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High Risk & International

High-Risk & International Merchant Services

Struggling to Get Approved? We Have the Solution.
Getting approved for payment processing as a high-risk business can be frustrating—banks often reject applications, freeze funds, or impose excessive fees. At Menio Global, we specialize in securing stable, low-cost payment solutions so you can focus on growing your business, not fighting with processors.

Whether you’ve been denied, shut down, or overcharged, we provide customized processing solutions designed to keep your business running smoothly.

What Makes a Business High-Risk?

Payment processors classify businesses as high-risk for various reasons, including:High Chargeback & Fraud Risks – Frequent disputes, refunds, or high-ticket transactions.
  • Regulatory & Compliance Hurdles – Industries subject to government oversight and legal restrictions.
  • Subscription or Recurring Billing Models – Monthly memberships and auto-renewals increase dispute risks.
  • CBD, Vape, & Supplement Sales – Businesses facing varying legal regulations across regions.
  • International Transactions & Multi-Currency Payments – Selling across borders requires fraud prevention measures.
Traditional banks avoid these businesses—but at Menio Global, we specialize in getting high-risk merchants approved with the best rates and lowest reserve requirements possible.

Industries We Serve

We work with a wide range of high-risk businesses, including but not limited to:

eCommerce
& Dropshipping

Online Coaching & Digital Marketing Services

CBD, Vape, &
Supplement Sales

Travel Agencies &
Ticket Brokers

Adult Entertainment &
Subscription Platforms

Fantasy Sports &
Online Gaming

Firearms, Tactical Gear, &
Self-Defense Products

Cryptocurrency &
Forex Trading

Debt Collection &
Financial Services

Why Choose Menio Global?

Direct Underwriting with Visa & Mastercard

We don’t rely on third-party middlemen—we work directly with Visa & Mastercard for better approval rates, faster onboarding, and lower fees.

Multi-Bank Partnerships

We don’t rely on third-party middlemen—we work directly with Visa & Mastercard for better approval rates, faster onboarding, and lower fees.

Chargeback Protection & Fraud Prevention

We use AI-driven fraud detection and dispute management tools to help minimize chargebacks and keep your account in good standing.

Lower Reserve Requirements

Many processors hold large reserves that tie up your cash flow. We work with banking partners to reduce or eliminate reserve requirements where possible.

 Multi-Currency & International Processing

Expand your business globally with support for multiple currencies, cross-border payments, and localized payment methods like Alipay, WeChat Pay, and SEPA transfers.

 Locked-In Rates—Guaranteed

We put it in writing: your rates stay locked in as long as you process with us—no surprise increases or hidden fees.

Take Your Business Further with Menio Global

Tired of getting rejected by traditional processors? Menio Global provides high-risk businesses with the approvals, rates, and fraud protection they need to thrive.

Get a free proposal today and see exactly
how much you can save!

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Partnerships

We have strategically partnered with many companies to offer you the best experience as a merchant. Below are the partnerships and explanations we have in place currently.

Ingest.ai is a data automation and reporting platform for restaurants and hospitality groups, helping them save time by streamlining their back-office while empowering them to make quicker and smarter operational decisions on the ground. We integrate with the core platforms used to run a restaurant including POS, Scheduling, Time and Attendance, Reservations, and Inventory Management/Invoicing. Once we’ve integrated with these 3rd party systems, we’re able to provide our customers a holistic view of cleaned, normalized data through our business intelligence platform and reporting suite. “` For POS, we prioritize Toast, Square, and Upserve/Breadcrumb.

Vend does the hard in retail so you can do more of what matters. See why leading retailers have made the move to the world’s best point of sale retail platform.

Accepting payments online is simple with Elavon’s secure payment processing platform. Elavon makes it easy to accept payments or donations in a way that works for you and your customers.

Chase Paymentech is the payment processing and merchant acquiring business of JPMorgan Chase. Paymentech payment platforms support businesses of all sizes to process payments, including credit, debit and digital, alternative and mobile payment options.

Worldpay enables seamless commerce and credit card processing for businesses of all sizes and types. Worldpay loves to help businesses grow no matter if they are online eCommerce, in-store, or a combination of both.

We have partnered with Bud Loura and his class organization. He comes from a business where bringing major savings to restaurant owners on a plethora of services is their company’s specialty. Their last company encompassed over 35,000 restaurants in their buying group!

Fiserv (Formally First Data)

Our main merchant services provider. They own the majority of the market in the U.S. This is mainly due to a security that has never had a breach (TransArmor). Most major retailers process with First Data directly due to their security and pricing. Major clients include Walmart, Google, Amazon, Microsoft, PayPal and Apple.

Card Connect

Menio Global is a top agent of Card Connect, the new direct channel of First Data. First Data acquired Card Connect spring of 2017. This was mainly due to their proprietary gateway/software offering CardPointe, which has a virtual terminal that allows for all payment types including ACH and recurring payments, state of the art reporting and payment management, as well as chargeback notifications and management software. Card Connect’s proprietary offerings are only available through Card Connect and not through any other reseller of First Data (Bank of America, M&T, Santander, BBVT, KeyBank, CitiBank, etc.). This gives us a major advantage over any other reseller of First Data. This technology’s most important asset is its’ automated Interchange lowering abilities for card-present and card-not-present transactions. This is the only artificial intelligent software on the market that works automatically to save on interchange.

High Risk Merchants

We have partnered with 2-3 major players in the High-Risk space. We can help CBD clients obtain accounts with ease and also bank accounts if needed. We handle this process completely different than most others in the industry. The way competitors set up CBD clients get them shut down constantly, limit their volume and charge astronomical rates. Ask us how we do this differently. We, along with our partners, process payments for most of the MLMs in the country. We are very good at not only getting MLM processing accounts but bank accounts as well. There is very little in the high-risk space that we can’t handle. Give us a try!