Terms of Service

Plain terms for a simple service: we assess high-risk merchants and introduce the ones we can place to payment partners. We are not a payment company, and nothing here approves anybody.

1. Who you are dealing with

PayHighRisk is the trading name of Ecom-Rach, LLC, a limited liability company registered in the State of South Carolina, United States.

Written enquiries: contact@payhighrisk.com. Data protection: privacy@payhighrisk.com. Our postal address is published in the privacy policy, where the GDPR requires a controller to give it.

Using this website or submitting the assessment form means these terms apply between you and us. They were last revised on 9 September 2026.

2. What the service is

We do three things:

• We assess a merchant’s business model, jurisdiction, risk profile and processing requirements from the answers given in our form.
• We identify which payment partners in our network could realistically consider that profile.
• Where there is a fit, we introduce the merchant to a partner, with the merchant’s consent.

3. What the service is not

We are not a payment gateway, a payment processor, an acquirer, a payment institution, an e-money institution or a bank. We are not regulated as any of those, because we do not do what they do.

We never hold, receive, transmit or convert your money or your customers’ money. No funds pass through us at any point, in any currency, including digital assets.

We are not the agent or authorised representative of any payment partner, and we do not negotiate, agree or vary commercial terms on their behalf.

4. No approval, and no promise of one

Nothing on this website, in our replies, or in any assessment result constitutes an approval, a pre-approval, a guarantee of approval, or a representation that any partner will accept your business.

Approval is an underwriting decision. It is taken by a payment partner and their acquiring bank, after reviewing your company, your documents and your processing history, under criteria that are theirs and that change without notice to us. We have no vote in that decision.

The same applies to every commercial condition: pricing, rolling reserves, settlement periods, volume caps, chargeback thresholds and termination rights are set by the partner, per merchant, and are not ours to promise.

5. How we are paid, and what that means for you

The assessment and the introduction cost you nothing. We are paid a commission by a payment partner when a merchant we introduced becomes and remains an active client of theirs.

We do also sell software licences from this site, which is a separate transaction and the only thing we ever charge a merchant for. Section 6 says what a licence is and what it is not, and the refund policy says how it is refunded.

We disclose this because it gives us a commercial interest in your being placed. Our undertaking is that we will tell you when we see no realistic route, rather than submitting a file we expect to fail.

6. Software licences

We publish WordPress and WooCommerce plugins and sell licences to use them. This is a shop transaction between you and us, and it is entirely separate from the assessment and introduction service. Buying a plugin does not put you in front of a payment partner, does not improve an application, and has no bearing on whether anyone accepts your business.

What you are buying. A licence to use the software described on the product page, for the period stated there — six months, twelve months, or a lifetime licence — on the number of sites that page states. The price at checkout is in US dollars and is the price you pay.

What “lifetime” means. The lifetime of the product, not yours. It means we do not charge you again for as long as we publish and maintain that plugin. We may discontinue a plugin; if we do, we will say so on the product page. A discontinued plugin keeps working as installed, and stops receiving updates.

What happens when a term licence ends. Updates and support stop. We will not disable software you have already installed, and we do not require you to uninstall it.

The licence is yours alone. You may not resell it, sublicense it, redistribute the code, or publish it anywhere. One licence covers the sites stated on the product page and no others.

The plugin connects your store to third parties, and there our reach ends. Our plugins pass payments to payment providers we do not own and do not control. Whether such a provider accepts you, what it charges, how it treats a dispute, how quickly it settles, and whether it continues to serve you at all are its decisions. A plugin licence is not a payment account. It does not guarantee that any provider will onboard you, and it cannot be read as one.

Support and condition. We answer support at contact@payhighrisk.com for the duration of your licence. The software is supplied as it is: we do not warrant that it is free of defects or that it will work with every theme, plugin and server configuration in existence. Where the law gives you rights that this paragraph cannot exclude, it does not exclude them.

Refunds are set out in the refund policy, which forms part of these terms.

7. What you undertake

• The information you give us is accurate. An assessment built on wrong volumes, a hidden termination or an undisclosed chargeback history produces a wrong answer, and it is you who pays for it — usually with a declined application that follows you.
• You hold what your activity requires. Licences, registrations, and where you distribute content that belongs to someone else, the rights to do so. Where a sector turns on that question, we ask about it before any introduction.
• You are authorised to submit the business you are submitting, and to share the details of the people named in it.

8. Businesses we cannot place

Some activities have no route in our network today. That is a statement about our partners’ current appetite, not a judgement about the legality of your business, and it changes as the network changes.

We will not make an introduction where the activity is unlawful in the merchant’s own jurisdiction or the customer’s, where it involves distributing content the merchant has no right to distribute, or where a partner has told us in writing that the sector is refused. We may decline to act for any file, without being obliged to explain why.

9. The relationship after an introduction

Once introduced, you contract directly with the payment partner. Their agreement governs your merchant account, and we are not a party to it.

We are not responsible for a partner’s decisions, their pricing, their service, their reserves, their settlement, the suspension or closure of your account, or any loss arising from them. We choose who we introduce you to, and we tell you what we know about them; we do not control them.

10. Your data

What we collect, why, how long we keep it, who we share it with and the fact that some partners are outside the European Union is set out in the privacy policy, which forms part of these terms. Your file is shared with a payment partner only after you have consented, and only with the partner we have told you about.

11. The website itself

We publish this site in good faith and keep it current, but information about partners, sectors and requirements changes without notice. Nothing here is legal, tax, regulatory or financial advice, and none of it should be relied on as a substitute for advice about your own situation.

We do not guarantee that the site is uninterrupted or error-free, and to the extent the law allows, we are not liable for indirect or consequential loss arising from its use.

12. Changes, and the law that applies

We may revise these terms. The revision date at the top of section 1 tells you when we last did, and the version published here is the one that applies.

These terms are governed by the laws of the State of South Carolina, United States, and the courts of that state have jurisdiction. This does not remove any right you have as a consumer under the mandatory law of your own country of residence.