In high-risk industries, merchant accounts can disappear overnight — leaving businesses scrambling to keep revenue flowing. At MerchantTotal, we eliminate that uncertainty. Our deep expertise and strong banking relationships allow us to anticipate issues before they happen and structure accounts built for long-term stability. Whether you process credit cards, ACH, or both, our tailored solutions and proactive risk-management approach keep your payments running smoothly, compliantly, and without interruption — so you can focus on growth instead of account shutdowns.