Risk Classifications
Low, Moderate, and High Risk
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Low Risk is for Card Present merchants with Low-Risk products. Moderate Risk was built for Card Not Present / Low-Risk products, which fits the profile for CNP accounts who present little risk.
Low Risk | Card Present AND Low Risk business type (no NDX, no restricted products, etc.) |
Moderate Risk | Card Not Present AND Low Risk business type (non-restricted products, NDX less than 30 days, dispute/fraud levels below 20 bps, and no regulatory/compliance/ |
High Risk | Can be Card Present or Card Not Present - generally more CNP but a CP example would be high risk products (registered merchant types, CBD, kratom, MLM, MSB, credit repair, etc.), chargeback producing (Nutra / affiliate offers, managed / controlled risk, etc.), NDX (travel, etc.), reg/compliance/rep heavy (MSB, MLM, lenders), etc. |
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