High Risk Holdings

High Risk Holdings: Secure Payment Processing for High-Risk Merchants

If your business operates in a category that mainstream processors avoid, High Risk Holdings positions itself as a specialist that can get you live, keep you processing, and help you mitigate risk.

What High Risk Holdings Does

High Risk Holdings provides payment processing tailored to high-risk merchants. The company emphasizes support for both online and in-person acceptance, with options such as eCommerce processing, virtual terminals, in-store retail, mobile payments, ACH, and eCheck.

The company also promotes chargeback and fraud-prevention support designed for higher-risk profiles.

Key Capabilities at a Glance

1) Online payments for high-risk use cases

High Risk Holdings offers secure online processing for high-risk eCommerce and card-not-present transactions.

2) Card-present acceptance

For merchants that also sell in person, they describe solutions for in-store retail and mobile acceptance. This suggests support for countertop and portable setups where transactions happen face to face.

3) Virtual terminal for MOTO transactions

A virtual terminal allows staff to key in card details securely when orders are taken by phone or mail.

4) ACH and eCheck

For industries where card rails are constrained or costly, ACH and eCheck can lower per-payment costs and enable recurring billing. High Risk Holdings promotes both options for high-risk merchants.

5) Chargeback security and risk controls

The company highlights fraud prevention and chargeback-mitigation features tailored to high-risk profiles. While they do not enumerate tool specifics publicly, merchants are encouraged to engage directly for a tailored approach to fraud rules, alerts, representments, and refund flows.

PayFac Option for Platforms and Marketplaces

High Risk Holdings advertises a Payment Facilitator solution aimed at platforms that need to onboard and underwrite many sub-merchants. The company’s materials refer to simplified onboarding, help with PCI obligations, risk management, and an API to embed payments.

For context, payment facilitators aggregate sub-merchants under a master merchant account and handle much of the underwriting and monitoring.

Industries and Use Cases

High Risk Holdings publishes dedicated materials for several higher-risk verticals. Examples include:

• Online gaming, with quick gateway integration and support for major payment methods.

• Dating sites and apps, with an emphasis on secure transactions and fraud prevention.

• Tech support businesses that need risk-aware processing and gateway integrations.

• Nutraceuticals, with eCommerce plugins to speed integration.

• Bail bonds, where approvals and stable processing are crucial.

These industry focus areas suggest that High Risk Holdings aims to serve businesses with higher dispute likelihood, stricter content rules, or additional underwriting friction compared with standard low-risk retail.

Integrations and Developer Experience

The company mentions ready-made plugins for eCommerce platforms and a developer API for embedding payments, particularly in the PayFac context. If you are a platform, ISV, or SaaS provider, there is also an ISV partner program with co-marketing and commercial models.

Risk, Compliance, and Dispute Handling

High-risk merchants face elevated chargeback and fraud exposure. High Risk Holdings points to chargeback security and broader risk controls. While specifics are not publicly detailed, merchants are advised to request information about fraud rules, alerts, representment workflows, and refund logic.

If your business will act as a platform, ensure you understand the additional responsibilities inherent to PayFac models, including onboarding, monitoring, and card-network registration requirements.

Contact and Footprint

High Risk Holdings lists a 24-hour phone line and a Southern California office address for inquiries. Use their contact channels to request underwriting and pricing specific to your business model and chargeback profile.

Who High Risk Holdings Is Best For

Based on its available materials, High Risk Holdings is a potential fit for merchants and platforms that:

• Operate in industries with elevated chargeback or compliance risk such as gaming, dating, nutraceuticals, bail bonds, and tech support.

• Need multi-rail acceptance: balancing authorization rates, cost, and risk through cards, ACH, and eCheck.

• Want PayFac-style onboarding for many sub-merchants or an embedded-payments API for their software offerings.

• Require both online and in-person acceptance, as well as MOTO capability through a virtual terminal.

Conclusion

High Risk Holdings specializes in enabling high-risk businesses to accept payments across multiple channels (online, in-person, MOTO) alongside alternate rails like ACH and eCheck. They also offer a PayFac-style platform solution and emphasize support for risk and chargeback management. Pricing appears to be customized per merchant, and publicly available documentation is limited.