The fee structure of a conventional high risk merchant account is elevated relative to standard processing in ways that reflect the acquiring bank's exposure to chargeback liability. Elevated interchange rates, processor markup above standard margins, monthly account fees, chargeback fees that can reach thirty to one hundred dollars per dispute, and rolling reserve requirements that effectively remove a percentage of revenue from the merchant's accessible cash flow all contribute to a total cost of conventional high risk payment processing that significantly exceeds what standard merchants pay. For businesses in high risk categories, these costs are imposed as the price of access rather than as the result of any negotiation.
The fee structure of a high risk crypto currency merchant account through 27 Blockchain is established during the integration planning process and documented before the merchant goes live. The specific terms depend on the merchant's transaction volume, the cryptocurrencies being processed, and the settlement arrangement. Because the chargeback liability that drives elevated conventional processing fees does not apply to blockchain transactions, the fee structure of a 27 Blockchain high risk crypto merchant account does not need to include the same liability premiums. For high risk merchants evaluating the total cost of moving from conventional processing to a crypto merchant account, the comparison should account for the full cost of the conventional arrangement including rolling reserves, chargeback fees, and elevated interchange, not just the stated processing rate.
