If any of the above descriptions fit your internet business you will find yourself in need of a higher risk merchant. You will find yourself paying for this service in terms of high rates, security deposits that will be held in escrow against any future chargebacks, and the processing time may be lower that you like but these are some of the pitfalls in operating a high risk business and therefore requiring a high risk merchant account.
On the good side of the spectrum, some of these higher risk merchant accounts will provide you with an online link or a terminal that will how to become a merchant acquirer customize your sales. You will be able to organize accounts at a glance and batch your daily submissions very easily. For some whose entire business may be run from a laptop computer. This flexibility of account tracking is well worth whatever price you pay. The high risk merchant provider may have a foothold on costs but they do offer some advantages in return.