There are very good reasons why high-risk merchant accounts are difficult to get, but there are processors that operate precisely in that range of the spectrum....
Staying out of the traditional financial system is much more a matter of choice and lack of financial education, than it is about being shut out of it....
Whether or not offshore merchant accounts can favorably compare to domestic ones, the fact is that for many businesses they represent the only available option....
Applying surcharges to credit card transactions alienates credit card users, but cash or debit card discounts are too costly for merchants to make sense....
The use of mobile banking and mobile payments is growing; in the not-too-distant future they'll become the prevalent method of doing both banking and payments....