For companies whose day to day revenue is completely dependent on taking payment by phone or over the Internet, determining which payment solution to work with is one of the most important decisions a business will make. Performance Card Service was founded in 2001 to serve the Medium to High Risk Merchant community. As e-commerce was rapidly expanding in almost every industry, we saw a parallel increase in fraudulent transactions. This trend initiated regulations in the US and abroad which made approval difficult for certain business types. The industry also saw a huge spike in merchant account providers that offered sub-par service. In turn, this created the demand for an efficient and reliable High Risk Merchant account consulting service. By utilizing several banks, MSP’s, ISO's, IPSP's, Fraud Experts, and Programmers, Performance Card Service was able to develop an information system that would allow legitimate medium to high risk businesses a safe funding source for their transactions and several payment options for their clients.