Approval requirements, reserves, settlement timelines, fraud controls, and supported business categories can vary significantly between providers. This guide explains the key factors high-risk Shopify merchants should evaluate when choosing a payment gateway, along with how Cashfree approaches payment processing and risk management for eligible businesses. Understand Your Risk Profile Before Choosing a GatewayHigh-risk classification can result from several factors. Understanding these elements helps merchants identify the payment solutions and requirements that are most relevant to their business. Industry classification is one factor in an initial risk assessment, and certain sectors may receive additional scrutiny because of regulatory requirements, transaction patterns, dispute rates, or consumer protection considerations.