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I have a small online store selling handmade art prints, and even though I am not super high risk, my previous processor gave me trouble because of occasional chargebacks. WalletPlug gave me a high risk merchant account that actually works for my business model. The setup was straightforward, and their rates are transparent. I love that I can offer my customers multiple payment options without worrying about holds. The money lands in my account in two days tops. If you are tired of payment headaches, give them a shot. They really care about helping businesses grow.