Your merchant account dilemmas, cleared up! We offer merchant account solutions for all industries.

You run an telephone order/mail order or e-commerce business. You have know choice but to process credit cards. You need a merchant account, a secure payment gateway, and a payment processor you can trust. Most importantly, you have 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 huge network of merchant acquiring banks gets the genuine needs of merchants like you – even if you need a high risk merchant account. We supply one of the world’s best choice payment gateway solutions for safe, secure, and PCI compliant processing. And our friendly, knowledgeable account experts will work with you to find the perfect payment merchant account processing solution for your business.


About Us We Offer Secure, Fast and Reliable High Risk Merchant Account Processing.


With our services, your merchant account difficulties are cleared up.

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

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

CoCard has you covered

We have an all-inclusive and well established network of merchant acquiring banks. We get the true needs of everyday merchants, just like you. We furnish the world’s number one most efficient and secure payment gateway solutions for secure, safe and most importantly PCI complaint merchant account processing. Our personable account consultants work with you to find the best payment merchant account processing solution for your business.

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

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

Our company was established for the one purpose of aiding merchants in obtaining high risk and offshore credit card merchant account processing solutions. Today, our company is an industry #1 leader in high risk merchant account processors. We not only supply merchant account processing for online merchants, but MOTO and retail business as well.

We offer solutions for business across the United States 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 growing YOUR business.

What are you waiting for? Call us today!


Merchant Account Solutions for All Industries

Let our friendly accomplished staff help aid 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 Types

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

CoCard services merchant account is custume to telephone order/mail order or e-commerce businesses of all shapes and of all sizes. It matters not whether you are looking for your first online merchant account or are an telephone order/mail order or e-commerce veteran, CoCard will aid you find a credit card merchant account 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 secure, reliable 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 Types

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


Painless and Fast Merchant Account Approvals and Integration

Once your application is submitted, our underwriting department works instantly match your business with one of our awesome and trustworthy banking partners. Usually, this takes three to five business days. Once we obtain approval we will send you some documents and ask that you carefully read, sign and finally return it to us. After we receive your documents, 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 simply and efficiently managed through our payment merchant account processing gateway. This allows you to process more online transactions without exceeding your monthly limits. Ask any of our telephone order/mail order or e-commerce account specialists about multiple accounts for your business.

What are you waiting for? Call us today: .

How Does It Work?

The Right Choice

Contact The Merchant Store

Call 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 categories.

Get Matched through The Merchant Store

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

Start Merchant Account 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 offer 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 telephone order/mail order or e-commerce website. Our accounts:



High Risk Merchant Account

Merchant Account for High Risk Industries


Offshore & International Merchants

Merchant Account 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 a large number of causes why a business may be considered high risk. Acquiring banks must judge the risk of each Merchant account before the agree to process credit card payments. Banks do this because they may become liable for charge backs or fraud 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 (CNP) merchant account processing.”

The business in question is a new business without credit history.

Bad or poor credit.

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

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

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

Average transactions over $500.

Merchant Account Processing payments in foreign currencies.

Foreign Customers.

History of undue customer refunds and charge backs.

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

Merchant Account Payment Gateways by CoCard

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

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

CoCard Has Gotten Approved in More High Risk Industries Worldwide

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

Features of a High Risk Merchant Account From CoCard

A Merchant Account from CoCard Includes

Credit card payment merchant account 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 merchant account processing in over 160 currencies and payment settlement in 18 major currencies.

Live technical and customer 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 drop 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 lessen your monthly numbers.

The most important 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 maintain accept payments.

What are you waiting for? Contact 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

Call 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 categories.

Get Matched through The Merchant Store

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

Start Merchant Account 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 provide 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 success and failure.

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


Am I High Risk?

Many 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 reject your business merchant account:

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

You’re a new business with an unproven credit or merchant account processing history.

Bad business or personal credit history.

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

Quick growth from small to medium or high volume.

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

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

Your average transaction is over $500.

Your business depends on seasonal or sporadic sales.

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

You have a history of excessive chargebacks or refunds.

If a bank has closed your merchant account in the past; if you’ve ever provided contradictory information on a merchant account application; or if you’ve had delemmas 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 offers PCI compliant credit card merchant account processing services to telephone order/mail order or e-commerce and retail merchants in a wide range of industries through our secure payment gateway.

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



Contact CoCard

You will talk with a highly and knowledgeable merchant account executive who knows the ins and out of online credit card processinmerchant account processing help aid you to acquire a Low Risk Merchant Account.

Get Matched

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

Start Merchant Account Processing

Once approved by an acquiring bank, CoCard can have your website up and merchant account processing in 2-3 business days and we provide 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 merchant account processing Services

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

PCI Complaint Payment Gateway

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

Credit Card Types

Based on your credit card merchant account processing needs, we are able to process the following credit card types: Visa, MasterCard, American Express, China UnionPay, Diners Club, JCB International, 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, Great Britain Pounds, Canadian Dollars, Australian Dollars, and Hong Kong Dollars, Euros.

3D Secure Credit Card Merchant Account Processing

High Risk serves many businesses in Europe where 3D Secure credit card merchant account processing is a common request, which is why we partner with acquiring banks that allow us to provide you this solution. 3D secure credit card merchant account 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 many 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 critical services any business can provision 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 merchant account 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 friendly accomplished merchant account specialists will be here tohelp aid you every step of the way.


See All Merchant Accounts

High Risk” Merchant Account for Your Business Needs


International merchants

Multi-Currency Account

Fast Merchant Account Processing

No Merchant Account 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 aptitude to accept and process credit cards online. If your online business is in a so called “high risk” category, domestic banks may reject your request for an telephone order/mail order or e-commerce (MOTO) merchant account because of the nature of your business.

At CoCard, we call shenanigans. Does your business need a credit card merchant account processing solution with fewer trading regulations; 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 profitable and competitive through processing your credit card transactions with us.

High Approval Ratings for “High Risk” Businesses

CoCard believes that all legal and legitimate 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 furnish high risk merchant account solutions to a wide range of telephone order/mail order or e-commerce 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 merchant account processing for all major cards, including Visa and MasterCard.

Fraud prevention with 3D Secure merchant account processing.

PCI-compliant payment gateway

Compatibility with nearly all major shopping carts.

Merchant Account Processing in more than 160 currencies with settlement in 18 major currencies.

Live customer and technical support services.

Safe, secure and reliable merchant account processing

Multiple Merchant Accounts by CoCard

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

It's most critical, 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 withfriendly knowledgeable Merchant CC Service account expert who knows the ins and out of online credit card processing and can get your business well on the way to better profitability.


Get Matched Through CoCard

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

Start Merchant Account Processing Through CoCard

Once your business is approved by an acquiring bank, CoCard can have your website up and processing credit card payments in as little as 2-3 business days and we furnish daily or weekly 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 suitable merchant account can mean the difference between success and failure.

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 (CNP) Merchant Account

card not present (CNP) Merchant Account

Card Not Present (CNP) High Risk Merchant Account

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

What is card not present (CNP) merchant account?

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

When a cardholder submits their payment via debit card, ACH check or credit card, as payment for a purchase through your online store, the credit issuing bank either Denies or approves their transaction. If denied, a message a showson 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 (CNP) merchant account for your online business

When operating an telephone order/mail order or e-commerce business, there are countless hindrances one may encounter including acquiring a credit card merchant account processing merchant account. Without a card not present (CNP) merchant account, your business has very limited options for accepting credit cards online, by mail or over the phone. The main difficulty 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 based network of offshore acquiring banks has liberal underwriting policies that benefit those businesses that may be in the high risk category. This allows us to approve high risk card-not-present merchant account andhelp aid you grow your business. With our solid banking infrastructure, we can take even more credit card processing risks and thereforehelp aid you to accept even more transactions. For card-not-present merchants with limited or no merchant account processing history, CoCard also offers third-party merchant account 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 (CNP) merchant account simple, safe and affordable. What are you waiting for? Call us today! CoCard today at to speak to one of them now.

At the Merchant CC Service we seek to grow your business by aiding you in finding the right acquiring bank solutions that are right for your business.


MOTO Merchant Account

Accept Credit Card Transactions through a Safe, Secure 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 (CNP) merchant account, you must decide if a MOTO merchant account is right for your business telephone order or mail order business. CoCard offers MOTO merchant account solutions that permit 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 supply MOTO merchants with access to its virtual terminal at no additional cost.


Contact High Risk

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


Get Matched

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

Start Merchant Account Processing

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


Learn 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 supplys a variety of MOTO payment merchant account 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 telemarketingor online business can accept Visa, MasterCard, 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.

Call us today: .

High Risk PCI Compliant Payment Gateway

With the increase of online fraud and cyberattacks, one of our greater importance is maintaining our PCI compliant payment gateway that enables our MOTO merchants to process safe, secure 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 fraud and theft.

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

The nicest part about our gateway is that you never have to download software or purchase merchant account processing equipment. The High Risk payment gateway is is 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 authorizes your employees to manually enter credit card information for online merchant account processing.

Create Multiple Virtual Terminal Users

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


Call us 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 Utah.