A high-risk merchant account is a service that processors offer so that entities in high fraud or chargeback-prone industries that can accept card payments. If a business is at a higher risk of fraud or chargebacks or falls into specific sectors, such as subscription eCommerce, it must obtain a high-risk merchant account to accept card payments. High-risk merchant accounts attract more stringent conditionalities than regular merchant accounts and are more controlled by Mastercard, Visa, Discover and American Express card brands and the respective requirements to manage. These controls or tools include robust fraud detection systems, chargeback management solutions, and secure payment processing platforms.