Moderate risk merchants operate in a nuanced space within the payment processing industry. These businesses often involve a higher degree of uncertainty compared to low-risk counterparts. Factors such as digital product sales, subscriptions, or a mix of physical and digital goods contribute to their classification. While the potential for chargebacks may be elevated, effective risk management strategies can mitigate these risks. There will be many factors to take into account, but these are going to be accounts that are just a little bit riskier than your typical low-risk merchant account. Depending on how the merchant operates, any business not clearly identified as a Low Risk will likely require moderate risk boarding times with a medium amount of information and documents required. These sectors often face challenges related to fraud, chargebacks, and regulatory compliance. To thrive in this environment, merchants should prioritize robust fraud prevention measures and cultivate strong relationships with payment processors. The following are examples that could be considered medium-risk: