Low Risk Processing

What is a Low-risk Merchant??

E-commerce nowadays is evolving and accepting online payments is a must to keep up with the business trends. Credit card processors assign merchants to one of the two categories- a high risk or low risk based on these general risk factors.

Type of Industry

Payment processing history
Country of incorporation

Don’t know if you are labeled as low risk? Here are the general indicators for low-risk merchants set by payment processors:

Average credit card processing transaction less than $500
Average ticket size less than $50
Card present transactions are 80 to 85% (rather than online or card not present)
Good to High Credit score range (from 750 and higher)
Less than $20,000 monthly sales processed
Low-risk country of Business incorporation and operation (EU countries, USA, Canada, Australia, Japan)
Low to zero credit card chargebacks
Low-risk industry or business (Low chargebacks and friendly fraud)
Minimized to zero returns or refunds
Process less than $20,000 per month

List of Low-risk industries or businesses:

New/Used Auto parts stores
Brick and mortar retail stores
Bookshop online
Copywriting services
General Equipment Rental
General office supply stores
Low to zero credit card chargebacks
Health and wellness products
Household products

Online Beauty Supply Store
Online low-risk apparel
Pet supply online store
Residential/Commercial moving and storing service companies
Service business
Tutorial Services
Virtual Assistance service

At My Umbrella Tree, we are a leading provider of payment processing services, enabling our clients to accept a full suite of payment forms, including: credit cards, debit cards, checks, and gift and loyalty programs.