A specialty merchant account is a type of business bank account that allows business owners to accept credit and debit cards even if they are in an industry with a higher risk of fraud and chargebacks. Under that criteria, a number of different business types can be considered specialty, including high-volume ecommerce merchants and businesses that accept a lot of card-not-present payments.

Specialty merchant accounts typically come with slightly higher fees to help offset the increased risk to the payment processor.

Now, more than ever, it is critical that you offer your customers as many ways to pay as possible while securing the lowest possible processing rates for you and safeguarding sensitive cardholder data.

At Humboldt, we have more than 30 years of experience helping so-called, “hard-to-place” merchants just like you process payments affordably and securely. We'll even give you access to the back-office tools and analytics-based data you need to streamline your operations and grow your business.

At Humboldt, we make applying for a high-risk merchant account a breath of fresh air. Fill out the form below and one of our high-risk experts will contact you as soon as possible. They'll tell you everything you'll need to provide (bank and merchant processing statements, etc.) for our Underwriting Department to approve your application.

While the approval process for hard-to-place merchant accounts tends to take a little longer, we do our best to make it as painless as possible. Thanks to our in-house Risk Management and Underwriting Departments, once you have supplied all required documentation, the process should only take a few days.