Merchant Accounts for Every Business Type
Your Business. Your Risk Level. Your Merchant Account—Sorted.
From startups to high-risk industries, Izi Payments offers fast, secure, and tailored merchant account solutions that fit your needs.
What Is a Merchant Account?
Whether you're running a high-volume eCommerce site or launching your first digital product, choosing the right merchant account is essential for seamless transactions, lower fees, and long-term stability.
A merchant account is a special type of bank account that allows businesses to accept debit or credit card payments—whether in-store, online, or remotely. It acts as the middle layer between your customer’s payment and the money landing in your business account.
Understanding Risk Levels in Merchant Services
Payment processors classify businesses by risk to determine approval terms, fees, and compliance requirements. This is based on:
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Industry type
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Transaction volume
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Chargeback potential
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Regulatory exposure
Risk Levels Explained—Where Does Your Business Fit?
Your business type plays a big role in how payment providers assess risk. Here's a quick breakdown:
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High-Risk Businesses include industries like CBD, adult content, cryptocurrency, supplements, and dropshipping. These sectors often face stricter scrutiny due to chargebacks and regulatory concerns—so you'll need expert guidance, specialized approval processes, and access to fraud prevention tools.
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Medium-Risk Businesses include SaaS platforms, subscription services, event ticketing, and digital marketing. While less volatile than high-risk sectors, they still require flexible settlement terms and robust support for recurring payments.
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Low-Risk Businesses cover more traditional sectors like retail stores, restaurants, beauty salons, and professional services. These benefit from fast setup, lower processing fees, and streamlined compliance requirements.
🔴 High-Risk Merchant Accounts
Ideal for businesses operating in sectors often flagged by traditional banks, such as CBD, adult content, cryptocurrency, dropshipping, online coaching, and supplements. These industries typically face higher chargeback rates or regulatory scrutiny—but with Izi Payments, you get expert risk assessment, faster approvals, and proactive fraud protection.
🟠 Medium-Risk Merchant Accounts
Designed for industries with moderate risk factors, including SaaS platforms, subscription-based services, ticket sales, digital marketing, and event management. We offer customized settlement options, chargeback minimization tools, and recurring billing support tailored to your growth.
🟢 Low-Risk Merchant Accounts
For well-established and traditionally stable industries such as retail, hospitality, wellness services, education, and professional practices. Benefit from quick onboarding, low transaction fees, and a seamless payment experience that scales with your business.
Find the Right Merchant Account for Your Business Type
Explore your category to discover how Izi Payments delivers tailored solutions that simplify setup and secure your success.
We go beyond “one size fits all.” Our services are crafted for everyone.
Industry-Specific Merchant Account Solutions
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Ecommerce Businesses
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Subscription & Membership Models
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Digital Goods & Online Courses
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CBD & Nutraceuticals
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Dropshipping & Fulfillment Partners
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Crypto & Forex Platforms
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Coaches, Consultants, and Infopreneurs
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Professional Services (Lawyers, Accountants, Medical)
Why Choose Izi Payments?
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Fast approvals—even for high-risk businesses
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avoided.io fraud & chargeback protection
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Flexible KYC & KYB support
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Next-day settlements
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UK-based 24/7 support
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Seamless integration with your platforms
Frequently Asked Questions
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How long does approval take?
Most merchant accounts are approved within 48–72 hours depending on business type.
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What documents are needed?
Standard KYC/KYB docs: company registration, director ID, recent utility bill, business bank statement.
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Can I get approved with poor credit or past chargebacks?
Our risk team works closely with high-risk merchants to provide tailored solutions—even in complex cases.
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Do you work with international businesses?
Yes, we support businesses globally—no matter where you're based. Whether you're registered in the UK, EU, US, or elsewhere, our flexible onboarding process allows us to work with all kinds of legal entities and business structures.