Visit Site. Since account providers consider high-volume merchant accounts to be at higher risk, you will pay more for your credit card processing. Find a high-risk processor who will accept you as you are. Authorize. Businesses that need a regular cash flow can request same-day funding for no extra fee. You have a zero to low-chargeback ratio. 1 1. The merchant sells to countries that have a high level of fraud. These credit card payment processors offer merchant services with reasonable costs, accessibility, transparency, and good overall value. 5 Cheapest Credit Card Processing Companies In 2023. However, PaymentCloud also handles payment processing for medium- and low-risk businesses. Vape and E-Cig Merchant Accounts. It is the acquirer’s responsibility to monitor a merchant’s compliance and ensure that High-Risk Merchant Account vs. Often called wholesale or base fees. 5 in our rating of the. It also comes in at No. : Best for low. Therefore, high-risk merchant accounts vs. You may also end up paying for a long list of services such as PIN debit network fees, payment gateway fees, monthly account fees, and more. You will need to either find another way to accept payments (such as becoming cash-only), or sign up with a high-risk merchant processor who will accept you. 2. It also covers essential gateway features and how to find a high-risk payment processor. If the industry your business is in or the products you sell is the reason why you're considered a high-risk merchant, there is not much you can do to change that (outside of changing your business, of course). When you submit your application, you’ll get an instant price quote to DocuSign. Moreover, you would require a trustable payment processor to receive credit card payments. Your customer pays for your goods or services with a credit card using your POS equipment, a virtual terminal, or a mobile app. Stripe Payments: Best For eCommerce Businesses. Each credit card payment platform is unique, but high-risk merchants will face higher rates across the board. Before you can get approved for an account with a credit card payment processing company, they’ll decide if you’re a low or high-risk merchant. - Provides full service merchant accounts for high risk and non-high risk merchants. Our specialization in UK high. PayKings (Merchant Payments Acceptance Corp LLC) is your powerful partner in global transaction Low, Medium, and High Risk Merchant Accounts processing solutions through US acquiring banks and. Companies like Shark Processing help merchants expand their reach globally and tap into new markets, offering convenient payment options to customers worldwide. Many of these items will fall off a report on their own after seven years. A competitive payment processing fee for a standard retail small-business account might be 2. You can expect to pay a flat monthly fee of about $9. Why Are We #1? Because every client gets three guarantees (whether you sell online, over the phone, or in a retail. Third-Party Processors vs. - Advertisement -. These are just some of the many dedicated merchant accounts High-Risk Processor offers. Multi-currency processing: High-risk merchant accounts in Europe frequently offer this feature, which can be very important for businesses doing business internationally. SMB Global is a merchant service provider partner of Payline Data, a popular and reputable low-risk processor. Some are top-rated third-party processors suitable for low-risk businesses, though we also included a couple traditional merchant account options that offer same-day approval. 5 Cheapest Credit Card Processing Companies In 2023. $1,000,001+. Higher set-up fees: High risk comes at a price and the price is that you pay more in setup fees. Flagship Merchant Services:. A high risk industry is a sector of business that banks categorize as riskier due to potential issues with their payment processing. This payment service provider makes high-risk merchant accounts accessible to businesses considered high-risk, like tobacco and e-cigarette sellers, credit repair companies, online liquor stores, and more. High-risk businesses can expect processing rates of 3. Read Review; PaySafe. PaymentCloud: Best For Nonprofits Considered High-Risk; 5. The best credit card processing companies of 2023 include SquareUp (best for small businesses) and Stax (best for subscription-based pricing). Bespoke Bancard Solutions specializes in payment technology and merchant services. has a solution for you through our direct merchant processor and gateway partners, we can provide you with end-to. These areas implement a strict security standard which is highly important to processors. Interchange fees are set by Visa, Mastercard and other card brands. On the other hand, low risk merchant accounts. Our low-risk merchant accounts are perfect for nearly any industry, including: Convenience Stores Specialty Retailers Low-Risk E-commerce Clothing Boutiques Auto Dealers. Chase Payment Solutions Canada: Best Large, Direct Payment Processor. They will categorize your company as low risk in certain cases, such as when: Your business processes transactions worth less than $20,000 each month The average ticket size for your business is. High-risk. A high risk merchant needs specialized attention from payment processors and banks, whereas low and mid risk merchants can find basic support with most traditional institutions. High-risk merchant accounts are assigned to a business for a number of reasons, some of. Helcim is a fantastic choice for small businesses looking for low rates and no monthly subscription fees. They were re-assigned to the more-accurate MCC 5999. PayPal: Best for range of accepted payment types. PayPal: Best For Seasonal Or Low-Volume Businesses. You are incorporated in a low risk state. The application process for high-risk payment processing can be time-consuming and require extra effort. Stripe: Best for customizing checkouts. ColorCo is comprised of only true industry experts who have 10+ years of industry experience. 05%-0. 17 According to the article entitled "Merchant Acquirers and Payment Card Processors: A Look Inside the Black Box," authored by Ramon P. INT + 0. Businesses classified as low-risk typically operate. Helcim, Square, Clover, Stripe, PayPal, Shopify, Chase, Stax, Payline and Dharma make our list of best payment processing companies for small businesses. National Processing: Best Nonprofit Credit Card Processor For Low-Cost ACH/eCheck Processing; 4. Actum Processing offers processing for high-risk merchant accounts as well as businesses with a lower level of risk. 5% with a fixed fee per transaction of 10¢ to 50¢. 2. Generally speaking a low risk business is a safer bet for a long term investment for the processing company. In the United Kingdom, it is roughly 3. Seven tools to select a merchant processor who will save you money, time, and enhance your business through superior products and services. There’s a processing volume limit that, if reached, can freeze your funds and possibly result in account termination. 5. WRITTEN &. Keep Your Average Credit Card Charge Low. If a merchant clears $20,000 per month and/or an average transaction over $500 they are considered high risk. As your Store starts to get hit with chargebacks , your fees significantly increase and can get your merchant account frozen or terminated, especially when working with low-risk processors such as Shopify Payments/Stripe. A high-risk merchant is a company with which most credit card processors will not do business due to the merchant’s potential for fraud or high customer dispute volumes. Visit Site. Signature Payments is the #1 payments company in the industry of high risk vape and E-Cig merchant accounts. High risk merchant accounts come with higher transaction fees, stricter underwriting requirements, rolling reserves, and limited processing options. Most companies apply for a merchant account by contacting a financial institution. Some examples of merchant services providers. 10 per transaction (low-risk accounts) Processing rates vary by the acquiring bank/back-end processor (high-risk accounts) $15/month account fee (low-risk accounts). They range from $10 to $50 for most companies. Regular low-risk payment processors place limits (for spend and currency) on card transactions that can hinder growth. In other cases, processors may give a company an account, but quickly close it because of too many transactions. Payment processors typically quantify transactions into low, medium, or high-risk categories. You can find a business's MCC by calling your processor, reviewing your card statement or by calling the number on the back of your card. Low-risk merchant accounts take two working days to get approved. Host Merchant Services: Best for large high-risk businesses. High-risk credit card processing basically refers to the acceptance and handling of card transactions of businesses operating in industries associated with a higher risk of chargebacks, fraud, and financial instability. Fees are the main tangible difference between a high and low risk merchant account. This can rage anywhere from 5-20%. These Are the Best Online Payment Processors in 2023. High risk processing merchant account fees will vary for every Merchant Service Provider (MSP). HMS offers the best high-risk merchant accounts for brick-and-mortar businesses that cannot qualify for a commercial credit card. It should be noted that there are low risk merchant accounts. Processes less than $20,000 monthly. Here is a list of the most popular payment providers in the market. A high-risk business is one that is considered by banks and low-risk processors as most likely to fail financially. Square: Best for point of sale (POS) Payment Depot: Best for flat-rate pricing. 08-$0. 50% + $0. In that case, you may qualify for low-risk solutions and rates. 95, depending on your plan. Although they typically work with many types of high-risk industries,. 5% - 5%. Square: Best For New Businesses. The company has a positive reputation for transparent customer service and reliable support. With Leaders Merchant Services (LMS), you’ll benefit from a high approval rate, easy setup, and a broad feature set, ensuring a seamless credit card processing setup regardless of your industry. Just as importantly, the criteria that determines what low-risk is needs to be addressed. Payment processors have different guidelines but have common factors around their market. Based on various characteristics, credit card processors divide merchants as either high risk or low risk. Free equipment & software* 100% transparent & low pricing. 2% to 3. The term bad credit merchant account simply means a merchant. Competitive credit card. The 7 Best ACH Processing Companies. The general features of low risk merchants include the following; Have a processing history of less than $20,000 per monthAnd, while it charges $200 per month for “enhanced merchant monitoring and due diligence,” high-risk merchants can access many payment processing options competitors offer to low-risk merchants. A lot of standard merchant accounts have no contract. A high-risk merchant account is a special type of payment processor created for businesses with a higher risk of chargebacks and fraud. The eCommerce credit card processing providers on this list serve high-risk, high-volume, low-volume, international, or new businesses, among other criteria. 50% for offshore, 0. e. What Is A High Risk Merchant Account? Initially, when you apply for a merchant account, you will be required to submit both tax and business information as well as undergo a credit check. Need a Merchant Account for your CBD Online Store? High Risk Merchant Account & Payment Gateway Provider⚡ Instant Approval Contact us ☎ (800) 956-1277. Treati. However, these two accounts vary. Moreover, this article will explain how high risk merchant accounts can be and. As an employee-owned company, ColorCo first saw a need for change in the processing industry back in 2014 when many of its owners/employees were. A high-risk merchant account means payment processors and card networks view the company as being more likely to default on its payments, suffer high levels of chargebacks, or even commit fraud. Standardized fees so you’re never surprised by a higher-than-usual cost. Zero or low chargeback ratio. Moonlight Payments Overview. With most buyers inclined to pay with a card, a Spanish merchant account is a no-brainer for businesses that want to keep their products and services accessible. Low Risk Vs High Risk Payment Processing refers to the two categories of payment processing that businesses can choose from based on the level of risk associated with each transaction. Get a free card swiper from Square at no cost when you create a free account. 3. Compared to a regular account, a high-risk merchant account will have the following: High-risk merchant accounts are designed to serve businesses that are unable to secure a standard, low-risk credit card processing account. The ability to process credit card payments is a critical factor in your success. 95 USD ($18. The increased processing costs that high-risk merchant accounts are required to pay are a form of compensation for the risk that the payment processor is taking on. Individuals who apply for payment processing through a bank who happen to have a credit score of 580 or less are considered bad credit merchant accounts. Our risk department is in place to determine risk levels on merchant accounts. Read more from Sally Lauckner. In other cases, processors may give a company an account, but quickly close it because of too many transactions. Even high-risk merchant processors have specializations. Finding the best ACH payment processing companies for your small business often comes down to selecting a reputable company that can provide both ACH and credit/debit card processing in a single package. When it comes to credit card payment processing, you might have difficulty getting approved for a high-risk merchant account depending on what vertical you fall in — but it can also be due to a history of fraud, a low credit score, or a high ratio of chargebacks. But, if you choose a low-risk processor, then you have many. Stripe. Accepts high-risk merchants. Easy Pay Direct is a payment gateway and merchant account provider that serves a wide variety of high-risk and low-risk industries. FOR EXAMPLE Pharmacy A merchant provided MCC 5977. 0 fraud filtering and deterrent software. Credit repair works for many consumers. The flat rates are: Domestic credit and debit card payments: 2. PAYARC – A great option for subscription-based businesses looking for advanced security. Price: 2. High transaction volume. 20. - No early termination fee even for high risk businesses. Other examples of high-risk businesses include bail bonds, electronics, and credit repair companies. When a merchant is processing too much in a given month, it can be a red flag for fraud or incoming chargebacks. As such, they can expect payment processing to cost more than for a low-risk business. This label is often due to the. In general, low-risk retailers have: The volume of sales is typically under $20,000 per month. Next steps When you're ready to open up a merchant account, speak to a few merchant service providers to find the one best suited for your particular business and the. Plus, you are low-risk if your average credit card processing amount is less than $500 per transaction. High Risk Merchant Account – Get Approved in Under 24 Hours. High-risk Payment Processing for Your High-risk Businesses Nov 30, 2022 Explore topics Workplace Job Search. 95% for every transaction compared to 0. A high-risk merchant account is a merchant account for businesses that pose a high risk of fraud and chargebacks by the processor. However, you can also use the EPD Gateway with. High-risk vs. This includes a higher initial setup fee, as well as regular monthly fees that can be double those for a standard merchant account. It offers the lowest monthly pricing we’ve come across so far at $13. These are the unavoidable, base-level costs of processing credit cards. 9% this year. A high-risk payment processor that offers multi-currency support and multi-payment mode and reduces the risk of merchant issues is key for any business. Features of an Excellent Gun-Friendly Payment Processor. With regulations on payment processing getting more strict, you will need a solution you can rely on. 02. If your business is primarily online and accepting payments at any given time, having round-the-clock support and easy setup ensures minimal downtime and a fast response to any issue. Clearly Payments Review - February 6, 2023. Ideally, keep your average credit card charges below $500. k. Credit Card Processing. Over the years AdvantageProcessors. Offshore merchant accounts are accounts whose payment processors and acquiring banks are located outside your country or the essential business operations area. Leaders Merchant Services: Best for Small Businesses Interested in Cash Advances and Loans 3. Cashback and reward points for certain merchant categories must. Call us Toll Free (866) 509-7199. Square: Best overall. Other factors that are observed are just how heavy the business. High risk merchant processor highriskpay. In a nutshell. Merchant Accounts for businesses are classified as risky for many reasons, including brand new business, poor credit history, operates in a high risk industry, processes a high volume of transactions or high ticket transaction values. Definition of Low Risk Merchant. Low-risk rates, as low as $99 per month and $. When a merchant is processing too much in a given month, it can be a red flag for fraud or incoming chargebacks. 3. 1. There’s a processing volume limit that, if reached, can freeze your funds and possibly result in account termination. The usual process involves approaching a payment processor and applying for a. 06. Claims made by payment processors to “pre-approve” or “instantly approve” high-risk merchants within 24-48 hours are very misleading. Low-risk merchants also. Some local PSPs may. Most processors spike their rates quarterly, and some even do it as often as a monthly rate increase. Square will allow these companies to use their service and offer steady rates. With us, you do not have to pay high account fees as we know the challenges of running a business and are invested in being the partner you can count on for all your payment processing needs. You can expect to pay on average ~$100 per month for a high risk merchant account, on top of a $500 credit card. Each processor and acquirer calculates risk differently. These risks could range from a high likelihood of chargebacks and fraud to legal. Accept payments in your business via credit cards, online, or mobile options. Low-risk merchant accounts are generally easier to obtain, with less stringent underwriting requirements and lower risk tolerance. High Risk Vs Low Risk Merchants. within seemingly “low-risk” MCCs. What We Look For in the Best Instant Funding Credit Card Processing Companies 1. Read our Review. But the type of fee structure and monthly fee will ultimately have the biggest effect on lowering your credit card processing fees. PayKings is the preferred adult merchant account provider in the adult industry. Now let’s take a look at low-risk merchants. Unsurprisingly, their business indeed sells fireworks, which are associated with higher risk. Leaders Merchant Services – Affordable free credit card processing and budget-friendly custom pricing for low-risk small businesses. It has chargeback prevention features (including an auto-response feature to fight chargebacks quickly) and two popular payment gateway options—and each. Most customer reviews praise the lack of fees and the ease of processing. Whether you’re new to e-commerce or have been in business for years, we provide answers to your merchant account needs. Support for online sales. Processing Fees: High-risk accounts have higher processing fees than low-risk accounts due to the greater risk of chargebacks and fraud. 1% for low-risk merchants. Business acceptance of credit cards is. Market-leading risk and fraud protection. PaymentCloud: Best For High-Risk eCommerce. Merchant One is the best credit card processor with easy and fast approval due to its 98% approval rate. Opting for a low-risk merchant account provides multiple advantages, such as lower processing fees. A low-risk merchant account needs to meet many requirements, including a smaller number of transactions, low chargebacks, and low revenue. Square: Best For New Businesses. Each merchant service provider received a rating based on over 50 data points. Our payment gateway services give you access to information regarding your merchant account solutions. eMerchant Broker approves 99% of the applications from low and high-risk merchants. High-risk businesses are also more likely to have returns, refunds, and chargebacks. Durango Merchant Services has been in the payment-process game for over two decades. Keep Your Average Credit Card Charge Low. And with evidence showing that 75% of eCommerce businesses saw an increase in fraud attempts in 2021, it’s more important than ever to understand high-risk transactions, as. 1. The best merchant services are companies that offer a wide variety of payment options, low fees, and easy-to-use hardware and software for effortless payments. 00:03. The first difference between high and low-risk merchant accounts is the application process. Merchant One’s competitive rates range from 0. com has been providing payment gateway services. Card-not-present fraud is a type of credit card scam where the customer doesn’t physically present a card to the merchant during a fraudulent transaction. Customer support for point of sale (POS) transactions. Interchange + 0. PaymentCloud – Perfect for high-risk online businesses that need personalized support. High risk and low risk. These industries face concerns like high chargeback rates, MATCH listings, or fraud. What Underwriters Look For When Approving European Merchant AccountsHigh Risk & Low Risk Merchant Accounts. 3% plus interchange if you’re. low-risk merchant accounts have become an essential topic as various factors can determine your risk level as a. High-risk businesses are charged greater processing fees than low-risk enterprises to determine the interchange cost they will pay. Being labeled as high-risk means that your business has a high likelihood of experiencing chargebacks. High Vs. 5 To ensure effective risk management, banks that initiate transactions for processors should require the processor to provide information on their merchant clients such as the merchant's. Merchant category codes — or MCCs — are four-digit. Most high-risk processing providers don’t disclose a standard rate for their clients, as they tend to tailor the price to the particular business. On the flip side, there also are low-risk merchants which usually exhibit the. 3. Leap Payments will lower you rates from any competitor. We understand the nuances of different business models and leverage our deep connections with acquirer banks to get you the lowest rates guaranteed. Processing costs for every sale will be higher in general, sometimes more than twice those for low-risk merchant accounts. No offline paperwork, no faxes, no waiting. A high-risk merchant account is a type of business bank account set up by a payment processor that allows merchants to accept credit and debit cards for their business, even though they have been labeled as a high-risk business by a previous processor or payment service provider. Let’s take a look at what such merchants generally have: Low transaction volume — less than $20,000 per month; Average transaction value — less than $500; Transactions in one low-risk country ; The. A high-risk merchant account is a payment processing service for businesses that banks consider riskier than standard accounts due to a high volume of chargebacks, financial instability, history of frauds, bad credit rating or other reasons which we will discuss in this article. In the event that you’re considered a high-risk merchant, you’ll have to pay a premium. We process thousands of new accounts a year, and have very satisfied customers. A high-risk merchant account is a subset of the services that make it possible for companies operating in high-risk sectors to accept credit card payments from their clients. Some examples of low-risk merchant accounts are gas stations, grocery stores, pet stores, auto part stores, and parking garages. Credit Card Processor Reviews; High Risk Merchant Account Reviews; Mobile Processing App Reviews; Online Payment Processor Reviews; Credit Card Reader & Terminal Reviews;. High-risk Merchant Account Vs. Even though low-risk merchants also pay a chargeback charge (an expense you pay when a client disputes the charge directly using the credit card they use) However, high-risk merchants usually have higher charges for. However, compared to low-risk merchants, high-risk merchants typically pay higher fees. Seamless Integration. Fortunately, at Shark Processing, we specialize in high-risk payments and can assist you in opening a high. Enjoy credit card processing solutions, a secure payment gateway, credit repair, a virtual terminal, etc. Certain industries are low-risk when it comes to processing credit cards, while others are high-risk. Use the Cheapest Payment Processing Methods and Card Types as Much as Possible. Learn More . Instead of requiring a contract, the company. Opening a merchant services account can require a number of documents to help the bank and its underwriters determine both the business and the. The 10 Best Online Credit Card Payment Processors For Small Business. Meet the financial technology platform. It’s ideal for small businesses with less than $50,000 in annual credit card transactions. Forex and gaming merchants must also have relevant permits to use an European high-risk merchant account. 15% + $0. Accepting payments online is a must for any business wanting to compete in the e-commerce market. This high level of chargebacks means merchant account processing will require more work, resulting in higher fees to cover these expenses. MENU MENU. This includes the merchant, the credit card company, and the bank that issues and finances the card. A few general characteristics that constitute a low-risk merchant to a payment processor include: Low transaction volume (less than $20,000 per month) Average transactions under $500; Business in one country that is labeled low risk (the U. These high-risk merchant fees are designed to cover any additional costs and losses that a high-risk merchant processor may acquire by approving certain merchants for high-risk merchant. Merchant services include payment processing, merchant and business bank accounts and point-of-sale solutions. Besides high-risk merchant account providers, there are low-risk merchant account suppliers. Get a. Once you receive approval, find a compatible payment gateway to connect to your merchant account—this will allow you to accept online payments on BigCommerce’s platform. Aside. Not the best credit card processing option for low-volume businesses; 7. The reason is simple: Everyone in the payment chain (except for the customer) loses money in a chargeback. Some are top-rated third-party processors suitable for low-risk businesses, though we also included a couple traditional merchant account options that offer same. 95%. THE MERCHANT ASSOCIATES DIFFERENCE. What are the differences between low-risk and high-risk merchant accounts? Low-risk merchants: Often process less than $20,000 per month in credit card transactions; Process credit card transactions for typically less than $500; Have very few chargebacks; Have minimal returns; Only do business in low-risk countries; Alternatively, high-risk. Stripe: Best Nonprofit Credit Card Processor For Advanced Customization; 6. We understand the unique needs of the varying types of adult businesses. Show Summary. Stax by Fattmerchant. High-risk merchant. net: Best for fraud prevention. On the other hand, a business might be deemed high risk because of the industry in which it operates, i. Stripe: Best for international payments. They’ll review. Low risk accounts also use a single form of currency in all of their transactions (payments or otherwise). A voided check, or other proof of bank accounts such as a signed bank letter or barring that, your bank’s routing number and your bank account number. Read Full Story. A high-risk merchant account is a business account or merchant account that allows the business to accept online payments though they are considered to be of high risk nature by the banks and credit card processors. However. A merchant account for bad credit can, therefore, be opened for low and. In this case, then you may need to find a payment processor who specializes. Our specialization in UK high. Visit Site. Research alternative payment processors and find one that is willing to work with you. PaymentCloud: Best For Nonprofits Considered High-Risk; 5. 8. Besides high-risk merchant account providers, there are low-risk merchant account suppliers. Operating in the eCommerce space requires a way to accept payments online. Due to the perceived financial risk to banks and. . This gives many merchants the opportunity to fix problems from previous processing partnerships and work towards a low-risk merchant account. SMB Global is a merchant service provider partner of Payline Data, a popular and reputable low-risk processor. Some are top-rated third-party processors suitable for low-risk businesses, though we also included a couple traditional merchant account options that offer same-day approval. Give us a call 800. SMB Global exclusively deals with high-risk and international businesses. There are several common characteristics that make a merchant low risk to a payment processor. Stax by. Leaders Merchant Services: Best ACH Processor for New Businesses 2. The. Solutions for High Risk Businesses. A low-risk merchant account, among other things, usually has these. , cannabis or. 15% + $0. Higher risk accounts may have to implement more stringent verification processes or pay higher transaction rates in order to accept payments. Opting for a low-risk merchant account provides multiple advantages, such as lower. Doesn’t matter whether your business model is classified as high-risk; if you have a bad credit score, you have to go for the high-risk merchant account, high-risk payment processors and high. Credit card processing fees are higher. Not to mention, it has an A+ BBB rating so you know it's a trusted brand. 25% + $0. In order to easily tell if a business is considered low-risk, some parameters are outlined below. PaymentCloud: Best for high-risk businesses. MERCHANT ACCOUNT. The costs for credit card processing will depend on the merchant services provider that you choose. 5% - 5%. High-risk merchants will pay significantly higher fees to their acquirer for the right to process cards. Host Merchant Services offers true month-to-month billing with no long-term commitment to all low-risk businesses. . The merchant account provider will approve your application if you fall into its low-risk. Whether you are looking for high-risk merchant processing services or a low-risk merchant services, it all comes down to risk. Authorize. This pricing is very good in the high-risk processing world. You will be labeled as low or high-risk when you apply to open a merchant. Although they’re expensive, they allow companies that would otherwise have to operate on a cash-only basis to accept credit and debit cards, ACH transfers, and other payment methods. Helcim is a fantastic choice for small businesses looking for low rates and no monthly subscription fees. Interchange fees are set by Visa, Mastercard and other card brands. PayPal: Best For Seasonal Or Low-Volume Businesses. PaymentCloud: Best For High-Risk eCommerce. PayPal – Best for a pay-as-you-go pricing structure. Opting for a low-risk merchant account provides multiple advantages, such as lower. Unlimited Earning -. Aggregators are playing the safe game and want low-risk merchants with low-risk transactions.