Your merchant account complications, resolved! We furnish merchant account solutions for all industries.

You run an e-commerce or telephone order/mail order business. You must process credit cards. You need a merchant account, a secure payment gateway, and a payment processor you can trust. Most importantly, you want to get paid. And you can’t afford to spend a lot of time or money figuring it all out.

CoCard has you covered

Our large network of merchant acquiring banks appreciates the true needs of merchants like you – even if you need a high risk merchant account. We provide one of the world’s #1 payment gateway solutions for safe, secure, and PCI compliant processing. And our friendly, knowledgeable account professionals will work with you to find the quintessential payment credit card processing solution for your business.


About Us We Offer Secure, Reliable and Fast High Risk Credit Card Processing.


With our services, your merchant account issues are resolved.

For entrepreneurs like yourself that run an e-commerce or telephone order/mail order business, you need credit card payments processed reliably, securely and quickly; and to do this, you need a merchant account.

We supply a secure gateway and are a payment processor you can trust.  The extremely important aspect of any business is a way to get paid and that is our specialty.

CoCard has you covered

We have an huge and well established network of merchant acquiring banks. We appreciate the true needs of everyday merchants, just like you. We supply the world’s most efficient and secure payment gateway solutions for safe, secure and most importantly PCI complaint credit card processing. Our personable account specialists work with you to find the best payment credit card processing solution for your business.

That’s individual and personalized attention for unique businesses, just like yours.

Our high risk solutions provision fast, reliable and cost-effective merchant account services that enable e-commerce or telephone order/mail order business to succeed and also to expand their business presence online.

Our company was established for the exclusive purpose of helping merchants in obtaining offshore and high risk credit card credit card processing solutions. Today, our company is an industry number on leader in high risk merchant account processors. We not only provide credit card processing for online merchants, but retail and MOTO business as well.

We furnish solutions for business across the U.S. and are ever expanding our globe reach and capabilities to better serve our clients. We invite you to become a part of CoCard family and to start on the road to expanding YOUR business.

Contact us today!


Merchant Account Solutions for All Industries

Let our highly knowledgeable staff help assist find the e-commerce solution that is right for YOUR business.

High Approval Rates

Multi-Currency Accounts

Competitive Fees

Secure Payment Gateway

Acceptance Worldwide

fast, efficent, Reliable Payouts

Merchant Account Solutions for Nearly ALL Online business Categories

For countless years, CoCard has been building its extened network of domestic, offshore, and international acquiring banks. With this wide network we are effortlessly able to provision accounts from high risk to low risk and everything in between.

CoCard services merchant account is custume to e-commerce or telephone order/mail order businesses of all sizes and of all shapes. It matters not whether you are looking for your first online merchant account or are an e-commerce or telephone order/mail order veteran, CoCard will assist you find a credit card credit card processing solution that is right for you and your unique buisness

CoCard has an in-house team of web developers who ensure that our PCI-compliant payment gateway will always keep your transactions reliable, secure and safe and since our payment gateway supports nearly 200 currencies, you can accept credit card payments from customers all over the world.

Acceptable Online Business Categories

High Risk works with online business owners in the following e-commerce or telephone order/mail order industries.


Fast and Painless Merchant Account Approvals and Integration

Once your application is submitted, our underwriting department works fast match your business with one of our amazing and honest banking partners. Typically, this takes three to five business days. Once we receive approval we will send you some forms and ask that you carefully read, sign and finally return it to us. After we receive your forms, we can have you up and running in as little as 24-48 hours.

Need MULTIPLE accounts? CoCard can help

CoCard can also assist you in establishing multiple merchant accounts that are effortlessly and efficiently managed through our payment credit card processing gateway. This enables you to process more online transactions without exceeding your monthly limits. Ask any of our e-commerce or telephone order/mail order account specialists about multiple accounts for your business.

Contact us today: .

How It Work?

The Right Choice

Contact The Merchant Store

What are you waiting for? Contact us today to speak with one of The Merchant Store’s expert account executives; they know the ins and outs of a merchant accounts for businesses in high risk types.

Get Matched through The Merchant Store

Our extened and secure network of acquiring banks permits our account executives to find effective and affordable solutions for e-commerce or telephone order/mail order businesses in all high risk industries.

Start Credit Card Processing Your Transactions with The Merchant Store

When you’re approved through The Merchant Store you can begin accepting credit cards through our payment gateway and get paid. We provision weekly and even daily payouts for our clients.


A merchant account from The Merchant Store is the way to get approved and begin accepting payments online or over the phone for your e-commerce or telephone order/mail order website. Our accounts:



High Risk Merchant Account

Merchant Account for High Risk Industries


Offshore & International Merchants

Credit Card Processing History Not Required

No Volume Caps on Transactions

Multi-Currency Merchant Account

Poor Credit History Not a Peroblem

Online Virtual Terminal Access

What does it mean to be categorized as “high risk?”

There are many cases why a business may be considered high risk. Acquiring banks must determine the risk of each Merchant account before the agree to process credit card payments. Banks do this because they may become liable for fraud or charge backs made against a business. A business may be considered “high risk” for any of the following reasons:

A customer is not present to sign the credit card receipt, often called “card not present credit card processing.”

The business in question is a new start-up without credit history.

Poor or bad credit.

High volume of credit card transactions; over $25,000 per month.

Rapid business growth, from small to medium or high dollar volume per month.

A business in certain “high risk” industries such as: online casinos, payday loan or cash advance.

On average, transactions over $500.

Credit Card Processing payments in foreign currencies.

Foreign Customers.

History of extreme charge backs and customer refunds.

A bank closed merchant account due to excessive refunds, charge backs or other risks.

Merchant Account Payment Gateways by CoCard

Many online retailers who deal within so called, “high risk” industries most often find themselves at odds with banks when they apply to open a merchant account to process online credit card orders. If domestic banks are turning down your merchant account requests for an e-commerce or telephone order/mail order (MOTO) or payment gateway requests because your business is in a “high risk” category, CoCard can help.

Does your business need a credit card credit card processing solution with fewer trading constraint or have changes in your business caused your acquiring bank to close your existing merchant account? If the answer is yes, CoCard is your payment acceptance solution.

CoCard Has Made Approvals in More High Risk Industries Worldwide

CoCard’s business philosophy is that all legal and legitimate businesses deserve the right to accept credit cards online. We even service those businesses in the card not present e-commerce or telephone order/mail order environment. CoCard has developed an all-inclusive, trusted network of offshore and international acquiring banks that enables our Merchant CC Service Account Executives to offer high risk merchant account answers to an ever expanding variety of e-commerce or telephone order/mail order industries.

Features of a High Risk Merchant Account From CoCard

A Merchant Account from CoCard Includes

Credit card payment credit card processing for all major credit cards through our payment gateway.

Fraud protection via our secure payment system.

PCI-compliant payment gateway compatible with most shopping cart software.

Payment credit card processing in over 160 currencies and payment settlement in 18 major currencies.

Live customer and technical support from CoCard Account Executives.

Multiple Merchant Accounts From CoCard

If your business is in a high risk category, applying for multiple merchant accounts with CoCard will likely bring down your business’ risk profile. As an example, if your business is in the high risk category because of high sales volume, multiple merchant accounts from The Merchant Store will enable your business to distribute your sales volumes among your different accounts to decrease your monthly numbers.

The extremely importatant reason your business needs multiple accounts is that in the event that one of your acquiring banks unexpectedly terminates your account due to changes in the industries it serves, you will have a backup account so that your business may continue to accept payments.

What are you waiting for? Call us today to speak to one of our Account Executives today to learn more about opening multiple merchant accounts for your high risk business.


The Right Choice


Contact The Merchant Store

What are you waiting for? Contact us today to speak with one of The Merchant Store’s expert account executives; they know the ins and outs of merchant accounts for businesses in high risk types.

Get Matched through The Merchant Store

Our huge and secure network of acquiring banks allows our account executives to find effective and affordable solutions for e-commerce or telephone order/mail order businesses in all high risk industries.

Start Credit Card Processing Your Transactions with The Merchant Store

When you’re approved through The Merchant Store you can begin accepting credit cards through our payment gateway and get paid. We furnish weekly and even daily payouts for our clients.


CoCard: The RIGHT Choice for YOUR Business

If your business is in a high risk category, finding the right merchant account to meet your business individual needs can mean the difference between failure and success.

A merchant account from The Merchant Store is the way to get approved and begin accepting payments online or over the phone for your e-commerce or telephone order/mail order website. Our accounts:


Am I High Risk?

Countless clients ask our Merchant CC Service Account Executives what exactly makes for a “high risk” rating. Here are some of the reasons that traditional banks may turn down your business merchant account:

Your customers aren’t present to sign the credit card receipt (Card-not-present or CNP).

You’re a new start-up with an unproven credit or credit card processing history.

Bad personal or business credit history.

High dollar of credit card transactions (Over $25,000 a month).

Fast growth from small to medium or high volume.

Your business operates in “high risk” industries, like online pharmacies.

You furnish a free trial followed by a recurring monthly payment.

Your average transaction is over $500.

Your business depends on sporadic sales or seasonal.

You sell to international customers, or intend to process payments in foreign currencies.

You have a history of excessive chargebacks or refunds.

If a bank has closed your merchant account in the past; if you’ve ever provisioned contradictory information on a merchant account application; or if you’ve had complications with customer service or unclear billing descriptions, you may also have a hard time getting a merchant account.


Low Risk Merchant Account

Accept Credit Cards Online with a Processor You Can Trust


Clothing Merchants

Office Supply Merchants

Book, CDs, and DVD merchants

Health and Beauty Suppliers

Pet Supply Merchants

Home and Garden Merchants



CoCard furnishs PCI compliant credit card credit card processing services to e-commerce or telephone order/mail order and retail merchants in a wide range of industries through our secure payment gateway.

From a high risk to low risk merchant account, CoCard has a solution to meet the needs of your business. CoCard has assembled an large network of trusted acquiring banking partners from regions all over the world. This permits our merchant account executives to supply competitive and affordable credit card v rates and fees.



Contact CoCard

You will talk with a friendly and expert merchant account executive who knows the ins and out of online credit card processincredit card processing help assist you to acquire a Low Risk Merchant Account.

Get Matched

CoCard’s trusted network of acquiring banks authorizes us to find a solution for a wide range of low risk e-commerce or telephone order/mail order businesses.

Start Credit Card Processing

Once approved by an acquiring bank, CoCard can have your website up and credit card processing in 2-3 business days and we furnish weekly and even daily payouts for our low risk merchant account clients.




To be Approved For a Low Risk Merchant Account Your Business Must:

Process less than $20,000 per month

Have an average ticket size of less than $50

Use 3D Secure technology

Have a charge back ratio below 1%

Your credit processor hosts your payment page

You operate a business within a low risk industry
    (i.e. online apparel or home goods)

You operate your business from a low risk country
    (i.e. US, AU, Western Europe)

Learn More About a Low Risk Merchant Account

Click on the + to learn more about our low risk merchant account services.

Low Risk Credit Card credit card processing Services

High Risk offers A lot of different merchant account solutions to low risk merchants worldwide. Below are just a few of the features and rewards your business will receive when credit card processing credit cards with us.

PCI Complaint Payment Gateway

Along with low risk merchant account, High Risk offers a secure and safe payment gateway. The interface is easy to use, which makes managing transactions easy. Even if we set you up with several merchant accounts, you can manage all of your MIDs right from our payment gateway.

Credit Card Types

Based on your credit card credit card processing needs, we are able to process the following credit card types: American Express, Visa, MasterCard, China UnionPay, JCB International, Diners Club, Discover, and Maestro.

Supported Currencies

With an international merchant account, low risk merchants can accept credit cards online in more than 160 currencies, including US Dollars, Euros, Great Britain Pounds, Canadian Dollars, Australian Dollars, and Hong Kong Dollars.

3D Secure Credit Card Credit Card Processing

High Risk serves countless businesses in Europe where 3D Secure credit card processing is a common request, which is why we partner with acquiring banks that allow us to furnish you this solution. 3D secure credit card processing adds an extra layer of fraud prevention and shifts the responsibility from merchant to credit card issuing bank.

Offshore Company Registrations

If you need to register your company offshore, High Risk can help. We have a wide range of offshore incorporation partners from countless countries worldwide. By allowing us to facilitate your offshore registration, our merchant account specialists will do the work for you while you continue accepting credit cards without interruptions.

Top-Notch Customer Service

One of the most important services any business can provide is its customer service. At High Risk, you will speak with a real merchant account expert every time you call, and you will never have to deal with automated messages. Whether you have a question about your low risk merchant account, preventing and disputing chargebacks, or your payment gateway credit card processing, our customer service department will always answer your questions fully, and with a smile!

Apply for a Low Risk Merchant Account Today!

To apply for a low risk merchant account, contact us online today or call us toll-free at . One of our highly experienced merchant account professionals will be here tohelp assist you every step of the way.


See All Merchant Accounts

High Risk” Merchant Account for Your Business Needs


International merchants

Multi-Currency Account

Fast Credit Card Processing

No Credit Card Processing History

Bad Credit History

First Time Account

No Volume Caps

Virtual Terminal Access

Easy Interface

As an online merchant, your business DEPENDS upon the capability to accept and process credit cards online. If your online business is in a so called “high risk” category, domestic banks may turn down your request for an e-commerce or telephone order/mail order (MOTO) merchant account because of the type of your business.

At CoCard, we call shenanigans. Does your business need a credit card processing solution with fewer trading rules; or, have changes in your business caused your acquiring bank to close your existing merchant account?

If you answered yes to either of these questions, CoCard has the solution for your business to become competitive and profitable through processing your credit card transactions with us.

High Approval Ratings for “High Risk” Businesses

CoCard believes that all legitimate and legal businesses deserve a fair shot to grow your business by accepting credit card payments online, even those working within the card-not-present (CNP) environment.

CoCard’s trusted network of offshore and international acquiring banks allow us to supply high risk merchant account solutions to a wide range of e-commerce or telephone order/mail order and online industries.

Features of a High Risk Merchant Account From CoCard

Merchants processing credit cards with CoCard benefit from the following:

Credit card payment processing for all major cards, including Visa and MasterCard.

Fraud prevention with 3D Secure credit card processing.

PCI-compliant payment gateway

Compatibility with nearly all major shopping carts.

Credit Card Processing in more than 160 currencies with settlement in 18 major currencies.

Live technical and customer support services.

Safe, secure and reliable credit card processing

Multiple Merchant Accounts by CoCard

As a “high risk” merchant, applying for multiple merchant account may bring down your risk profile by distributing sales volume across multiple accounts. Also, as CoCard offers 3D secure Credit Card Processing, your risk profile may be FURTHER diminished.

Most importantly, if your business has multiple merchant accounts, you can rest comfortably knowing there are back up accounts in case one of your banks changes its service guidelines and drops your account.

Contact CoCard today and speak to an account executive today to learn more about opening multiple merchant accounts to grow your business and become more profitable.

How Does It Work?


Contact CoCard

You’ll talk withhighly expert Merchant CC Service account expert who knows the ins and out of online credit card merchant account processing and can get your business well on the way to better profitability.


Get Matched Through CoCard

Our trusted network of acquiring banks permits us to find a solution for a wide range of e-commerce or telephone order/mail order businesses and can provide your business with the payment credit card processing power it needs to expand.

Start Credit Card Processing Through CoCard

Once your business is approved by an acquiring bank, CoCard can have your website up and merchant account processing credit card payments in as little as 2-3 business days and we supply weelky or daily payouts for our clients to make sure you have the capital to keep growing.

The Right Choice

If your business is a high risk internet merchant, finding the ideal merchant account can mean the difference between failure and success.

CoCard is an excellent solution to meet your needs:

CoCard does not require large upfront deposits.

CoCard does not charge excessive setup fees.

CoCard does not restrict the merchant’s processing sales turnover.

CoCard does not charge double-digit discount rates.

Contact CoCard TODAY:


Card Not Present Merchant Account

card not present Merchant Account

Card Not Present High Risk Merchant Account

When you own your own online business, that means you have to be able to accept and process credit and debit card payments through an e-commerce gateway. With a merchant account from CoCard, your business will be able to accept payments from customers worldwide; quickly, safely and securely. Having a card not present merchant account through CoCard willhelp assist your business grow and become more profitable.

What is card not present merchant account?

A CNP, or card not present account, is a limited type of bank account that lets merchants accept online credit card payments. This type of bank is called an acquiring bank, and they specialize in merchant accounts that accept payments online, over the phone or by mail.

When a cardholder submits their payment via ACH check, debit card or credit card, as payment for a purchase through your online store, the credit issuing bank either approves or denies their transaction. If denied, a message a shows upon the payment page to alert you. If the transaction is approved, the funds are then transferred to your business checking account based on your payout schedule.

Challenges of getting a card not present merchant account for your online business

When operating an e-commerce or telephone order/mail order business, there are a lot of snags one may encounter including acquiring a credit card processing merchant account. Without a card not present merchant account, your business has very limited options for accepting credit cards online, over the phone or by mail. The main problem is that acquiring banks, those that process credit card transactions, consider your online business to be a higher risk when your customer is not present to sign their receipt in person.

CoCard’s solution

CoCard’s established network of offshore acquiring banks has liberal underwriting policies that benefit those businesses that may be in the high risk category. This enables us to approve high risk card-not-present merchant account andhelp assist you grow your business. With our solid banking infrastructure, we can take even more credit card merchant account processing risks and thereforehelp assist you to accept even more transactions. For card-not-present merchants with limited or no credit card processing history, CoCard also offers third-party credit card processing options.

CoCard’s High Risk Merchant Accounts Offer:

Offshore account

Adult merchant account

Online pharmacy merchant account

Penny auction merchant account

Forex merchant account

Mail order & telephone order (MOTO) merchant account

Payday loan merchant account

MLM merchant account

CoCard’s professional account executives make applying for a card not present merchant account simple, safe and affordable. Contact us today! CoCard today at to speak to one of them now.

At the Merchant CC Service we want to grow your business by helping you in locating the right acquiring bank solutions that are right for your business.


MOTO Merchant Account

Accept Credit Card Transactions through a Secure, Safe Virtual Terminal


Fast Approval Process

Create Multiple Users

Timely, Reliable Payouts

Affordable Service Fees

PCI Compliant Gateway

Multi-Currency Accounts


When looking for a card not present merchant account, you have to decide if a MOTO merchant account is right for your business mail order or telephone order business. CoCard offers MOTO merchant account solutions that authorize your business to accept credit cards by manually entering them into our payment gateway by means of CoCard’s virtual terminal. For qualifying merchants, CoCard can provide MOTO merchants with access to its virtual terminal at no additional cost.


Contact High Risk

You will talk with a highly experienced merchant account expert who knows the ins and out of online credit card merchant account processing for the MOTO merchant account.


Get Matched

Our trusted network of acquiring banks authorizes us to find a solution for a wide range of e-commerce or telephone order/mail order businesses and will match you with a bank that can provision the best possible MOTO merchant account solutions for your MOTO business.

Start Credit Card Processing

Once approved by one of The Merchant Store’s acquiring banks, our account executives can have your MOTO website up and credit card processing in 2-3 business days via a MOTO merchant account.


Find Out More About Low Risk Merchant Account

Click on the + to learn more about our low risk merchant account services.

Mail Order & Telephone Order Credit Card Payment Options

CoCard provides a variety of MOTO payment credit card processing options to businesses in a wide range of industries and specializes in obtaining you a MOTO merchant account to:

-As Seen On TV Companies

-Mail Order Catalog Companies

-Telemarketing Sales Floors

-and More!

With CoCard’s MOTO merchant account, your online or telemarketing business can accept MasterCard, Visa, and Maestro card transactions as well as ACH and debit card purchases.

Your business will also be able to accept virtual terminal transactions in multiple currencies with a MOTO international merchant account.

What are you waiting for? Contact us today: .

High Risk PCI Compliant Payment Gateway

With the increase of online cyberattacks and Fraud, one of our first concern is maintaining our PCI compliant payment gateway that enables our MOTO merchants to process secure, safe virtual terminal transactions. Our in-house team of developers built the High Risk payment gateway to protect your business as well as your customers’ credit card information from theft and fraud.

Along with our virtual terminal, additional features of the High Risk payment gateway include a statistics page that authorizes you to search historical orders as well as a transaction page that allows you to pre-authorize, cancel, and monitor current transactions.

The awesome part about our gateway is that you do not need to download software or purchase credit card processing equipment. The High Risk payment gateway is is all online, which means you can access it from any Web browser with an Internet connection.

Free Access to Our Virtual Terminal

Our MOTO merchant account come complete with access to our virtual terminal that allows your employees to manually enter credit card information for online credit card processing.

Create Multiple Virtual Terminal Users

Our MOTO merchant account approves users who operate call centers to create multiple virtual terminal users with payment gateway access.


Sign up today!


CoCard Provides High Risk Merchant Accounts with Competitive Rates for Virtually All Business Types, Including Forex Brokerages, Gambling, Adult Entertainment, and Payday Loan Brokerages. We Provide Solutions for Business across the United States and Globally. We are ever Expanding Our Reach and Capabilities to Better Serve Our Clients throughout New York.