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High Risk Merchant Service Business

Elite Merchant Systems will provide a processing solution that meets your particular needs. Whether your business operates from a permanent location, your clients home or on the road. Our wireless point-of-sale terminals are perfect for businesses that operate in walk-in locations.
  • Benefit from a wireless merchant account
  • Accepts all major credit cards
  • Dependable quality service and technical support
  • Get set up and running in a matter of days
  • Electronic processing service that is supported by a complete line of electronic commerce, check verification & POS equipment, hardware and software.

Our services for merchants that are seeking merchant accounts in Canada, United States and worldwide. In total,
we have banking relationships with over 30 banks around the world. We specialize in high risk merchant accounts but we provide a complete
solution for retail, Internet, mail order and high risk businesses with high risk ACH check processing. Our services include placing merchant's
accounts with our Canadian, United States, offshore and International banks. If we can not approve you then no one in our industry can.
 Our services are as follows:

Canadian and United States High Risk Merchant Accounts 

  • Services works with a number of banks that specialize in high risk merchants  that do high volume transactions
  • Requirements to process domestic is less stringent that offshore processing, no offshore incorporation is required to process with domestic banks
  • Merchant discount rates are favorable
  • Multiple currencies available
  • Majority of the online ecommerce merchants can be placed with a domestic bank with favorable rates
  • Canadian merchants with high chargebacks and on CIRF accepted and U.S. merchants on MATCH accepted

Offshore Merchant Accounts for High Risk Merchants

  • Services  works with a number of offshore banks in Latin America, Caribbean and Europe        
  • Unlimited volume, low discount rates, quick approvals
  • All business types accepted
  • Merchants with high chargebacks accepted
  • CIRF and MATCH (TMF) list merchants accepted 

High Risk ACH Checking Accounts For International, U.S. and  Canadian Merchants

  • Process electronic checks, guaranteed checks, web checks, check collections (delinquent ACH checks), and checks-by-phone
  • ACH checks for outbound/inbound telemarketing, mail/phone orders, cataloque sales, re-occurring billing, travel, tobacco-cigar/cigarettes,
  • MLMs, pharmaceuticals
  • International merchants can process U.S. ACH checks (U.S. bank accounts required for International merchants, we will arrange)
  • Canadian merchants can process ACH checks in U.S. currency
  • Unlimited ACH check volume
  • Underwriting requirements are less stringent than credit cards
  • Excellent ACH virtual terminal for single transactions, batch uploads and re-occurring billing for eCommerce merchants, API available as well 
3rd Party or Aggregation Accounts

Third party accounts are for merchants that have difficulties maintaining their own merchant accounts or have consistently high chargebacks. 
These merchants share an account within a large merchant portfolio until they are mature enough or have enough credit card processing history
 to obtain their own merchant account number. Merchant discount rates are favorable within this portfolio because the account is protected from
 chargebacks and high credit card processing volume within the merchant portfolio. Third party merchant accounts are for the following types of

  • New business with no credit card processing history
  • Merchants with high chargebacks, refunds, and returns
  • Merchants that are considered high risk
  • Merchants that are consistently averaging more than 1% in chargebacks a month
  • TMF (Terminated Merchant File or MATCH) and CIRF Merchants
  • Merchants under the Visa/MasterCard chargeback reduction program
  • Merchants that are not incorporated within a jurisdiction
POS Retail Merchant Accounts For United States and Canadian Merchants