Experts in High-Risk Merchant Solutions
For many beauty and health merchants, getting approved for a merchant account or keeping one running smoothly isn’t always easy. Here’s why — and how choosing the right payment processor can make all the difference. Our team brings deep expertise in high-risk merchant services, compliance, and fraud prevention — so you can focus on growth while we handle the complexity of payments.
Why Beauty & Nutra High-Risk
Even though the products themselves are safe and legal, beauty and health businesses often fall into the high-risk category for financial institutions. Here’s why:
High Chargeback Rates
Recurring billing programs, subscriptions, or “free trial” offers can confuse customers — especially if they forget to cancel.
When this happens, they might contact their bank instead of your support team, leading to chargebacks that hurt your merchant profile.
Strict Regulatory Oversight
Nutraceuticals, supplements, and even skincare products fall under close scrutiny from regulators.
If your website makes unverified claims about results, or if a product’s ingredients are flagged, banks see it as a compliance risk.
Aggressive or Affiliate-Based Marketing
Many beauty and wellness brands rely on affiliate marketers, influencer partnerships, or paid social ads.
While effective, these channels can sometimes lead to misleading claims — or even fraud — without your knowledge, increasing perceived risk.
Recurring Billing & Continuity Models
Auto-renewal subscriptions and continuity programs are great for retention — but they’re also a red flag for banks. These models statistically see higher dispute rates, especially if billing terms aren’t fully transparent.
International and Cross-Border Sales
Health and beauty products often sell worldwide.
Different regulations, import restrictions, or local tax rules can create refunds, delays, or compliance issues — all of which increase risk for acquiring banks.
How Specialised High-Risk Payment Processing Helps
A high-risk payment processor understands the challenges that come with your business model. Rather than rejecting your application, they work with acquiring banks and risk teams that accept and understand your industry.
online and mobile banking
Everyday banking made simple
Online and mobile banking has convenient, easy-to-use features
Global Coverage
Partnerships with trusted acquiring banks worldwide.
Cross-Border Capabilities
Accept payments in over 150 currencies seamlessly, with transparent conversion rates.
Detailed Reports
Transparent pricing and clear reporting dashboards.
Secure Payments
Stay protected and aligned with PCI-DSS, AML, and KYC regulations. We help you navigate the complexity of operating in regulated markets.
Service Guarantee
99.9% uptime and robust gateway performance. We won't let you down with our 24/7 support all the year around.*
Settlement Terms
Fast, Reliable Payouts Enjoy faster settlement times and reliable cash flow management — even across multiple jurisdictions.
Frequently asked questions
Got a question about how High Risk Payment process works for Beauty & Health Merchants? View more Q&A here
What Is High-Risk Payment Processing?
High-risk payment processing refers to financial services designed for businesses that operate in industries with higher levels of chargebacks, regulatory complexity, or perceived financial risk. These businesses are classified as “high-risk” by banks and payment processors due to factors like transaction volume, business model, or market type.
Why It’s Called “High-Risk”?
A business may be labeled high-risk for reasons such as:
High chargeback ratios or refund rates.
Recurring billing or subscription models.
Operating in regulated or restricted industries (e.g., gaming, betting, or adult).
Serving international customers or processing cross-border transactions.
Large transaction volumes or high average ticket values.
Because of these factors, acquiring banks and payment gateways require specialized risk management tools, compliance frameworks, and underwriting processes to protect both the merchant and the financial institutions involved.
Why are Beauty & Nutra High Risk?
The beauty and wellness industry is booming — but when it comes to online payments, many brands face unexpected hurdles. From chargebacks and subscription billing to strict regulatory and advertising rules, banks often label nutraceutical and beauty merchants as “high-risk.”
What are the Regulatory and Licensing Requirements
Online gaming and casinos are heavily regulated and vary by country or state. The need to comply with strict KYC (Know Your Customer), AML (Anti-Money Laundering), and age verification laws makes compliance management complex and costly. Banks often prefer to avoid exposure to potential noncompliance or regulatory penalties.
Because of high transaction volumes, anonymity in digital payments, and cross-border operations, the gaming sector is a target for fraudulent activity and potential money laundering. This risk demands enhanced monitoring and due diligence from processors.
How to Get Started?
Simply press Get Started for a quick initial Consultation to get pre-approval.
We then start by understanding your business model, transaction volume, and operational setup.
Goal: Identify the best acquiring bank or payment network suited to your industry, region, and risk profile.
You’ll provide:
Basic business details (company name, website, country of operation)
Description of products/services offered
Estimated monthly processing volume and average transaction size
What Supporting Documents are Required?
Once pre-qualified, you’ll need to submit compliance and verification documents so the acquiring bank can review your application.
Typical documents include:
Certificate of incorporation / business license
Owner or director ID (passport or government-issued ID)
Proof of address (for business and owners)
Bank reference letter or recent statement
Processing history (3–6 months, if available)
Website URL (live and compliant with KYC/AML and gaming regulations)
License or certification (for casinos or betting platforms)
What Happens Next?
Underwriting & Risk Review
The acquiring bank and processor will review your application to assess:
Regulatory compliance and licensing validity
Chargeback history or exposure
Website security (SSL, privacy policy, responsible gaming disclosure)
Payment flow and refund policies
This step ensures your business meets both compliance standards and risk control requirements.
My Application is Approved... What are the Next Steps?
Account Approval & Integration
Once approved, you’ll receive your merchant account credentials and gateway integration details.
Our technical team helps you connect via:
API or hosted payment page
Custom plugins for platforms like SoftGamings, BetConstruct, or custom-built casino sites
We also perform test transactions to ensure everything runs smoothly.
What Support will Hero Provide?
We provide ongoing support throughout your application.
After successful testing, your account goes live.
From there, we provide:
Real-time transaction monitoring
Fraud prevention and chargeback alerts
Ongoing compliance and reporting support
Dedicated account management