A traditional or low-risk merchant account is designed for businesses with low dispute rates, stable sales patterns, and standard business models. Examples might include retail, professional services, and education platforms. Traditional accounts often come with lower fees, faster approvals, and fewer compliance checks compared to high-risk accounts.
If your business qualifies for a low-risk account, you’ll benefit from better rates and reduced operational oversight. AltoPay helps match you with the right acquirer based on your industry and transaction profile. Maintaining a low-risk status requires consistent dispute management and clean processing history. It’s also a good idea to review compliance practices regularly to avoid unexpected risk reclassification.
For more than a decade, Jessica Velasco has been a thought leader in the payments industry. She aims to provide readers with valuable, easy-to-understand resources.
