When you have determined your online business as high risk. The next move is to request a high-risk payment gateway in Europe. This is the only way to receive and process payments. For your application to be selected. You will have to understand what the US acquiring banks and high-risk merchant account providers want to get. If you are facing a difficult time in getting approved traditionally. It may be better to prefer an offshore option like a high-risk payment gateway in Europe. The authorization of your high-risk gateway in Europe relies on business financials. A personal credit score, low chargeback volume, and a long payment processing history.