Now you can enjoy the credit, deposit and transactional benefits of modern banking.

Operating a high-risk business puts you in a difficult position as a merchant. Either because of the products or services you offer or because your customers typically have a high rate of chargebacks, you have to take special measures to enjoy the credit, deposit and transactional benefits of modern banking. KM Processing can provide simple, reliable and reasonably priced solutions that allow your customers to pay via credit card, debit card, or electronic check — and allow you to quickly bank those payments in your business account. What's more, we provide these services with integrity and transparency.

What makes a business "high-risk?"

The "high-risk" label is applied by banks and credit processing agencies.
Why? Typically, because:
  • The business is offshore, but sells most of its products to the U.S. 
  • The merchant sells products that are viewed as suspect or morally ambiguous – such as online pharmaceuticals, online gambling or adult content.
  • The merchant’s customer base typically exhibits a high rate of chargebacks or fraud.
  • The business uses aggressive sales and marketing tactics like timeshare sales (Some financial planning sites often fall into the high-risk category for this reason.)

Why KM Processing?

The simple answer lies in our track record. Our high-risk customers will tell you that we provide better rates, complete transparency, bullet-proof technology and top-notch service. What's more, our global partners guarantee that we have the perfect merchant account for your business; the most stable and transparent solutions available. We are the low-risk solution for high-risk businesses. To get started, give us a call at 866.400.0112.

Here is just a selection of the High Risk Industries we work with:
(If you don’t see your business type don’t worry we have a solution for you!)


  • Airplane charters or Airlines
  • Business Services with Annual contracts
  • Auctions
  • Automotive brokers
  • Bail Bonds
  • Bankruptcy attorneys
  • Brokering
  • “Business opportunities”
  • Calling cards
  • Casino, gambling or gaming
  • Chat Sites
  • Check cashing services
  • Cigarette or electronic-cigarette sales or nicotine cartridges or Vaporizer
  • Coins, collectible currency or autographed collectibles
  • Collection agencies
  • Coupons or rewards-points sales
  • Credit and/or debt repair
  • Credit counseling
  • Credit protection
  • Debt collection
  • Direct selling
  • Discount health or Dental programs
  • Debt consolidation
  • Drug paraphernalia
  • E-Books (copyrighted material)
  • Electronics
  • Event ticket brokers (unlicensed)
  • International Exporting services
  • Fantasy sports websites
  • Federal Firearms License (FFL) dealers
  • Finance brokering, consulting, or loan modification services
  • FOREX Brokers
  • Indirect financial consulting
  • Financial planning, strategy or advising
  • “Get rich quick” – books, programs, etc.…
  • High average tickets
  • “How-To” type websites
  • Horoscopes, astrology or psychic services
  • Hypnotists or self-hypnosis
  • International merchants
  • International shipping, cargo or import/export
  • Investment firms, strategy, and books
  • Lawyer referral services
  • Life coaching
  • Lingerie sales
  • Lotteries
  • Magazine sales and subscriptions
  • Mail order
  • Membership organizations
  • Merchants on the terminated merchant file – TMF merchants
  • Modeling agencies
  • Multi-currencies
  • Multi-level marketing (MLM)
  • Music, movie, software downloads or uploads
  • Non US citizens with Domestic businesses
  • Offshore corporation establishment services
  • Pawn shops
  • Payday Loans
  • Poor credit
  • Prepaid debit cards
  • Inbound or outbound telemarketing services
  • Replica handbags, watches, wallets, sunglasses etc.
  • Self defense, pepper spray, mace, etc.
  • SEO services
  • Sexual oriented or pornographic merchants: (i.e. escort services, adult chat, adult bookstores, dating services, online adult membership or matchmaker services, adult paraphernalia/toys, etc.)
  • Sports forecasting or odds making/betting
  • Talent agencies
  • Tech Support
  • Telecommunications
  • Telephone companies
  • Telephone order
  • Third-party processing, factoring merchants
  • Timeshares or timeshare advertising
  • Tour operators
  • Travel services
  • Travel agencies
  • Travel clubs
  • Vacation planners
  • Vacation rentals (unless property is owned by merchant)
  • Vitamin and supplement sales – Nutraceuticals
  • VOIP services
  • Extended warranty companies
  • Weapons of any kind – guns, knives, stun guns, or ammunition

To get started, give us a call at 866.400.0112