What qualifies as high risk?
Merchants can be classified as high risk for various reasons; i.e., low personal credit, poor financial history, a previously terminated merchant account, or a previously failed business, etc. – and/or – the merchant’s business is in an industry classified as high risk as defined by the card associations, like gambling, adult entertainment, CBD, and tobacco/vaping.
High Risk Business Categories
There are many high risk business categories, such as smoke shops, vacation rentals, high ticket coaching, and even furniture stores! How to know if we service your business? Call or email to speak with a qualified representative today for a free consultation.
The lowest rates, guaranteed.*
Cash Discount gives you the best rate possible
Certain business types can offset part or all of their processing fees with our Cash Discount Dual Pricing Program *Approval required.
Secure, compliant payments.
You can trust MBN to process encrypted transactions accurately & securely… all equipment is PCI compliant and does not store customer card information.
The MBN Guarantee
We’ll beat your current price*
*We guarantee that we offer the most competitive pricing in the industry – or – we’ll provide you an equipment upgrade.
Send us your current processing statement
We guarantee that we offer the most competitive pricing in the industry. If you find a better price or quote, contact us to let us know.
We’ll pay you $100*
*If we can’t beat your current pricing, we’ll pay you.
This is our pricing commitment to you.
What our customers are saying
Real reviews from real customers
“We’ve been using MBN for 10 years. We have their credit card processing system and I like the convenience of being able to use their Gateway service. Their system runs smoothly and I don’t have to think about it.”
– Martin Erin
“Very happy with MBN. We LOVE the cash discount program. They signed us up onto this about 7 months ago. Our processing fees were $2,500 a month minimum. Now we are paying less than $50 a month. Our profit margins are not huge so the extra cash flow really helps a lot. Definitely worth your time to check them out.”
– Amber & Ray of Victory Gymnastic Academy
“I had a merchant service I was using previously, didn’t like him and was having problems with him. MBN called at the right time and I switched. I have had a couple of issues with quick questions and they’ve been very helpful on customer service when I’ve called them.”
– Katie Sharp
“The people from MBN that I was working with for my merchant merchant account kept me in the loop the whole time. I was well-informed, and they have high level communication. I haven’t launched the product yet but it has been a positive experience. I’ve enjoyed everything so far.”
– Alice Sophronia
“I am very happy and satisfied with MBNCard, Inc. So far with all the processing companies I’ve dealt with MBN is the best. Very transparent, very cooperative and very very easy people to deal with. I highly recommend! One of my biggest headaches is gone permanently.”
– Fabi R.
“Extremely competitive rates but more importantly unmatched customer service. Not only at the Merchants call center, but our local Rep, John Bethea, checks on our store in person at least once per month. That’s almost unheard of today!”
– Bill Turner
“We have been customers of theirs for years! Always taking such great care of our business and reminding us that customer service is #1 to them. We wouldn’t go with anyone else.”
– Angela Palmer
“I own a coffee shop in Texas, I talked with Tim L and he introduced me to Merchant Bancard Network, I was not sure if the Cash Discount program would work, I thought it would hurt my business, I was thinking customers would not pay the 4%. Wow I was wrong! My business is the same and has increased by adding the Clover. The Clover does it all. Thanks Tim. Great company great product saving $1200 a month in fees.”
– Justice T.
“They were very kind and fast to resolve my issues. We have been with MBN for a long time already and have their merchant services.”
– Barb Cortez
“The people at MBN have always been very helpful and professional. MBN seems to be efficient and I can go onto their gateway, run reports, and see who did what as far as donations for my non-profit. The only problem I’ve had was that there’s somebody else’s name on a couple of emails that went out. And I sent my rep a text message on my phone, “We need to take this person off of that email and put me on it,” and that’s what happened. I don’t have any complaints. MBN is a great company.”
– Noemi Morton
“Reliable company. The company will correct any issues with patience. They are fair and will get you your money quick! David and Travis are honest and helpful.”
– Gloria Johnson
“I have been with MBN 10 years and have been so happy with the service and rates I will not go anywhere else. Having done my rounds with other Merchant Service Companies best advice I can give is to make the switch and take advantage of great rates and second to none customer service.”
– Chris White
“I think they are great. I’ve been working with them for almost 2 years. Rates are fair. Never had any issues getting my money. Had support available to me 24/7. When I called them last minute to get a second terminal, which I needed immediately, they had it to me before the end of the week.”
– J. Lyftogt
“This is the best credit card processing company ever! We have been using them for over 4 years, great rates and customer service. Highly recommended!!”
– Matthew Stanchfield
“As a new merchant, they made starting my merchant account a breeze, my representative has always been able to answer my questions or quickly get an answer. When we changed locations, they made it all effortless! I refer everyone I know to them, I wish all my vendors made my life this easy!!”