Revolutionizing Businesses. Powering Payment Innovation.

Questions & Support       +1  (888) 557-0999

Payment Processing for Medium Risk Merchants

Mid risk merchants are ambitious owners who maintain both brick-and-mortar and online storefronts. Both of these have their own specialized needs to manage a business’s risk level. Revitpay has the tools and experience necessary to support card-present and card-not-present payment processing.

  • Payment Terminals Including Touchless and Chip & Pin
  • Fraud Protection
  • Chargeback Reduction
  • On-The-Spot Invoicing

  • On-The-Spot Invoicing
  • Payment Processing Options
  • PCI Compliance Support
  • And More…×265.png is Risk?

Banks define a business’s or industry’s risk by its chances of success. Certain characteristics of a company decrease or increase risk factors, such as whether it operates in-person, online, or both.

A high risk merchant needs specialized attention from payment processors and banks, whereas low and mid risk merchants can find basic support with most traditional institutions.

Labeling the risk level of your business will help you in finding the right solutions. Revitpay act as a one-stop provider for low, mid, and high risk merchants.

Why is Your Chargeback Ratio Important? Chargebacks come from unresolved disputes and claims. They require card providers to return funds to a customer, which leaves businesses with a chargeback fee and a hit on their record.

A high or increasing chargeback rate increases the risk level of a business, regardless of their industry. It becomes difficult to find a payment processor or bank that will provide services. It can also put companies out of business.

Revenue, sales amounts, and industries are just a few factors that affect a business’s chargeback rates. If you are a mid risk merchant, your chargeback rate may be more than zero and less than 0.9%.

All merchants should keep an eye on their chargeback ratio to prevent their risk level from increasing. Revitpay offers support such as chargeback alerts and fraud protection to keep rates low.×505.png

Am I a Medium Risk Merchant?

Here are a few questions to ask to determine whether you’re a low risk merchant.

What is Your Industry?

Low risk industries reputations lack reputation and heavy regulation, while high risk industries do. Mid risk industries may have some negative reputation, a history of complications, or other factors that increase potential chargebacks.

Schools & Universities

Utility Providers

Political Organizations

Lawyers and Attorneys

Healthcare Providers

Technology Products

Mid risk merchants may have characteristics of both high and low risk businesses. Factors such as time in business and industry can affect your company’s risk level as well.

What are Your Average Transaction Amounts?

Low risk businesses will have average ticket sales of around or less than $50 while high risk ones will have much higher ticket averages. These low ticket sales protect merchants from hefty chargebacks. Mid risk businesses may have an average of between $50 and $1,000.

What is Your Merchant History?

Businesses in their first few years of operating are high risk. Their future success is uncertain and banks are less likely to take their chances. Your mid risk business would have to be operating for at least a few years to build a credible history.

Some merchants can have poor credit or high chargeback ratios as part of their history. This immediately makes them high risk. A mid risk merchant will have few chargebacks.

What Additional Services Do You Offer?

Subscription services and Buy Now, Pay Later options are popular amongst online retailers. Both brick-and-mortar and eCommerce businesses are utilizing these alternative payment methods to boost sales.

Buy Now, Pay Later is a new payment method that allows consumers to pay for higher ticket items over time. These pricey payments can result in a high chargeback as they can for subscription services.

Recurring payments increases a business’s risk level. This convenient billing method can be dismissed by clients who may stop using a service and forget about their subscription. This can result in a high ticket chargeback.

We Have What You Need

Revitpay can get you fast approval for a merchant account, regardless of your risk level. Our tools and services keep up-to-date with industries so that we can keep your business at the top of its game.

Let us accelerate your payment processing journey today!

Useful Links



6120 Parkland Blvd Suite 202

Cleveland, OH 44124

Revitpay Logo

© Copyright 2018 – 2023. RevitPay – All Rights Reserved 

RevitPay is a registered ISO of Evolve Bank and Trust, 6070 200, Memphis, TN

RevitPay is a registered ISO of Esquire Bank N.A., Garden City, NY

Privacy Policy