Why T1 Payments Is Your High-Risk Payment Gateway Solution

Why T1 Payments Is Your High-Risk Payment Gateway Solution

As a business owner, you are in the business of delivering the very best products and services that money can buy. At T1 Payments, we’re in the business of providing merchants with the channels that enable customers to spend through virtually any electronic payment method, including when you’re selling online.

By owning a high-risk business, you’ve more than likely encountered challenges in partnering with financial services companies that are ready and willing to perform payment processing on behalf of buyers paying by credit card or debit card. This may leave you and your customers with limited payment options.

Business is bound to pick up by choosing T1 Payments. Why? Because we don’t just perform high-risk merchant services, they’re our signature specialty, offering merchants innovative tools and scalable solutions as a leading high-risk payment gateway that can help you reach more potential customers with a range of credit scores.

What is a high-risk payment gateway?

You can think of a payment gateway as a go-between. Information regarding approval or denial of a debit or credit card transaction is communicated between the merchant and the acquiring bank. It’s a multistep process and each aspect of it is critical; the gateway is the bridge that makes all the steps possible. 

A high-risk payment gateway performs all the same functions — captures data, routes the transaction details to the payment processor, performs verification procedures, etc. — only does it primarily for companies that are considered high-risk. These include, but are not limited to, the following:


  • Adult Entertainment                                                                                                    high risk payment gateway
  • CBD Products
  • Collection Agencies
  • Credit Repair
  • Fantasy Sports
  • Gaming 
  • Kratom
  • mCommerce
  • Multi-Level Marketing
  • Nutraceuticals
  • Online Dating
  • Startups
  • Telemarketing
  • Travel
  • Vape and E-Cigarettes

Merchants have the freedom to apply to any payment processor that they would like, but the chances of approval are slim given the risks involved, encountering potential issues like chargebacks or fraud. We own the entirety of the payment cycle, and as such, give you and your customers more options to pay as they choose, including card-not-present transactions, foreign currencies and recurring billing. 

What is considered high-risk for a payment gateway or bank?

There are numerous standards a payment gateway or acquiring bank may use to gauge what is and isn’t high-risk. It could be that your organization is within a high-risk industry, labeled as such by the Federal Deposit Insurance Corporation. It may have something to do with certain businesses having a history of frequent chargebacks. Being considered high-risk may derive from a track record of fraudulent transactions or stolen credit cards. 

None of it is a reflection on you; it’s the nature of the beast. Because of the relationships that we’ve forged with banks from all around the world — not just in the U.S. — we have the knowledge, track record and resources to pair your firm with the merchant account and transaction tools you need to cover your bases and provide a seamless purchase experience for your buying customers. This may not be possible with other payment service providers you’ve tried; they may have not even given you the opportunity. 

That’s why it pays to work with a payment processor that specializes in high-risk accounts. That’s exactly what we do at T1 Payments. And it’s our genuine privilege; there’s nothing we’d rather do than be your preferred payment gateway solution. And our customers agree, awarding us 4 out of 5 stars from Trustpilot and rave reviews. We consider them part of the T1 Payments family. There’s always room for more!

How do you select the best payment gateway?

There are a host of payment gateways out there, but how do you know which is the best high-risk payment gateway as a high-risk merchant? Like beauty, which one qualifies as “best” is largely in the eye of the beholder. Try asking these questions:

  • What are the fees?
  • How long will it take to activate my account?
  • Does the payment gateway integrate with your e-commerce platform or website?
  • Does your payment processor partner with a specific gateway? 

If you’re not able to answer these questions, that’s a big strike against any one that you’re even casually considering. Allow us to take a stab at them:

What are the fees like?

Unlike other merchant services providers, T1 Payments won’t keep you guessing. Not only do we not charge you excessively for processing and transmitting credit card transactions, we use flat billing so you’re charged one flat rate. 

How long will it take to activate my account?

We have a highly engaged in-house team that is standing by ready to serve you. Generally speaking, you can expect the entire onboarding process to take 2 to 5 business days. Our solemn vow to you is not just high quality customer service, but speedy customer service, without sacrificing excellence in any way. 

Does the payment gateway integrate with your e-commerce platform or website?

Our commitment is customization and in light of our global reach (more on this later), we can integrate with over 175 different platforms. T1 Payments will be able to easily integrate our gateway if your current website is open-sourced. 

Does your payment processor partner with a specific gateway?

Unlike other high-risk payment gateways, we don’t only serve as a conduit for moving information back and forth. We are a full-service payment processor so you don’t have to worry about shopping around for another one. Again, T1 Payments serves as an end-to-end payments solution so there is smoother, more connected flow of processing credit card transactions and more. 

Which is the best gateway for international transactions?

There has never been a more opportune time to take your business to the next stage of growth, development and prosperity thanks to the internet, which is growing literally by the second in terms of how many people are connected and actively shopping. From as far south as Argentina to as far east as South Korea, people across the developed world use their smartphones regularly to buy things online.  

With T1 Payments, you’ll have all the benefits of an international payment gateway you’ve come to expect and then some. In addition to the 175 e-commerce shopping cart integrations, you’ll have the ability to collect payments in over 160 currencies and settle in 27 currencies. High chargebacks are always a possibility by broadening your audience, but thanks to our advanced fraud protection, integrated risk management and real-time online reporting, you’ll be in a position to mitigate chargebacks to ensure your merchant account’s longevity. 

But the benefits don’t end there. From complete card industry compliance to virtual terminal support, uncapped merchant account volume to a dedicated account manager, T1 Payments is committed to help you grow your business so you don’t just reach your expectations, you far surpass them.

As a high-risk business that takes high-risk credit cards, T1 Payments delivers the secure solutions that provide added certainty when customers pay electronically. Through our fraud alert tools and strict adherence to PCI compliance, choosing us as your preferred high-risk payment gateway just may be the safest move you’ll ever make. Contact us today. 

Finally a legitimate Kratom processor

I own my own Kratom business. I was recommended t1 by around 6 other business owners.
I was hesitant as I have been burnt by an overseas processor that ended with me loosing thousands.
I have now been processing for almost a year. My business has grown by 40% since adding t1 to my check out. Jason in the Las Vegas office has been amazing, answering all my questions promptly. Thank you for finally giving the kratom vendors a legitimate solution.

Angie Lewis


Get in touch to discuss a credit card solution to unlock international sales for your high-risk credit card.

Take the first step by completing our simple application form and hear from one of our knowledgeable dedicated reps who can answer your concerns.