Ecommerce Merchant Account and Credit Card Processing
E-commerce has revolutionized the way people purchase goods and services. E-commerce, online-only, companies now sell everything from furniture to concert tickets. People don’t have to go from store to store to find the items they want. Now, all they need to do is visit a website that has those items.
The vast majority of customers shopping online use their credit cards to make purchases. The businesses then package their products and ship it to the customers all without needing to storefront.
However, this method of ecommerce leads to a lot of chargebacks, once customers get the goods they ordered and decide to return them. This leads to many ecommerce accounts being listed as high-risk for credit card sales. Find out why low-risk merchant account service providers may not like handling accounts for e-commerce companies and how High Risk Pay can provide the solutions you need!
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Why choose High
Risk Pay as your merchant
services provider ?
SPECIALIZED IN HIGH RISK
We offer high risk merchant accounts to all business types in high risk categories.
99% APPROVAL
We offer high risk merchant accounts to all business types in high risk categories.
FAST APPROVAL GUARANTEED
We offer high risk merchant accounts to all business types in high risk categories.
We Are the Best in the Business
Boost sales and watch your business grow with a merchant account from High Risk Pay
Accepting credit cards is the key to success for many online businesses. We can get your business up and running so that your e-commerce merchant account business can maximize its profits and keep your customers coming back for more.
Our eCommerce credit card processor integrates with your shopping cart to give your customers a secure buying experience.
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Your merchant account will be compatible with:
- Shopping carts
- Major online payment gateways
- Banks with special programs for online merchants
- All types of products and categories
We offer the best ecommerce merchant services for evolving businesses that need to meet the growing needs of their customers. We’ll offer you the best deals and offer you the lowest possible rates for your industry. Saving money on your ecommerce credit card processing means rising profits so that you can continue to grow.
With seamless and secure online payments, you’ll find your customers buying repeat purchases as they will become more likely to buy your products at their convenience.
A merchant account for ecommerce allows you to accept:
- Visa
- Mastercard
- American Express
- Discover
- Echecks
- And more!
What is an Ecommerce Merchant Services Account and Why Do You Need One?
In order to accept credit card payments online, you need the best eCommerce credit card processing available, which means you need both an online ecommerce store and a merchant account.
e-Commerce merchant accounts enable merchants to accept credit cards and debit cards for payment on products or services. This account is provided by a processing bank that’s a member of Visa and MasterCard directly or through a third party. It links all of the components of accepting cards into one system.
How it works
- Once a transaction is processed, the processing bank credits the merchant’s account for the transaction method. It will subtract the processing cost, and then send a payment request to the card issuer.
- The card issuer then subtracts its own costs and sends a monthly statement to the cardholder.
- The cycle is then complete as the cardholder pays off their monthly credit card bill.
At the very least, being able to accept credit cards online will offer you more opportunities to boost your profits. However, by providing your customers with an easy payment solution, you are giving them a quality experience that they are likely to remember and return to.
If you offer a monthly or yearly subscription, you can set up your account to take their payments monthly without either yourself or the customer taking additional steps to make the purchase every month. Once they’d like to end the subscription merchant services, they can cancel at any time easily.
An e-Commerce merchant account lets you:
- Process credit cards at affordable rates
- Manage transactions with a secure online portal
- Maintain PCI DSS Compliance
- Reduce Fraud
- Get Paid Quickly
Security
It’s important to be able to ensure the security of your customers’ financial and personal information. All transactions are SSL-encrypted to ensure complete confidentiality and protect their information from all types of threats. In order for your customers to keep coming back, they need to know that the information they share with you – including their name, address, and bank details – is safe from people who may wish to take advantage of that information
Secure transactions mean putting your customers first so that they can feel safe making a purchase from your website. Once you build that trust, there’s no stopping them from making repeat purchases that can keep your business ahead of the competition.
Quality Customer Support
You should never again be faced with losing a conversion opportunity because of the lack of availability of services like credit card processing.
Consider if you are the customer, and you go to a website, add items to your cart, and go to check out but can’t. Instead, you’re told to check out in a way unfamiliar to you, like calling the merchant to place your order. How many customers are willing to pick up the phone and make that call? Almost none.
Keeping customers should always be your main concern, which is why providing them with the ability and convenience to pay with their credit card is so crucial for online businesses.
We have put together a team of experienced and skilled support professionals to make sure that you can always take credit cards. If a customer visits your online store to find out that you don’t accept credit cards, the likelihood of them coming back is slim to none. Customers always want to use the most convenient option, and if you can’t accept their payments, it means they will be going to your competition from now on.
Our team can help you ensure that your account is always up and running, and customers can check out with zero hassle. If you face any problems when processing payments, all you need to do is contact our customer support, and we’ll help you finish the conversion and make sure you never run the risk of losing another sale.
WHO WE SERVE
High-Risk Merchants We Serve
Ecommerce Payment Processing Solutions
- Retail Payment – If you’re a retail business and need an ecommerce merchant account, you can choose from a traditional credit card terminal, wireless, or point of sale (POS) system. Whichever you choose, our merchant accounts will allow you to accept credit cards faster and at the most affordable industry rates. Read more: How to Accept Credit Card Payments In-store
- Virtual and Online – If you need to accept payments over the phone, via mail, or on your computer, you can do so with a virtual terminal merchant account or an online gateway. There’s no equipment needed. All you have to do is log into your terminal and type in the customer’s credit card to save yourself time and money.
- Mobile and Over The Phone – We know that running a business means you’re constantly busy and need payment solutions that allow you to process payments while you’re on the go. We offer mobile payment options for those who are always on the move. Just choose between an iPad or mobile phone credit card swiper, and you can begin taking credit card payments wherever you are. Read more: How to Accept Over-the-Phone Credit Card Payments
- Websites and eCommerce Payment Processing – If you sell products solely online, you can use our payment gateways to provide secure payment solutions for all of your customers, no matter which type of credit or debit card they have. Our easy-to-use gateways are compatible with most major shopping carts so that you can streamline your business and provide convenient payment options for your valued customers. Read more: How to Accept Credit Card Payments Via Your Own eCommerce Website
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FAQs
Frequently Asked Questions?
What is an e-Commerce mechant account?
An e Commerce merchant account is an account for businesses that do not have a physical place to visit. Some service providers may consider these businesses high risk and not be willing to work with them but we welcome eCommerce merchants.
Is High Risk Pay Safe?
High Risk Pay provides world class services to clients. Our team is dedicated to the management, maintenance of our software. You can rest assured that your customers’ data will remain secure and confidential. However, it is still important that website owners properly manage and update their websites to prevent any exploitation of vulnerabilities.
Payment Processing for Online Retailers
The most significant reason many people choose to shop for products online is convenience. The days of running out to the store are long gone, and almost anything can be purchased online. However, in order to allow your products to be purchased on your website, you must be able to accept credit cards.
If you’re considered a high-risk merchant, you may be faced with excessive fees to your current eCommerce merchant account provider, or have found it easier just not to accept credit cards altogether. If you want to take your business to the next level, you must be able to offer customers the convenience they are looking for when they shop online.
Choosing the right high-risk payment processor for your ecommerce merchant account is easy when you work with High Risk Pay. No matter what industry you’re in, or what the other merchant account providers consider you, we’re here to help you gain the competitive edge.
We offer a proven platform for your ecommerce merchant account, superior support, and an easy application process, along with the lowest rates in the industry.