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What is a Low-Risk Merchant Account?

Low-risk merchants accounts meet specific criteria. Whether you're a low, medium or high-risk merchant, we can help. Call us at (727) 564-6598 if you have any questions.

Definition - Low-Risk Merchant

Low-Risk Merchant Accounts

Banks categorize businesses into three main groups: high-risk merchants, medium-risk merchants and low-risk merchants. To qualify for low risk merchant accounts, your business must:

  • Process less than $20,000 per month,
  • Have an average ticket size of less than $50, and
  • Have a zero to low chargeback ratio.

Below are some examples of types of businesses that could he classified as "low-risk merchants" assuming all of the criteria is met.

Professional Services

If you are in the professional service industry you know it takes attention to detail in order to succeed. Let Double Helix Solutions provide you with a comprehensive payment solution to fit your needs. Whether your clients pay in person, through the mail, phone, invoice, or internet, we have a solution to suit how you operate your business. From virtual terminals to physical credit card terminals, we take time to learn about your business and your unique needs so we can provide you with the best payment options possible.


From hotels, motels and large resorts to smaller bed and breakfasts, let Double Helix Solutions find the best merchant payment option to fit your needs. We don’t take a one-size-fits-all approach. Instead, we take the time to learn about your business and what specific merchant service option is best to fit your hospitality business. We integrate with almost any online shopping cart so your customers can book online for rooms and accommodations. If your hotel, motel or bed & breakfast has a restaurant or coffee shop, we have a variety of card present POS options to fit any need.


The retail space can host a variety of different business’s, at Double Helix Solutions we know not all are created equal. Some merchants process strictly card present, while others split time in the online space. At Double Helix Solutions we strive to listen to your needs and provide your retail store with the most reliable and easy to use merchant options. Much like the fashions you may sell at your retail store, you need to stay up to date with the latest ways to accept payments from your customers. From the latest point of sale systems with inventory control capabilities, virtual terminals and credit card tabletop terminals, our mission is to find the right merchant service solution with the absolute best rates possible for your retail business.


We offer flexible payment options that give your waitstaff the flexibility they need and your customers the protected experience they expect. Whether you’re looking to accept mobile payments or add EMV security to your current POS solution, our team will work with you to implement flexible payment options such as check splitting with multiple tip options.


Whether you run a car dealership, auto repair shop or towing service, you deal with many unique opportunities and challenges every day. With higher than average ticket sizes and a demanding customer base we know getting your funds without a delay key. That’s why we go the extra mile to learn about your business and setup your account with proper thresholds in place to ensure a seamless process.

On the Go

You Need to Succeed

And we're here to help you do that. No matter what type of small business you run, credit card processing is an integral part of your operations. You need simple, secure, and innovative payment solutions to solve for your unique business challenges. Double Helix Solutions small business credit card processing and merchant services offer the functionality and flexibility you need to take your business to the next level. Take payments at trade shows, community events and every place in between with our reliable mobile and on the go merchant solutions.