Before I talk about the "High-Risk Merchant Account" you should have to know that what is Merchant Account. A Merchant Account is a type of Bank Account that allows businesses to accept payment through their customers.
A merchant account accepts various types of payments including cash, credit cards, and debit cards.
Hence, when the customers pay for a product or service through the credit card, first it deposited into the merchant account and then is transferred into the business bank account.