Are you a high risk merchant account?  Does your business raise the red flag with payment processors?  You're not alone.  Consider the following business characteristics that can impact a payment processors or bank assessment for risk...

• Type of product or service
• Delivery terms for product or service
• Excessive chargebacks
• Poor refund policies
• Business owners with derogatory credit, bankruptcy or a TMF - terminated merchant file 
• New businesses
• Web based businesses or card not present environments

...and the list goes on at some length.

XBS has experience with approving all types of merchants for credit and debit card processing.  We don't shy away from complicated applicants and go to work on your behalf to secure a profitable, processing merchant account.