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High risk merchant accounts do not terminate your account because high risk merchant accounts are made especially for a high percentage of returns and chargebacks. The rates are also much more moderate than those of general merchant account providers and processing banks.
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Each specific high risk business has its own chargeback risk factor and, thus, its own chargeback rate. For example, online pharmacies, as a rule, have lower chargeback rates than online gambling websites. There are also special merchant accounts designed and elaborated specifically for some business type, depending on various factors, but these are not considered to be high risk accounts and could lead to a Terminated Merchant File along with many chargebacks.
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High risk merchant accounts and high risk credit card processors do not really protect your from many chargeback cases, prevention is achieved on another plane (see specialized articles on GSPay.com). Remember the fact that too many chargebacks and returns actually close your doors to credit card processing in no time and for long.
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