Know that not all high risk merchant account providers are able to let you sell downloadable items for the simple reason that only a handful of them can provide 100% secure delivery of the files. When this happens you resort to selling at eBay for free, but selling at eBay also has its own pitfalls. In choosing a merchant account provider for selling digital items, you should weigh the following positive and negative points:
PLUS POINTS
The ability of MAPs to deliver digital products sans hacking. Selling digital files won't be called a high risk merchant's territory if it does not involve the risk of getting hacked. Secure download is the rule, not the exception. Passwords with expiration dates are better than having to provide a download link where the url can be easily typed and the file be downloaded repeatedly by different users.
MINUS POINTS
One thing I noticed is that even though a lot of high risk merchant account providers can process payment on your digital download sales, they can only process a very limited number of payment options such as Paypal, some credit card, some e-checks, or process payments only in U.S. dollars.
full article:
Selling Digital Item Features - What's Hot, What's Not
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Using your merchant account services for the digital items may be a little tricky and should take care of the mentioned pitfalls.
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