A high-risk merchant is a business that operates in an industry with elevated exposure to fraud, chargebacks, regulatory scrutiny, or reputational issues. These businesses may face stricter underwriting, higher processing fees, or rolling reserves. Some examples include subscription services, supplements, adult content, travel, and international commerce.

AltoPay supports high-risk businesses with customized merchant accounts, AI-driven fraud technology, and proven-effective chargeback prevention solutions.