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High risk merchants often face major challenges such as high processing fees, frequent chargebacks, and difficulty securing a reliable payment processor. Industries like CBD, adult content, or online gambling are often labeled high risk due to legal complexities or fraud concerns. These businesses may experience stricter underwriting, rolling reserves, or sudden account freezes. To succeed, merchants must maintain transparent operations, monitor chargebacks, and partner with providers experienced in high risk accounts to ensure stability and smooth payment processing.
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