In the world of payment processing, not every business fits neatly into the “low-risk” category. Some industries are considered high risk — not because they’re doing anything wrong, but because of how banks and processors evaluate factors like chargeback potential, regulation, or transaction patterns.

At Kelley & Co Strategies, we specialize in helping high-risk businesses obtain the reliable and affordable payment solutions they deserve. Our goal is to eliminate the barriers, confusion, and inflated costs that often come with this label.

What It Means to Be High Risk

A business may be considered high risk for several reasons. It could operate in a regulated industry, deal with higher average transaction amounts, or offer subscription-based services that naturally increase chargeback exposure. Online transactions without face-to-face verification can also contribute to this classification.

Unfortunately, this label often leads to higher processing rates, delayed funding, or even sudden account closures by traditional providers. Understanding the reason behind the classification helps business owners take proactive steps to protect their operations and maintain consistent cash flow.

Industries Commonly Labeled as High Risk

Many industries fall under this category, including:

• Firearms and tactical equipment
• Cannabis, CBD, and vape products
• Adult entertainment
• E-commerce and subscription services
• Travel, hospitality, and ticketing
• Coaching, consulting, and digital marketing
• Nutraceuticals and supplements

Being part of one of these industries doesn’t mean you can’t find dependable, transparent payment processing. It simply means you need the right partner who knows how to navigate the system and advocate for your business.

How Kelley & Co Strategies Supports High-Risk Merchants

At Kelley & Co Strategies, we work directly with top-tier processors and banking partners that welcome high-risk merchants. Our clients benefit from tailored solutions designed to fit their industry and long-term goals.

• Access to multiple high-risk processors so you always have options
• Customized pricing structures aligned with your transaction volume and needs
• Chargeback prevention tools and monitoring systems to protect your revenue
• Transparent guidance so you understand every rate and fee upfront
• Fast approvals and dependable support from a team that understands your business

Our purpose is simple: to make payment processing stable, secure, and scalable for every business, no matter the risk category.

Fair Treatment and Honest Support for Every Business

Being labeled as high risk should never mean being overcharged, delayed, or treated differently.

At Kelley & Co Strategies, we believe all business owners deserve equal opportunity. Whether you operate a retail store, run an online business, or manage a company in a regulated industry, we ensure your processing works for you—not against you.

If you’ve been denied or overcharged by another provider, let us help. We’ll review your statement, provide a cost comparison, and explain every detail in plain language.

Click "Contact Us" to get your FREE Statement Review today

Better Payments. Better Technology. Better Business.