unfortunately, there are also plenty of merchant services providers that deliberately market to high-risk businesses that are struggling to get approved for a merchant account, only to rip them off with outrageously high fees and rates, as well as draconian contract terms.
You can expect that at least some of your recurring fees, particularly your basic monthly account fee, will be higher than what it would be for a non-high-risk business.
This is all a reflection of the fact that your processor is taking on additional risk by supporting your merchant account.