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Connecting a merchant account to a high-risk website requires meeting strict criteria from payment processors and banks. High-risk sectors like gambling, adult content, or cryptocurrencies face increased scrutiny due to fraud and chargeback risks. Key conditions include: First, ensure security compliance with an SSL certificate and PCI DSS standards to protect transactions and cardholder data. Second, provide legal documents—business registration, licenses (if needed), and clear product/service details—to prove legitimacy. Third, manage chargebacks and fraud with tools like AVS or third-party monitoring systems. Additionally, the site must integrate with a payment gateway via API or plugins, supporting diverse payment methods. Regulatory compliance (e.g., GDPR, KYC, AML) is essential, varying by industry and region. Expect higher fees, reserves, and longer approval times due to the risk profile. Preparation in these areas ensures successful onboarding.