A High Risk Merchant can usually obtain merchant account services, but will pay additional fees for the ability to process credit and debit cards. Many merchant account processors will first review your business model to determine if it can be placed in the the USA, but if you have what they consider to be a High Risk Merchant account need they will shop it somewhere else. If it can not be placed in the USA, most processors will obtain an offshore merchant account for your high risk merchant services. In addition to an offshore merchant account, most will work with you on your business model and processing procedures, etc. to change your high risk classification to an acceptable classification to process in the United States.Factors that determine if a given concern qualifies as a high risk, include the type of business conducted, the location of the busin