8224 Louisiana Blvd. NE Suite A
Albuquerque, NM 87113
(800) 750-6853
24/7 Customer Support
L.chavez@lycmerchantservices.com
Reach Out With Any Questions
High-Risk Merchant Accounts
Payment processing for businesses that traditional banks and processors turn away. LYC Merchant Services specializes in high-risk merchant accounts for industries with higher chargeback rates, regulatory complexity, or reputational challenges. Albuquerque-based support, fast approvals, and transparent pricing — even when others say no.
Merchant Services For Industries Others Avoid
If you’ve been declined by other payment processors, hit with sudden account terminations, or told your business is “too risky,” you’re not alone. Many legitimate, profitable businesses struggle to find reliable merchant services simply because of the industry they operate in.
LYC Merchant Services works with high-risk merchants every day — nutraceuticals and supplements, firearms dealers, smoke and vape shops, travel agencies, debt collection, adult products, e-cigarettes, subscription boxes, telemarketing, and more. We understand the underwriting challenges and know how to structure accounts that get approved and stay approved.
Based in Albuquerque and serving businesses across New Mexico and nationwide, we combine high-risk expertise with local, responsive support. No surprise holds. No frozen funds without warning. Just honest merchant services from a team that won’t abandon you when things get complicated.
Nutraceuticals & Supplements
Vitamins
CBD
Weight Loss
Health Products
Tobacco & Vape
Smoke Shops
Vape Stores
E-Cigarettes
Cigars
Firearms & Ammunition
Gun Dealers
Ammo Sales
Accessories
Sporting Goods
Travel & Ticketing
Travel Agencies
Tour Operators
Event Tickets
Timeshares
Subscription & Recurring
Subscription Boxes
Memberships
Continuity Billing
SaaS
Telemarketing & MOTO
Call Centers
Mail Order
Phone Sales
Outbound Sales
Debt & Collections
Collection Agencies
Debt Settlement
Credit Repair
Legal Funding
Adult & Dating
Dating Sites
Adult Products
Lingerie
Novelty Items
Answers To Common High-Risk Merchant Questions
Businesses are classified as high-risk based on factors like industry type, chargeback history, average transaction size, subscription or recurring billing models, regulatory complexity, and reputational concerns. Industries like nutraceuticals, firearms, travel, vape, and collections are commonly flagged as high-risk by traditional processors.
Traditional processors often decline or close accounts for businesses with higher chargeback potential, regulatory scrutiny, or industries they simply don’t want to work with. It’s not always about your business specifically — it’s about the category. LYC Merchant Services specializes in these accounts.
Most high-risk accounts are approved within 3-5 business days, depending on underwriting requirements. Some accounts with clean processing history may be approved faster.
High-risk accounts typically have slightly higher processing rates due to increased underwriting and chargeback risk. However, we work to keep rates competitive and transparent — no hidden fees, no surprise rate hikes.
Yes. We offer chargeback prevention tools, alerts, and management support to help reduce disputes and keep your account in good standing. We also work with merchants to address the root causes of chargebacks.
Some high-risk accounts may require a rolling reserve as a condition of approval. We’ll explain any reserve requirements upfront before you sign anything — no surprises.
Declined By Other Processors?
We specialize in high-risk merchant accounts. Get a free consultation and see if we can help your business accept payments.