Most small business owners will never hear the term “high-risk merchant account” until their businesses have been identified as such. It does seem a bit mysterious at first. In some cases, it may feel like an unfair judgment against your business, the service you provide, the products you offer, or you yourself. That isn’t the case. From the perspective of the merchant provider, it is often an indication that your business poses a greater risk for chargebacks and has nothing to do with what your business has done or how it has performed.