High Risk Credit Card Processing

Our High Risk Credit Card Processing

At UniBul we specialize in providing high-risk credit card processing solutions to both U.S.-based and international merchants, including businesses, which have been placed into the Terminated Merchant File (TMF), also known as MATCH list. We have built a network of acquiring banks across the world, which enables us to serve merchants, which most other processors would have given up on. Moreover, our global network allows us to offer settlement not only in U.S. dollars, euros and U.K. pounds, but also in other currencies.

The high-risk label encompasses a wide variety of industries and circumstances, which means that each application is handled differently. Sometimes, for example, a set-up with a U.S.-based bank is both preferable and achievable, while in other instances an offshore set-up works better. So make sure you tell us exactly what your own circumstances are, so that we can design the right solution for you.

Card Acceptance and Settlement Options

To help ensure that you can honor each of your customer’s payment preference, we offer a wide array of payment options. You will be able to choose among all major credit card brands, including:

You will have your payouts deposited in a bank account at your preferred bank, whether it is based in the U.S. or abroad. Our high risk credit card processing solution supports a great number of different currencies from around the world, which allows you to sell to your customers in their local currency. Some of the more popular choices are listed below:

Application Process

Here is how our process works:

1. To get started, you fill out this application form and email it back to us at [email protected], along with the following paperwork:
   • Processing statements from your existing or latest processor for the latest six months.
   • A utility bill for your business, showing the address stated in your application.
   • Your business bank statements for the latest three months.
   • Incorporation documents for your business.
   • A copy of the owner’s passport or some other national ID.
2. Once we have reviewed your paperwork, we select the acquiring bank, which would be the best fit for your business, based on the provided information. Our primary criteria when selecting an acquirer for you are that they:
   • Have solid experience in your particular high-risk industry.
   • Are reliable and trustworthy.
   • Are discrete in their dealings with clients.
3. We then get back to you, typically within a day or two, with our specific proposal.
4. If you accept our proposal, you sign the processing agreement and email it back to us.
5. We initiate the set-up process and, within a day or two, send you detailed instructions to guide you through it. If you need technical help, we will provide it.
6. Once you are connected to our acquiring system, you are ready to start processing credit cards.

It is important that, before we get the process started, you tell us exactly where your business stands at that point. If your latest merchant account was terminated, tell us the reason. If your business has been placed on the MATCH list / TMF file, let us know. See, these things eventually will come out anyway, but knowing them in advance would save us both precious time. And, whereas we can work with you even if you are on the TMF, the application and set-up processes will be different than normal. So just tell us everything and let us do our work.

What Our Customers Are Saying

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