If you've been rejected by Stripe or PayPal, you are likely classified as "High-Risk." This isn't a death sentence for your business, but it does mean you need a specialized merchant account provider who understands your industry's specific chargeback and regulatory risks.
Why High-Risk Accounts are Different
High-risk providers offer specialized underwriting and "Rolling Reserves" to mitigate the risk of sudden spikes in chargebacks. They are more expensive than standard processors but offer far greater stability.
| Provider | Specialty | Approval Rate |
|---|---|---|
| PaymentCloud | General High-Risk | ~95% |
| Corepay | Gaming/Adult/Crypto | ~92% |
| Easy Pay Direct | Nutra/Coaching/Info | ~94% |