There are many types and classifications of merchants.  Generally, banks and processors think in terms of "low-risk" and "high-risk accounts." MerchantBiz works with both categories. A business is generally classified as high risk when both its chargeback potential and the likelihood that it will shut its doors and disappear over-night are considered likely based on the history of that type of business. Whether a business is considered low risk or high risk depends on on many variables, including processing history, profile of the operator, etc.  Below is a list to help educate you.

 

• Examples of Acceptable Low Risk
  
  Web site memberships
  Internet access or E-mail services
  Web site design
  Web site promotion
  Web hosting services
  Search engine registration
  Programming services
  Consulting services
  Graphic design services
  Other service-based sales
  Advertising sales

• Examples of Acceptable High Risk
  
  Adult Entertainment
  Business Opportunities
  Check Cashing Services
  Collection Agencies
  Debt Collection
  Credit Restoration / Repair Services
  Dating Service
  Membership or Subscription 
  Time Share Rentals
  Travel Agencies 
  Online Pharmacy
  Answering Services
  Non-profit organizations
  Donations and charity events
  Diet Centers
  Gambling transactions
  Health Clubs
  Investment Opportunities
  Liquidators
  Escort or Dating Services
  Multi-level Marketing
  Time Share Sales
  Bankruptcy Lawyers 
  Long Distance Services
  Pre-paid legal advice/services
  Sexual Enhancement Products
  Pre-Paid Phone Cards
  Internet Perfume Stores
  Downloadable Software
  Sunglasses
  Motivational and Self-improvement Courses
  Non-Retail Pawn Shops
  Seminars
  Tanning Salons
  Vitamin / Herbal Supplement Sales
  Water Purification
  Non-Retail Jewelry
  Electronics including Laptops and Computers
  Cellular Phones and Pagers
  Non-Retail Computer Hardware
  Software sales
  Legal Advice and Kits
  Auto Accessories / Tire Rims
  
  
  Other types of businesses Not Acceptable
  
  Alcoholic beverages
  Explosives
  Live animals
  Fireworks or pyrotechnic devices or supplies
  Hazardous materials, combustibles, corrosives
  Replica and Name Brand "Knock Off" Products
  Sites That Promote Hatred, Racism or Religious Persecution
  Degrees or Diplomas (Unless accredited by an association recognized by
  CHEA, ASPA, or U.S. Secretary of Education)
  Any product or service enabling consumers to circumvent locks, programming codes or security features, or to gain access to features or services for which they have not expressly paid.
  Under-age models