Merchant Accounts
Trusted Guidance Into Reliable High-Risk Payment Solutions
Understanding High-Risk Merchant Account Classifications
For over 26 years, MojoHost has been the trusted infrastructure provider for thousands of online businesses in complex and high-risk industries. With MojoMerchant Accounts, we’re extending that same trusted guidance into the world of merchant account acquisition — helping clients secure stable, well-priced, and properly structured payment processing solutions.
Whether you’re launching a new venture or expanding into new markets, we’ll help you navigate the complexities of the payments landscape with confidence.
Why Getting It Right the First Time Matters
High-risk merchant accounts are specialized solutions designed for businesses operating in industries that banks and processors deem to carry elevated levels of chargeback risk, regulatory scrutiny, or reputational sensitivity. These include sectors like adult entertainment, supplements, CBD, gaming, coaching, digital services, crypto, and more.
What many business owners don’t realize is that being improperly categorized — or attempting to “hide” your business model under a low-risk classification — almost always leads to disastrous results:
- Frozen funds
- Sudden account termination
- Blacklisting from acquiring banks
- Long-term damage to your payment processing reputation
At MojoHost, we help ensure that your business is accurately and transparently classified, matching you with acquiring banks and underwriters who understand and support your business vertical. This leads to greater account longevity, less compliance risk, and a smoother experience for your customers.
Cutting corners on your merchant account setup is a short-term fix with long-term pain. We help you do it right.
– Brad Mitchell, President, MojoHost
Direct Merchant Accounts vs. IPSPs: Choosing the Right Path for Your Business
A key part of the consultation process is determining whether your business should pursue a direct merchant account or integrate with an IPSP (Independent Payment Service Provider, also known as a payment aggregator or umbrella processor). Each has its place, and our role is to help you understand which is the right fit for your size, model, and growth strategy.
MojoMerchant Accounts offers guidance and connections in both directions. We maintain strong relationships with underwriters and aggregators who understand high-risk markets, and we can help you land competitive rates whether you’re seeking direct processing or IPSP services.
Proper Fraud Screening & Chargeback Protection
Securing the Foundation for Long-Term Processing
One of the biggest threats to merchant account longevity — especially in high-risk verticals — is fraud and chargebacks. Many businesses underestimate just how important it is to deploy smart, layered fraud protection and proactive chargeback defense from day one.
Our consultative process includes reviewing and recommending:
We understand that processors care deeply about your risk profile, and that too many chargebacks — even if unfair — can lead to termination. We help you create a processing environment that banks are happy to support.
Keeping your merchant account is just as important as getting one.
Why Choose MojoMerchant Accounts
Strategic Merchant Account Advisory Backed by 26 Years of Online Expertise
When you work with MojoHost through MojoMerchant Accounts, you’re not just filling out an application — you’re engaging with a partner who:
- Understands e-commerce and high-risk industries better than anyone else
- Has a track record of long-term, compliant relationships with acquiring banks and IPSPs
- Provides real-world, practical advice to help you grow sustainably
- Knows what underwriters are looking for and how to structure deals for success
We aren’t here to push you into the fastest or cheapest deal — we’re here to help you make the right deal, with the right processor, so that your business can scale confidently and securely.
Ready to Talk?
Let’s explore the right merchant account strategy for your business. Whether you’re just starting or need a backup or additional MID, MojoMerchant Accounts is your go-to advisor in the high-risk payments space.
Get in touch today — and let Mojo guide the way.