Case Study: E-Commerce Startup Scales Fast With Higher Processing Limits from High Risk Merchant Bank
Client Overview
A newly launched direct-to-consumer e-commerce brand offering luxury lifestyle products — including smart home tech, fitness equipment, and eco-friendly furniture — quickly gained traction via social media ads and influencer marketing.
Within 60 days of launch, customer demand soared. Average order value (AOV) hovered around $500–$1,200, and monthly projections reached $300,000+ in sales volume.
Our Promise
We know high-risk merchants face unique hurdles—declined applications, high fees, and restrictive terms. That’s why we go beyond the standard, offering solutions that are as bold and ambitious as your business. We don’t just process payments; we power your potential.
- Limited monthly processing caps to $25K–50K citing lack of processing history
- Required 3–6 months of data before considering a higher limit
- Imposed rolling reserves and long settlement periods
- Slowed scaling efforts, caused cart abandonment, and limited ad spend flexibility
The Solution
High Risk Merchant Bank
The founders turned to High Risk Merchant Bank (HRMB) to break through the bottleneck and get a merchant account that matched their growth ambitions.
What HRMB Delivered:
- A high-limit e-commerce merchant account approved based on business model, projections, and pre-launch marketing success
- $500,000/month processing cap from day one, with room to increase
- No rolling reserve, ensuring full access to funds
- Fast funding and next-day settlements to support ad reinvestment
- Integrated payment gateway with Shopify and WooCommerce compatibility
The Results
With a capable payment processor in place, the business was able to:
- Scale sales past $400,000/month within the first 90 days
- Reinvest in paid media, knowing they could accept unlimited transaction volume
- Reduce cart abandonment by offering stable, seamless credit card checkout
- Increase average order value by 20% through upsells and product bundling
- Secure additional investor fundingdue to smoother cash flow and growth trajectory
“Every investor and agency asked about our payment setup — High Risk Merchant Bank gave us the infrastructure we needed to scale like a mature business, not a startup.”
Conclusion
Many new e-commerce businesses don’t fail due to product or demand — they fail because
banks don’t believe in their growth. High Risk Merchant Bank does.
banks don’t believe in their growth. High Risk Merchant Bank does.