Case Study: Custom Furniture Brand Secures Payment Stability With High Risk Merchant Bank
An online luxury custom furniture company specializes in high-end, made-to-order pieces. Each order averages between $3,000–$8,000, with customers purchasing through the company’s e-commerce site. Because the products are custom-built, delivery timelines typically range from 4 to 10 weeks after payment is made.
The Challenge
- Flagged for high-ticket transactions
- Delayed fulfillment raised delivery risk red flags
- Processors viewed the business as high chargeback risk, even though the data didn’t support it
- Account frozen after a sudden compliance review
- Cash flow disrupted, delaying production and impacting customer timelines
As a result, the merchant was unable to accept credit card payments — severely limiting sales and stalling growth.
The Solution: High Risk Merchant Bank
The merchant turned to High Risk Merchant Bank (HRMB) for a processor that understood the realities of custom product businesses and could provide a stable long-term solution.
HRMB Delivered:
- A custom high-risk merchant account tailored to high-ticket, delayed-delivery businesses
- No reserves requiredafter demonstrating strong fulfillment history
- Fast approval process with full underwriting for transparency
- Integrated gateway for seamless e-commerce checkout
- Chargeback mitigation tools Chargeback mitigation tools
The Results
Within the first 30 days, the merchant returned to full operational capacity:
- Secure credit card acceptance resumed, including for $10K+ orders
- Sales volume rebounded to over $500,000/month
- Production stabilized with reliable payment flow
- Customer trust restored with smooth checkout experience
- Foundation built for scaling operations, including new product launches and financing options
“We build premium furniture — our customers don’t mind waiting, but banks did. High Risk Merchant Bank actually took the time to understand our business and got us approved when no one else would.”
