Ecommerce Merchant Account and Credit Card Processing

ecommerce merchant account and payment gateway

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 solution you need!

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Why choose High Risk Pay as your merchant services provider ?



We offer high risk merchant accounts to all business types in high risk categories.


99% approval

Having trouble getting approved for your high risk merchant account? Did you know HighRiskPay approves 99% of all applicants!



HighRiskPay understands that time is money. Entrust us yours and we’ll be sure to make it worthwhile! Apply Today and Be in Business Tomorrow!

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Why High Risk?

An e-commerce business doesn’t have a physical place to visit.

No physical space means that the company can’t take credit cards in person. In these cases, customers share their card info either over the phone or through a secure web form. For the companies that issue them, theft remains higher for this type of sale.

Here’s another problem. An e-commerce business doesn’t have a place people can visit in person.

While a company needs some place to do business, no walk-in location can be a problem. Banks could think that e-commerce companies don’t have community ties and nothing to lose if those places fail.

The low-risk merchant service providers want to avoid risk. These providers may choose not to give a payment service account to a business that doesn’t have a “stable” place. Low-risk merchant service providers may adopt this attitude even if the e-commerce operation is in someone’s home.

Why Won’t Some Providers Open Accounts?

E-commerce companies, both large and small businesses can be affected by being categorized as a high risk business by banks and merchant service providers. This then affects their ability to to obtain access to payment processing and payment gateways, which then leads to other issues such as: 

  • Needing to use high cost third party card processors since ecommerce businesses are unable to process card payments on their own. 
  • A website unable to process debit and credit card payments will lose customers since most customers shopping online will be using their cards to purchase goods. 
  • Decline in profits since you are unable to market products to a broad market of people. Which ultimately leads leads to lack of growth and potentially the demise of your business

Theft also plays a role in the decision-making process to open a merchant services account with an e-commerce business.

The ongoing switch to EMV chip cards means that thieves can’t get to credit card number databases and make real clones of cards to use in stores. Chip cards have a microprocessor in them that uses a verification system readable only between a store terminal and card-issuing bank.

Since it is impossible to process an EMV chip card on a EMV card reader with the physical card the possibility of theft is much lower. However, this is not a possible solution for online shopping since all aspects are digital; in fact, card issuers and processors expect online card theft to become higher even with the switch to the EMV chip cards. 

Why Is Theft a Major Concern?

Processing a credit card online uses two methods: address verification and card value verification. The latter refers to the three numbers on the back of the card. Credit card processors have used these methods for e-commerce sales for some time, but these sales are not as secure as before.

E-commerce businesses have little in the way of making sure that a card isn’t stolen. The only option is to use theft detection systems at the card processing and issuing bank levels. The best merchant account for E-commerce companies may have a harder time getting a merchant services account once the switch to EMV cards takes place.

Low-risk merchant account providers don’t want to lose money. They take measures that lower their exposure to merchant accounts with stolen credit cards. These providers sometimes make room for the occasional spike in high-volume sales. However, more chargebacks than normal or an increase in the average ticket price will not always be allowed.

If the provider notices an unusual spike in areas such as chargebacks on your site, that provider can close the account without warning. As a result, a company will be unable to accept credit cards and will lose its reputation as a responsible business.

Don’t Let Risks Stop Your Decision to Open an Account

Opening a merchant services account to accept credit cards is still worth your effort. But what about the e-commerce company owners who can’t use low-risk merchant service providers for an account? High-risk e-Commerce merchant account service providers can step in to fill the void.

High Risk Pay can provide you the tools you need to stay in business. We specialize in partnering with High-risk merchants across multiple industries. We know what it takes for you to succeed.

High Risk Pay offers merchant accounts to the e-commerce businesses that can’t open a credit card processing account with a low-risk provider.

high-risk merchant account can provide the same types of services as low-risk providers. But, there’s no stress of account closure. High Risk Pay welcomes customers who may not be able to open an account with other  payment processing providers.

High-risk merchant account providers like High Risk Pay have advantages. They are familiar with and accept risks that come with e-commerce business operations. We at High Risk Pay understand that chargebacks and theft are a part of doing business in an online environment. We also recognize that many sales get processed and cleared without any trouble. The vast majority of your customers will be honest people looking to purchase your goods and services; therefore, it would be a disservice to you and your customers to not be able to operate only because a tiny percentage of people seek to obtain your goods dishonestly through fraud. High Risk Pay can help mitigate instances of fraud. Learn more about High Risk payment gateway usa.

In short, High Risk Pay is in the business of helping our e-commerce customers to expand and grow their virtual companies. We help business owners become able to accept credit cards for online sales. How do we do this? High Risk Pay uses secure detection systems to stop theft and criminals before they can cause any harm to business.

If you own an e-commerce business and have been turned down when you applied for an eCommerce merchant account, don’t give up. Contact us to find out how we can help you open a high-risk merchant account for your e-commerce business. Our rates are competitive, and approvals for new accounts can be made in a short time. We like to work directly with our customers to get them the products and support they need to run their e-commerce businesses securely and profitably.

What are you waiting for? APPLY NOW!

We Are The Best In 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.

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

  1. 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.
  2. The card issuer then subtracts its own costs and sends a monthly statement to the cardholder.
  3. 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


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.

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

Frequently Asked Questions

What is an e-Commerce merchant 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.