bad credit merchant account instant approvalDo you have bad credit? No problem, First American Merchant can get you approved in no time. We specialize in high-risk businesses getting the help they need to get their business moving forward. With low rates and fees, we work with the merchants regardless of bad credit, bankruptcy and tax liens.

No matter the reason for your credit history, we can get your business going and find a solution to address any merchant account problems.

Payment processors categorize certain account types as “high risk” because banks see them as a risky service or product. With the current economy these days, new businesses are considered high risk including travel agents, adult products, online pharmacies, collection agencies and telemarketers. Also, potential chargebacks, returns, past business history and method of credit/debit card acceptance are known problems of high risk.

At First American Merchant we specialize in high risk businesses that have difficulty in finding an electronic payment processor and at the same time find them with the lowest rates possible.


We work with a variety of high risk merchant account types such as:

Adult – All types
Credit Repair
Collection Agencies
Cigars & Pipe Tobacco Online
Debt Consolidation
Electronic Cigarettes
E-Books & Software
Firearms – Online
High Ticket & High Volume
MLM & Bizops
Penny Auctions
Ticket Brokers – Online Tickets
Sports Betting Advice
TMF Merchants
Travel & Timeshare

Many factors contribute to a merchant being in the high risk category such as if a business accepts payments online (card not present basis), if tax liens are outstanding, if they have a credit rating below 500 and if the company is in bankruptcy.

We offer you step-by-step straightforward deals to help with any merchant account issues. First American Merchant continues to help merchant accounts to recovery.

Get approved in as little as 48 hours, contact us today!


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