U.S. HIGH RISK MERCHANT ACCOUNTS
Business America Services has relationships with numerous U.S. banks that specialize in high risk merchant accounts and can also accommodate the needs of high volume merchants.

What's the difference between U.S. High Risk Merchant Accounts and Offshore Merchant Accounts?
Opening a U.S. High Risk Merchant Account means that the credit card processing is being underwritten by a U.S. bank. When a bank underwrites a merchant account, it is assuming risk on your credit card sales and transactions. An Offshore Merchant Account is being underwritten by a non-U.S. bank.

Generally, U.S. banks are more risk adverse than Offshore banks, so not every business or business type will qualify for a U.S. High Risk Merchant Account.

However, if your business is deemed too high risk by U.S. traditional banks, you may still qualify for a U.S. High Risk Account.

If so, there are several advantages:
Processing Costs: In most instances, a High Risk Merchant Account with a U.S. financial institution will have lower discount rates and transaction fees than an Offshore Merchant Account. In many cases, Business America Services can underwrite high risk credit card processing at the same or even lower rates than traditional providers.

No Reserves: Offshore Merchant Account providers often require a reserve of 5-10% of monthly credit card sales volume. High Risk Merchant Accounts with U.S. banks do not require a reserve.

Fast Funding: All transactions funded within two (2) banking days.

Point-of-Sale Systems: A U.S. High Risk Merchant Account can process with any certified Point-Of-Sale (POS) System. This means that your existing terminals, PC processing software, and gateways can be re-programmed, so there's no need to invest in new point-of-sales, or re-train employees. The transition to a new High Risk Merchant Account is seamless, and there are no up-front costs.

If your business falls into any of the following categories, a U.S. High Risk Merchant Account could be the solution:

- Your business is classified "high risk"
because you have a high average ticket.

- Your monthly volume has been capped, and you
need to be able to process more sales per
month.

- Your funds are being held, and/or your
current provider is requesting a reserve.

- Your business is classified "high risk"
because of monthly billing, subscription
sales, or future delivery.

Not sure where you fit in?

Contact a sales representative, or fill out an Online Application for a free consultation:

ONLINE APPLICATION
To find out more call 802-868-7244 or fill out an online application, a sales representative will contact you within 24 hours. All information is strictly confidential and used solely for the purpose of processing an application. It's free, and there's no obligation.