Which of the following is NOT typically categorized as a High-Risk Merchant?

Fast food restaurants are generally not classified as high-risk merchants due to the nature of their business model and the low chargeback rates typically associated with them. The fast food industry usually involves straightforward transactions that are less likely to result in disputes compared to other sectors. This means that they tend to have a stable customer base and consistent revenue streams, making them less risky from a payment processing perspective.

In contrast, the other options—telemarketing, adult websites, and online pharmacies—are often seen as high-risk due to various factors such as higher likelihood of chargebacks, regulatory scrutiny, and age-restricted services. These elements contribute to increased risk profiles, thus categorizing them as high-risk merchant types in the eyes of payment processors.