If you are dealing with a product which carries a high risk of being charged back, then it would be a good idea that you obtain a high risk merchant account from a payment gateway which will be able to cope with a large demand.
High risk merchant accounts can also help you to avoid selling products to fraudulent buyers. The following is a list of high risk products/businesses, if you sell or provide one of these products or services then you should have a high risk merchant account.
# High risk categorized product/services:
Online Hype site
Weight loss products
Computer Software (electronic download)
Computer Software (tangible)
Discount health cards
Discount/Prepaid phone cards
Financial Advisory Services
Miscellaneous food sales
# High risk business- payment service providers: