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Why Alcohol Merchants are High-Risk
Alcohol is one of the most tightly regulated retail categories, with strict rules on age verification, licensing, shipping, and marketing. Many banks classify alcohol merchants—especially online sellers and delivery services—as high‑risk due to compliance exposure and higher chargeback potential.
Age‑Restricted, Regulated Sales
Retailers must verify legal drinking age at purchase and, in many cases, again at delivery or pickup.
Mistakes can lead to fines, license suspension, or closure, making processors cautious about who they underwrite.
Retailers must verify legal drinking age at purchase and, in many cases, again at delivery or pickup.
Mistakes can lead to fines, license suspension, or closure, making processors cautious about who they underwrite.
Complex Shipping & State Laws
Alcohol shipping rules vary widely across states and countries, with some regions banning direct‑to‑consumer shipments.
Merchants must control which products can ship where, and processors expect proof of those controls.
Alcohol shipping rules vary widely across states and countries, with some regions banning direct‑to‑consumer shipments.
Merchants must control which products can ship where, and processors expect proof of those controls.
Larger Tickets, Chargebacks & Fraud
Bulk orders of wine, spirits, or subscription cases create higher‑value chargebacks when something goes wrong.
Delivery problems, damaged bottles, and unauthorized purchases all drive disputes in alcohol ecommerce.
Bulk orders of wine, spirits, or subscription cases create higher‑value chargebacks when something goes wrong.
Delivery problems, damaged bottles, and unauthorized purchases all drive disputes in alcohol ecommerce.
If your alcohol business has been turned away by traditional processors or faced account holds, contact CARDZ3N to explore a high‑risk ready alcohol merchant account.
