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
Despite strong customer satisfaction and a low refund rate, the merchant ran into major roadblocks with mainstream processors:
- 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.”
Conclusion
Custom-built product companies face unique risks that most processors won’t touch — especially when ticket sizes are high and delivery is delayed. High Risk Merchant Bank understands these nuances and delivers real solutions that support growth, not block it.