Each bank has policies that determine which business industries are considered too much of a risk to take on as customers. A business may be rejected by one bank but accepted by another, depending on the individual bank's policy. Businesses classed as high risk can be refused a regular merchant account and have no choice but to open a high risk merchant account in order to facilitate accepting card payments on their website. The factors determining whether a business is high risk or not are often in flux and businesses that were considered low risk one year may find themselves considered high risk the next and need to find a specialized card processor.