eCommerce Solution for High-Risk Industries

If you sell Adult products, ammo, e-cigarettes, or tobacco, these processors are for you

Selling online brings its own set of challenges, and some industries face challenges all their own. High-risk merchants sell certain types of products that payment processors are reluctant to deal with due to a variety of reasons. However, 3dcart works with several payment processors that are ready to do business with high-risk merchants.

What is a High-Risk Merchant?

A high-risk merchant is one who sells a type of product associated with either strong regulations or a higher-than-usual possibility for fraudulent purchases and chargebacks. Products that require age checks or have different legal status across state lines are often considered high-risk. Governmental regulations on some industries also lead to a high-risk designation, because of the frequency of eCommerce merchants (and the products themselves) that don't meet the required regulations. Since sellers of these types of products are more likely to encounter legal problems, payment processors often avoid working with merchants in high-risk industries in order to protect themselves from additional liability.

What is a High-Risk Merchant?

High-Risk Industries

Merchants selling products in these industries are designated as high-risk and will need a payment provider that accepts restricted products.

Vapes, e-cigarettes, and tobacco

Tobacco has long been regulated by the federal government, and while vaping is relatively new and regulations are still changing, its relationship with tobacco products is well-established. Tobacco and vape vendors are required to use age verification whether online or in brick-and-mortar stores. Tax laws can also vary significantly across state lines. Vape merchants in general need to be aware of the developing regulations that could change the way they do business. If you're planning to open an online vape store, make sure you're up to speed on current laws first.

Vapes, e-cigarettes, and tobacco

Adult novelties

Adult novelties and sex toys are another type of merchant requiring age checks. The nature of the adult toy business means customers want a high level of privacy, and this sometimes crosses over into fraudulent behavior. Some customers will go as far as to instigate fraudulent chargebacks or even use stolen credit cards in an effort to protect themselves from embarrassment, such as the name of an adult toy website appearing on their credit card statement. Between the age verification requirements and the higher risk of fraud, adult novelty stores are considered high-risk, so be prepared if you open an online adult toy shop.

Adult novelties

Firearm ammunition and accessories

Firearms in general are subject to regulation that varies significantly in different states, and laws covering ammunition and gun accessories (scopes, rifle stocks and chassis, replacement barrels, modification kits, etc.) are also highly varied. Online sellers dealing in these products need age verification and also restricted shipping that excludes certain states. Differing laws can also mean increased liability for sellers, which carries over as increased liability for payment processors. It's still possible to run a successful online ammunition and gun accessory store if applicable laws are carefully followed.

Firearm ammunition and accessories

Nutraceuticals and supplements

Nutraceuticals include nutritional supplements, alternative remedies, vitamins, workout and energy supplements, and similar products. Regulation is spotty, with many products going to market without FDA approval, and this industry has a reputation of making unfounded health claims, so payment processors hesitate to get involved. Of course there are many flourishing online nutraceutical vendors who sell high-quality products without issues, so you can definitely sell nutritional supplements successfully online.

Nutraceuticals and supplements

Other industries designated as high-risk

Other high-risk industries include:

Merchant Accounts & Credit Card
Processing for High-Risk Merchants

The following payment providers offer full integrations with 3dcart and are willing to take on online merchants in high-risk categories. Read more below to see which may be right for your business.

paymentcloud

Payment Cloud charges zero application or setup fees and boasts some of the lowest rates in the industry. They also offer free cost comparisons to help you compare their rates against your current payment provider. Payment Cloud processes payments from all major credit cards, Apple Pay, and more.

instabill

Instabill offers versatile merchant accounts for accepting credit cards, checks, multiple currencies, bitcoin, and other alternative payment solutions. They support more than 70 high-risk industries in several countries and also include additional fraud protection.

netbilling

NETbilling offers low rates for credit card and eCheck processing including multiple-currency transactions. They support eCommerce as well as brick-and-mortar retail transactions and also offer year-round, 24/7 support over phone, live chat, and email.

meverick

Maverick BankCard is a full-service payment provider that accepts a wide variety of payment methods and includes fraud prevention tools and chargeback mitigation. Maverick also offers several other benefits including detailed reporting and strong support.

payment-alliance

Payment Alliance International (PAI) offers robust and industry-specific merchant services for brick-and-mortar retail as well as eCommerce. PAI tailors its merchant services to your business's specific needs and also offers additional security solutions.

plugnpay

Plug'n Pay is a flexible, highly customizable payment provider that processes domestic and international transactions at competitive rates. They offer zero-cost credit card processing, recurring billing, customer payment portals, and many more solutions.

paykings

PayKings is a payment provider with a long history of experience in eCommerce and the unique needs faced by online businesses. They offer low rates and serve both B2C and B2B sellers, accept all major credit cards, and offer additional fraud protection and strong reporting features.

eprocessing-network

eProcessing Network specializes in real-time processing for credit, debit, ACH/check, Apple Pay, and more payment types. Payment processing is available for online businesses as well as point-of-sale systems. eProcessing Network also offers recurring billing, QuickBooks plugins, and more.

national-bank

National Bank Services specializes in high-risk merchants and has a great deal of experience in the special challenges these businesses face. They offer competitive pricing and guarantee to meet or beat the rates of competitors. Payments reach your account promptly and advanced reporting is available.

fortpoint

Fort Point Payments consists of a network of over 30 domestic and offshore banks and acquirers to help high-risk and hard-to-place merchants get the payment processing they need. Fort Point Payments specializes in tailored solutions for businesses and has a record of innovation in payment processing.

Why 3dcart is the Best Shopping Cart Software

With eCommerce becoming a multibillion-dollar industry, there's no shortage of shopping cart software these days — but 3dcart stands out from the competition. 3dcart has been developed with over 20 years of experience and industry knowledge that has successfully identified and included all the most-needed features of a powerful website shopping cart. Today, 3dcart is the most feature-rich, scalable, and overall most powerful eCommerce solution for any size business.