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Your MCC code will depend on what you are actually processing, which will determine your processing options and rates.
The high risk categories include (this is not a complete list) -
adult subscription
audiotext (phone sex)
gaming (wagering, not video games online)
dating
certain subscription membership sites outside of adult
pharmacy
herbal supplements (not all but a good many that would apply here)
The best way to find out whether or not your particular business is classified as high risk is to either talk to a processor that has the complete list, or talk to your local bank about a merchant account. Every local bank that offers merchant accounts, but does not do high risk, has a list of what they are excluded from processing. If they cannot process you, then you know you are pretty much going to fall into the high risk category. There may be some smaller local banks that are willing to process you, but keep in mind that if you are caught with mis-coded transactions by the card associations, you will be put into the TMF file, any money owed will most likely never be paid to you, and you will not be able to get processing for a lemonade stand, much less anything online.
If you need any objective help with this, icq me and I'll be glad to give it to you. While I do write merchant accounts for people that need them, I'm the first one to tell you to take your business to a local bank if you qualify, since their rates are much lower than anything in high risk, and the allowable chargebacks are vastly different.
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