High-risk merchants such as telemarketers, Internet/e-commerce businesses, merchants in the travel and cruise industries, businesses that conduct Internet auctions, and businesses offering membership clubs may face difficulty opening a merchant account.

Just because you have a high-risk business it does not necessitate the fact that you cannot open any merchant account, you would be required to open a high-risk account. The banks and independent organizations that provide merchant services sales representative account services will evaluate your case on the basis of certain information such as how long you've been in business, your credit history, and any previous merchant accounts you've held.

In such a scenario, the length of time that your business has been operational would really make the difference. If your business has been operational for long time, that would act as an assurance to the account provider. If you own a business for a long time the provider is aware that you do understand the matrix of running a business and the high risk involved.