Apply Today. credit cards simple. com - specialized solutions, seamless payments, and industry expertise. This is because your account is considered to be a higher risk for chargebacks and fraud. Credit card. SMB Global, based in West Jordan, Utah, is a high risk merchant accounts provider specializing in supporting ultra-high risk businesses such as adult, gambling, offshore businesses, debt collection, and CBD. Twitter Facebook-f. S. - Advertisement -. Documents Required To Try For High Risk Merchant Highriskpay. Highriskpay. He told me I was approved for unlimited processing. Read More: High Risk Merchant Account Bad Credit. Conclusion. The financial institution provides the business owner with the ability to accept payments from customers through its payment processing system. Hence, high risk merchant accounts incorporated with. A lot of transactions: A merchant is called a high-risk merchant by highriskpay. If you need to process in a foreign currency, our gateway is what will make the connection between you and your international merchant account to allow for prompt credit card processing. Post Date 4 seconds ago . High Risk Merchant Account Instant Approval; About us; Rates & Fees; Contact Us (800) 956-1277. com. When you use our services, you don’t need to worry about the risks of accepting credit cards for what will be considered high-risk payments. Here at Zen Payments, we believe that good merchants should be able to process payments and secure a merchant account, regardless of industry. com can help: Payment Processing: HighRiskPay. Once you have the details, you can talk to customers and start taking orders over the. The best high-risk merchant account providers offer honest sales practices, a transparent onboarding. com. You will worry less about the transaction and payment process since we engage in making your transactions secured. European Merchant Services (UK) Limited offers a range of services that support businesses to grow and succeed in an ever-changing world, especially as we all are starting to emerge from the pandemic. PCI Compliance – PCI (payment card industry) Compliance refers to the set of standards developed by the Payment Card Industry Security Standards Council and includes 12. Are you a business owner searching for ways to navigate the complex world of high risk merchant accounts? Look no further! In this blog post, we will demystify the concept of high risk merchant accounts and show you how HighRiskPay. High Risk Pay is one of the fastest growing companies in the credit card industry since 1997. The following documents are mandated if you are trying for highriskpay. Finding a high risk merchant account can be challenging for businesses considered high risk by traditional banks and payment processors. com and. com specializes in working with businesses often deemed high-risk due to factors such as chargeback. I spoke to Ami (no last name on his email). Less than $20,000 in monthly sales. The article "High Risk Merchant Account At Highriskpay. Industries. You’ve likely struggled to find a payment processor willing to take you on as a client. Hardware: Third-party hardware sold through Payline; quote-based. They send an immediate alert to the merchants whenever the cardholders file a dispute. Search. . com. 1. com is one of the leading High Risk Merchant Account providers of credit card processing & payment gateways to businesses with bad credit. com refers to the use of a specific type of merchant account that’s designed to handle high-risk businesses and industries. Apply Today. These industries may include e-commerce, adult entertainment, pharmaceuticals, and more. get my merchant account now HighRiskPay. Corepay's emphasis on eCommerce makes it a particularly good choice for online-only businesses. High Risk Merchant Account at HighRiskPay. This includes businesses that sell high-ticket items, businesses that have a high chargeback ratio, and businesses that are new to the market. Put simply: it’s table stakes. A 99% approval rate means that your unique business is almost guaranteed approval and that you can begin. The big guys like Stripe and PayPal want nothing to do with businesses like yours. Once you have an ecommerce merchant account and access to a virtual terminal, you’ll need to gather the appropriate credit card information to accept card payments. Screwfix Home Improvement: Explore Locations, Products & More! October 24, 2023. com provides a seamless payment processing experience for high-risk. com. com? A high-risk merchant account is a specialized financial service that allows businesses in industries with elevated risk factors to accept online payments. Accept all major credit cards including Visa, MasterCard, American Express, Discover, JCB, and Diners Club. The good news is that high-risk merchant account providers like High Risk Pay know startups are unpredictable. Luckily, companies like High Risk Pay can help set you up with a high-risk high volume merchant account so that you can continue to grow your business. What Instant Approval Actually Means For High-Risk Merchants. But there is more to expect from. Bad personal credit history is one of the most common reasons that traditional merchant account providers deny a merchant account application. These providers aren’t telling you that merchant account approval is a two-step process. 95% with a transaction fee of just $0. com, high-risk merchants can access the tools and resources they need. com’s high-risk merchant account offers many services. A high risk merchant account is a type of business account that is designed for businesses who have a higher than average transaction rate and are considered to be at greater risk for fraud. We work with companies of all sizes to provide solutions for high-risk merchants and can get your sportsbook payment gateway set up in less than 48 hours. The company guarantees the lowest rates and prides itself on. A lot of transactions: A merchant is called a high-risk merchant by highriskpay. A high-risk merchant account allows businesses to accept credit and debit card payments even if the provider expects a high number of chargebacks. Skip to content. These accounts are designed to mitigate risk and provide secure payment gateways, allowing businesses to accept online payments confidently. 14 page views on average. com is a platform that specializes in providing payment…Suitable for All High-Risk Businesses. PaymentCloud — Best for businesses looking for completely customized payment packages, fraud prevention tools, advanced payment gateways, and merchant funding. 95% per transaction on average plus a $0. Twitter Facebook-f. com, such as their benefits, types, the application process, and much more. A high-risk merchant account allows some businesses that are considered high risk to accept credit and debit card payments. HighRiskPay. These factors may include the nature of the business, the industry it operates in, the business owner’s credit history, processing. com industries. Learn about the best merchant account for ecommerce. Price: 2. This is in which the concept of an excessive-hazard. High-risk merchant accounts also may need a rolling reserve, where the payment processor holds back a certain percent of your income. Dropshipping is considered a high-risk business for credit card and payment processors, so you should consider opening a merchant account specializing in the dropshipping industry. As a leading provider of high-risk merchant accounts, Highriskpay. At last, we also learn some benefits and drawbacks of using a high. Industries. Official WebsiteThe specific fees charged for high-risk processing can vary depending on the payment processor and the specific merchant account. Banks are often hesitant to manage high-risk merchant accounts. Offering secure, and easy payment options help businesses compete. DECLINES SUCK — AVOID THEM WITH A. If you use a continuity subscription merchant solution like High Risk Pay, you will be able to enjoy benefits such as payment processing services, chargeback prevention, and next-day funding. This can increase the difficulty of. If a bank designates you as a high-risk merchant, it means that your company's transaction rate is above the industry standard. We’re more than just a merchant service provider — we’re your partner in high-risk merchant account consulting, both domestically and internationally. Looking for a MLM Credit Card Processing Account? High Risk Merchant Account & Payment Gateway Provider⚡ Instant. These specialized payment processing solutions are set up by payment processors who work closely with high-risk merchant account providers. They have had to use either direct providers, horizontal industry gateways that have been open to serving high-risk merchants and high-risk specific gateways (e. Oridzin In the world of natural compounds and bioactive compounds, Oridzin is a comparatively lesser-known name. High Risk Pay provides merchant accounts for relatively risky businesses, so it has all the solutions that your e-cigarette business needs. Integrating your trusted high-volume merchant account with a payment gateway with build-in fraud protection tools can help you protect your business and keep your merchant. This means high risk merchant highriskpay. Understanding High Risk Merchant Account at highriskpay. These can include: Higher card processing. com: Your High. HighRiskPay. com account is a form of a business bank account set up by a payment processor that enables merchants to accept credit and debit cards for their business. Additionally, a high-volume merchant account also makes you eligible for processing discounts that can even save you money in the long-term. A high-risk payment gateway, provided by your merchant service provider, is a system that’s created to allow you to take transactional information and pass it on to acquiring banks while receiving responses from issuing banks. com has the solution for you: secure merchant accounts that will keep your business safe from malicious hackers and financial loss. High Risk Merchant Account Highriskpay. Items on your credit report that initiate questions and declined applications include active bankruptcies, low credit scores, active collection accounts, a history of. When you refer us to customers you automatically earn $55 of each qualified sale. A high-risk merchant account is a type of merchant account given to a business that has been flagged as having a greater risk for fraudulent activity as well as chargebacks. High-risk. high risk merchant account allows businesses classified as high risk to accept credit card payments like any other business. com. High-Risk ACH Processing; Chargeback Prevention Program; High Risk Merchant Account Instant Approval; About us; Rates & Fees; Contact Us (800) 956-1277. Those transaction and monthly fees apply for most other categories as well, although adult merchants and. Highriskpay. In the ever-evolving landscape of e-commerce and online business, merchant accounts play a pivotal role. Merchant accounts exist because of returns. The risks associated with using a high risk merchant account include: 1. CONTACT INFO (800) 956-1277; sales@highriskpay. High-risk industries fall under a broad scope including. That’s where high-risk merchant accounts come in. 3. High risk merchant account at highriskpay. We know how important it is for businesses, especially high-risk ones, to accept credit card payments from customers. The lack of financial support for entrepreneurs can be frustrating. The application process can take a few days, so you won’t be able to accept payments immediately. 148 likes. Travel. Durango Merchant Services: Durango is one of the top high risk merchant account providers and offers a wide range of services to its clients. Trust HighRiskPay. com. Our objective is to give customers the satisfaction and be a reliable provider. As high-risk businesses are more prone to. With providers advertising “instant credit card processing approval,” there’s usually some fine print specifying that approval takes 24-48 hours — faster than normal but not “instant. com is an excellent choice for businesses seeking a high-risk merchant account. com. However, these accounts cost more given the increased risks. In e-commerce and online businesses, the term high-risk merchant highriskpay. List of High-Risk MCC Codes. For this reason, high -risk accounts require a unique personal identification. The Processing Group is a Canadian company offering high-risk merchant accounts to American and Canadian clients. While these accounts make it possible to process payments, they also come with. However, not all businesses have the luxury of being categorized as low. 3. Here at Zen Payments, we believe that good merchants should be able to process payments and secure a merchant account, regardless of industry. Additionally, to be eligible for a high-volume merchant account, you must also be able to provide proof that your business processes $100,000 in transactions each month. Despite being classified as a high-risk business by a previous processor or payment service provider, a high risk merchant highriskpay. High Risk Pay offers a one stop solution for your high risk business, with 99% approval rate, no application fee, no setup fee, no contract, and bad credit OK. nginxYour Highriskpay. com understands that each high-risk business has its unique requirements and challenges. However, high risk merchant services providers like Highriskpay. Greater Scrutiny:So, you run an online business that’s considered ‘high risk merchant account at highriskpay. Merchant accounts allow you to accept credit and debit card payments, whether in person, online or over the phone. com. Our commitment to beating competitor rates, dedicated customer service, and thorough rate review. However, due to excessive chargebacks, high sales volumes. , business license, current bank account statement, and any prior merchant account statements. What is a High-Risk Merchant Account At highriskpay. Integrations: Shopping carts have Shopify. 1. A high-risk merchant account allows you to accept credit cards safely and securely without having to worry about chargebacks or bad debts. We approve bad credit merchant accounts within 24-48 hours and quick setup once approved. Average sales volume of over $20,000 monthly. SMB Global is the option on our list with the longest standard contract length, three years. Each provider and terminal will have different requirements. In fact, the company doesn’t appear to market its services to low-risk businesses. An account with High-Risk Merchant highriskpay. High-Risk ACH Processing; Chargeback Prevention Program; High Risk Merchant Account Instant Approval; About us; Rates & Fees; Contact Us If you don’t have much in your Ecommerce merchant accounts, or savings accounts, lenders will likely see it as high risk. We offer high risk merchant accounts to all business types in high risk categories. This comprehensive guide unveils the intricacies of a high risk merchant account, offering valuable insights and expert advice. 3) Travel Merchants. Using a reputable high risk processor like highriskpay. A high risk…The Problems For High-Risk Merchants. (615) 476-0255. Higher payment processing fees. February 7, 2020. com is one of the leading High Risk Merchant Account providers of credit card processing & payment gateways to businesses with bad credit. eMerchant has been offering high-risk merchant accounts and other related services since 2002. Businesses can be considered high risk for a variety of reasons, including having a history of chargebacks, being in an industry that is prone to fraud, or being located in a. By following these tips, you can be sure to find the right high risk merchant account provider for your business needs. We help you tune the service to work with your business model. Your merchant account allows you to accept credit cards in the first place. Within 48 hours of approval, you can take credit card payments. HighRiskPay. What makes highriskpay. 27702 Crown Valley Pkwy Suite D4-120, Ladera Ranch California 92694, USA. com is a merchant account provider that offers services to businesses with a history of bad credit or considered to be in a high risk industry. TL;DR: A high-risk merchant account is a service that processors offer so that entities in fraud or chargeback-prone industries can accept card payments. When you use our services, you don’t need to worry about the risks of accepting credit cards for what will be considered high-risk payments. Aramis. If you are a high-risk merchant looking for a safe, secure, and reliable payment processor, opening a high-risk merchant account is your best solution. com — Best for any high-risk business, with a 99% approval rate, no credit score requirements, 24-hour approval, and chargeback prevention. They provide access to credit card processing through offshore institutions with more relaxed regulations. Reliable solutions for seamless transactions in challenging industries. However, with excessive chargebacks, you can face account termination and be viewed by banks as high-risk. The Best Credit Card Processing Companies Of 2023. A high-risk merchant account from highriskpay. High risk merchant account instant approvals involve significant data resources to cull out bad credit or fraudulent transactions and yet offer a quick and easy transaction experience to most other customers. See also: High risk credit card processing reviews get my merchant account now HighRiskPay. High-risk merchant accounts allow businesses in certain industries to accept credit and debit card payments for their products or services. High risk merchant processor highriskpay. In addition to the security provided by a high -risk trader account, they can be canceled if a large amount of payment is recorded. Corepay: Best For Mail Order/Telephone Order Businesses. High Risk Pay. The High Risk Payment Gateway for WooCommerce plugin adds Cardpay Solutions as a payment method to your WooCommerce store. The following advantages are offered by HighRiskPay. Learn more about high risk payments. High risk businesses include those selling products or services related to: CBD and hemp products. Legal. com provides a specific type of merchant account. Let’s get one thing straight, being considered a high-risk merchant (or what we like to refer to as higher risk) isn’t always a bad thing. High Risk Merchant Accounts in Nashville; Cash Discount Merchant Services; Pos Systems and Merchant Accounts in TN;Founded Date Apr 2, 1997. Bad Personal Credit History. A high risk merchant account is a type of account that is specifically designed for businesses that are considered to be high risk. 25 transaction fee. It’s very easy to apply online. The most significant benefit of a high-volume merchant account is the number of transactions you will be able to process without the fear of accounts being frozen or suspended. Average transaction of less than $500. A High Risk merchant Highriskpay. X. D. 95% plus $0. HighRiskPay. If your company is in need of a high risk. Of course, you will never be able to fully prevent fraud and chargebacks, but. com was founded in 1997 and is a top high risk merchant account provider that specializes in offering payment processing solutions for high risk businesses. A High Risk merchant Highriskpay. . High risk merchant services refer to the financial solutions designed specifically for businesses operating in industries considered to have a higher risk of chargebacks, fraud, and other financial liabilities. com All about Every business is exposed to some level of risk, although some are exposed to much greater risk than others. This is often a godsend for bad credit merchant accounts and allows them to secure steady income as they restructure. High Risk Merchant Account Instant Approval; About us; Rates & Fees; Contact Us (800) 956-1277. You should also expect less fraudulent activity as well as access to a broad customer base. ) When evaluating a high-risk business, merchant service providers must review the merchant application, conduct a thorough risk assessment, and check the business owner’s credit score. With over 25 years of experience, HighRiskPay. com specializes in helping businesses accept credit cards, debit cards, e-checks, and other payment methods securely and efficiently. In addition to providing extra flexibility with the use of your. Learn about high risk merchant highriskpay. Without a high-risk merchant account, ecommerce businesses eventually may face the risk of. 95%. For high-risk merchants, for example, the rate can be as low as 2. Highriskpay. The perfect high-risk payment gateway in Europe provides a quick transaction process, supporting transfer and merchant account activities. com account is a type of merchant account made for businesses in areas where there is a higher chance of chargebacks, fraud, or other problems that could lead to a higher number of complaints or rejected transactions. Companies with a higher likelihood of chargebacks or fraud are categorized as high-risk. Some industries, due to various factors such as high chargeback rates or. All Merchant Accounts; Expertise. Industries. PaymentCloud — Best for businesses looking for completely customized payment packages, fraud prevention tools, advanced payment gateways, and merchant funding. If you’re in need of a trustworthy and protected high. We’re prepared to be your partner in getting your business off the ground. com was founded in 1997 and is a leading provider of high-risk merchant accounts, offering a comprehensive solution for businesses in need of reliable, secure, and efficient payment processing. com specializes in offering high-risk merchant account. In the dynamic world of e-commerce and payment processing, businesses sometimes find themselves in high-risk industries that traditional banks and payment processors shy away from. This action leads to a chargeback. $20 for online sales. Your payment gateway will deposit the funds from credit cards into your merchant account. com is one of the leading High Risk Merchant Account providers of credit card processing & payment gateways to businesses with bad credit. com Nov 17, 2023 linkbuilderhusnainali In the ever-evolving landscape of e-commerce, businesses face numerous challenges, and for some, the label of being a high-risk merchant adds an extra layer of complexity. What Is High Risk Merchant Highriskpay. com: The Solution for High-Risk Merchants HighRiskPay. National Processing: Best For Clover Processing Hardware. Once you have the details, you can talk to customers and start taking orders over the. Their goal is “to satisfy customers and be a dependable provider. We’re more than just a merchant service provider — we’re your partner in high-risk merchant account consulting, both domestically and internationally. com, high -risk traders accounts are needed by a business or high -risk website to refuse to pay. Once you have an ecommerce merchant account and access to a virtual terminal, you’ll need to gather the appropriate credit card information to accept card payments. The company specializes in creating customized payment processing solutions designed to meet the specific needs of each. HighRiskPay. These industries include travel and tourism, online gaming, adult entertainment, and e-commerce among others. To help alleviate the confusion of what goes into the costs of setting up and maintaining a merchant account, let’s dive into something called ‘high-risk merchant accounts. This is often a godsend for bad credit merchant accounts and allows them to secure steady income as they restructure. They keep that in mind when reviewing an application. com: In the dynamic global of e-commerce and online business, accepting bills is the lifeblood of any corporation. High-Risk ACH Processing – No matter if your business falls under High risk, it offers ACH processing. Examples of high-risk businesses are online games, adult entertainment,. 1 . Greater Scrutiny:My Company High Risk Pay (“us”, “we”, or “our”) operates (the “Site”). 2. High-risk payment processors provide merchant accounts and payment processing services to merchants that operate in high-risk industries. Partnering with HighRiskPay. You can accept all major credit cards, get chargeback prevention, next day funding, and more with no setup fees or contract. Highriskpay. Their team has the experience to properly assess the risk factors of your business and work with acquiring banks willing to underwrite the account. com High risk merchant accounts are specifically designed for businesses with higher transaction volumes and a higher risk of fraud. Intuitiveness. com reviews your business that likely has a high risk of fraud. Menu. High Risk Pay is happy to accept all merchants, regardless of their credit and looks at many things besides credit when approving accounts. com lets you open a high-risk merchant account. com. For those resellers that can refer us more then 5 merchants per month please call us directly at: 800-956-1277 # 102. Apply Today and Be in Business Tomorrow! HighRiskPay. 25. For high risk payment processors, highriskpay. Our experienced team of advisors will be able to assist you in navigating the complexities of payment processing for your business. Corepay. View our rankings of the best High Risk Processing companies in Australia. HighRiskPay. High risk businesses include those selling products or services related to: CBD and hemp products. These providers have a higher tolerance for risk and are more flexible with their underwriting criteria, making it easier for high-risk merchants to obtain a merchant account and start processing. High Risk Merchant Account at HighRiskPay. It may be difficult for companies, especially those in high-risk sectors, to find reliable payment processing solutions in the ever-changing landscape of e-commerce and digital transactions. Even if your strategy is to refund disputes before they result in chargebacks, there’s still that additional cost in time and effort to manage the program. 50% to 6. Updated Nov 7, 2023. Every payment processor has. The Best Credit Card Processing Companies Of 2023. Do you feel like the costs and fees associated with setting up a merchant account have become more complicated each year? If so, you’re not alone. With a merchant account from High Risk Pay, you can accept both credit and debit card payments, prevent chargebacks, and limit fraud cases in your business. A high-risk merchant account is a payment processing tool that gives unique types of businesses the ability to accept payments. com 2023 is a great option for high risk businesses that want to accept credit card payments online. Valid driving license; Insurance coverage proof; Personal Identification Proof[PIN]: a secret numeric answer used at ATMs or drive-through facilities. Twitter Facebook-f. com lets you open a high-risk merchant account. We work with companies of all sizes to provide solutions for high-risk merchants and can get your sportsbook payment gateway set up in less than 48 hours. com is a type of merchant account that is designed for companies that are taken into. We understand that it is hard for high-risk business accounts to be approved, unlike the other low-risk businesses. com specialize in providing merchant accounts to High Risk Merchant Account at Highriskpay. com is one of the leading High Risk Merchant Account providers of credit card processing & payment gateways to businesses with bad credit. You will also be asked to prove that you have a secure system in place for customers entering credit card information. Comments on: By: Camille Someone necessarily help to make significantly articles I'd state. High risk merchant services refer to the financial solutions designed specifically for businesses operating in industries considered to have a higher risk of chargebacks, fraud, and other financial liabilities. This is the very first time I frequented your website page and thus far?Here’s an overview of what may land you in the high-risk credit card processing category as opposed to the low-risk one: High risk. 2. 6% plus 10 cents, while the fee for a high-risk account might be 2. These businesses often face a higher risk of chargebacks, fraud, or regulatory issues, making them less appealing to conventional. The merchant account provider charges high-risk merchant accounts higher fees to cover chargebacks. 2. com traffic volume is 242 unique daily visitors and their 484 pageviews. According to Crunchbase HighRiskPay. High-risk merchant accounts allow businesses in certain industries to accept credit and debit card payments for their products or services. 27702 Crown Valley Pkwy Suite D4-120, Ladera Ranch, CA 92694. com comes into play. HighRiskPay. Accounts can be approved in as little as 24 to 48 hours. High-Risk Merchant Accounts: As we’ve noted above, eMerchantBroker specializes in serving high-risk industries that traditionally have a hard time getting approved for a merchant account. High-risk enterprises are often new, have a history of credit problems, or operate in an area deemed contentious. Authorize. You can work with companies like High-Risk Pay who specialize in working with high-risk businesses. High Risk Pay is one of the rare payment processors that lists its rates on its website. High-risk businesses have difficulty obtaining merchant accounts from banks and payment processing companies. #karachi #norway #foodie #usa #security. com is a reliable provider of high-risk merchant accounts and payment processing solutions. High Risk Processing Merchant Cash Advance Multi-Currency Processing Payment. High Risk Merchant Account At Highriskpay. high-risk merchant highriskpay. Every business comes with risks; some are open to more than others. com in this comprehensive guide for high-risk merchants. We focus on supplying overseas merchant account and high-risk merchant accounts. However, some businesses are classified as “High Risk Merchant Account at Highriskpay. com. Unlike standard or low-risk accounts, these accounts factor in the financial risks that high-risk businesses face, especially susceptibility to fraud and chargebacks, and how they can be. An up-front reserve is a type of security deposit required by payment processors for high-risk merchant accounts. Purchase the Necessary Equipment. 2) Adult Entertainment Merchants. Because of the increased risk, traditional banks and payment processors. Each provider and terminal will have different requirements. 2. The best merchant account services of 2023, such as eMerchantBroker, PayKings, Instabill, and HighRiskPay, are designed to meet these challenges head-on, providing secure, reliable, and customized services. Because the CBD industry is relatively new, it may be prone to fraudulent business activities and frequent chargebacks. 2. As a result, high-risk merchants need payment. 1. HighRiskPay. We serve High-risk Merchants, eCommerce Merchants, and many more with unparalleled proficiency and expertise. com is one of the leading High Risk Merchant Account providers of credit card processing & payment gateways to businesses with bad credit. In the continuity subscription-based businesses, they are absolutely necessary for providing your customers with the level of convenience they expect in this day and age. com is one of the high risk payment processors specializing in providing payment processing solutions to high risk categories. Additionally, we offer a chargeback prevention program as a bonus service for signing up for a merchant account. However, due to excessive chargebacks, high sales volumes. While getting a merchant account for your business may seem difficult, it doesn’t have to be. A high-risk merchant refers to businesses that operate in industries or engage in activities that are deemed risky by traditional payment processors and financial institutions. . HighRiskPay. com account is designed specifically to help high-risk companies with payment processing. A high-risk merchant account is a payment processing account for businesses that are considered to be of high risk by banks/financial institutions. com has been providing payment gateway services and merchant account for 20 years. com comes with some major benefits for your business. Higher Fees: As a high risk merchant, you may be charged higher fees than a merchant in a lower-risk category. Average of over $500 credit card transactions.