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High-Risk v/s Low-Risk Merchant Account: Pricing Difference Starting a new business can mean many things to different people, but one thing is true across the board, the mode in which you accept payments must be solid. Accepting debit and credit payments is just the tip of the iceberg. Understanding whether or not your business is categorized as high-risk or low-risk, and which type of merchant account is best suited for you, must be factored into your plans. You may be wondering how high-risk and low-risk merchant accounts differ from one another.