Hi everyone,
I've been following this thread and wanted to share some of my own experience while also asking if anyone has had similar issues, or maybe found solutions I haven’t considered.
Earlier this year, I applied for a high-risk merchant account through HighRiskPay.com after being turned away by several more traditional PSPs due to my business model (digital goods + subscription services, in the online self help niche). At first, their team seemed responsive, and the onboarding process was relatively smooth. However, after going live, we ran into constant problems with withheld payouts, unexplained risk reviews, and chargeback ratios that didn’t match what our CRM and Stripe legacy logs showed.
We also noticed a steep reserve hold (20% over 180 days), which had not been properly disclosed upfront.
I eventually shut the account down and switched to a combination of PayNetEasy and an offshore solution with a Bulgarian MID. The setup wasn't cheap or quick, but it has proven way more stable.
So here’s my real question: Has anyone here successfully used HighRiskPay.com long term (12+ months) without major fund holds or shutdowns? If so, what vertical were you in, and did you negotiate the reserve terms up front? I'm considering circling back to them for a second project I’m launching in nutraceutical dropshipping (low-ticket, EU/US markets only), but only if I can get clear terms and better guarantees.
Any feedback, positive or negative, would be super helpful. Thanks in advance for sharing your experiences!
