Ans : Low risk businesses include regular retail and online trading businesses. On the other hand, ZoftPay.com
defines high risk businesses as those involving adult entertainment, travel, pharmacies, online casinos and
gaming, cigarettes and tobacco products, replica products, online auctions and debt services, online dating, e-
wallet and E-cash, IPS, and hosting services. High risk businesses are normally charged with higher charge
back and refund rates.