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PayPal Merchant account is a third party processor account also known as a
payment gateway service provider (PSP) or a merchant aggregator. The fee
associated with the PayPal merchant account is 2.6% of the transaction amount plus
a fixed fee based on the currency used.
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High Risk Merchant Accounts are a set of services that are offered to high risk merchants to accept card payments from their customers. Such merchants face very limited options in their processors. Apart from this, they also face higher fees than usual & a lot stricter contracts.

It is considered as high-risk because of two basic conditions- business operates within an industry of high risk and risks of financial failure exist as well.
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A payment gateway is a merchant service provided by the e-commerce application
service provider that authorizes the credit card or direct payments processing for the
e-businesses, online retailers, bricks and clicks or traditional brick and mortar.
Payment gateway providers plays a very vital role for helping the merchants to
accept the online payments and manage their cash flow.
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Before digging deeper into the high-risk merchant accounts, let’s find out what a traditional merchant account is. It’s a kind of business account set up in the acquiring bank. A seller needs one to accept credit and debit cards right in their online store.
A merchant account serves as an intermediary between customers' bank accounts and your business's bank account as electronic payments, including credit card transactions, are processed. During a sale, the merchant account works behind the scenes to withdraw funds from the customer's bank and deposit them directly into the business's chec
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