Ecommerce Merchant Accounts

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Ecommerce Merchant Accounts

Searching for secure payment processing for your online business?  You landed in the right place.  PaynetSecure provides eCommerce credit card processing to high volume and high risk merchants. If you need additional processing capacity to grow your business or you are in a high risk industry, contact us today to apply for your eCommerce merchant account.

  • Low Rates. Contact us now for a no obligation rate comparison.
  • Fast Approvals. Speed time to market to quickly get more sales.
  • Level 1 PCI-DSS eCommerce Gateway. Protect your business and your customers. Advanced technology with military-grade security surpasses the most stringent standards for compliant eCommerce payments.
  • Extensive Network of Banks. Get a single eCommerce merchant account. Or establish multiple eCommerce payment accounts to mitigate processing risk.
  • Fraud Fighting Weapons. Quickly accept good orders.  Decline bad ones.  Set aside questionable transactions for review.
  • Chargeback Protection Tools.  Chargeback warning services help prevent chargebacks before they occur.  Chargeback mitigation systems assist in fighting chargebacks you can win.
  • Serious Customer Service.  Get the help you need when you need it. Highly trained representatives dedicated to your success.


What is an eCommerce Merchant Account?

The rapid growth of eCommerce has transformed the way goods & services are sold.  Almost 2 billion people, or 25% of the worlds’ population, shop online.  Ecommerce payments already account for 14% of total retail sales.     

In today’s world, consumers turn to the internet to shop and buy. This world-wide cultural shift makes selling online exceptionally rewarding for all types of businesses.  Ecommerce merchants will experience unprecedented growth as online shopping continues to accelerate in the coming years.

Ecommerce merchant accounts give online sellers the ability to accept debt and credit card payments.  Alternative payment methods are often included as a fast way to increase sales with no additional work.  The more ways customers can buy from you, the more sales you receive.

In the US, adding ACH or echecks to the checkout page increases eCommerce merchants’ orders up to 30%, depending on the product & service being sold.  For international eCommerce merchants, adding familiar “in-country” payment methods can boost sales up to 40%.


What Does a High Risk Merchant Classification Mean?

High risk is a generic term used by acquiring banks to describe businesses which have statistically greater likelihood of chargebacks.  A chargeback occurs when consumers contact their card issuing bank to dispute a transaction.  Chargebacks can occur for many reasons, including products not performing as promised; customers not receiving the products; or customers claiming that the eCommerce merchant did not respond to their issues.

Friendly fraud is common as savvy internet shoppers often dispute a transaction in hopes of getting the product or service for free.  Consumers understand that card issuing banks generally side with the cardholder since that person is a customer of the bank.  And, if the customer insists, the merchant will be issued a chargeback. 

Even if a company has low chargebacks, acquiring banks can still classify a business as high risk.  Some industries are classified as high risk because acquiring banks are concerned about “reputational risk” of processing for businesses in certain industries.  Other reasons for a high risk classification include products or services being sold, targeted markets, or billing models. 

High risk merchants can certainly acquire eCommerce merchant accounts with low rates and favorable terms.  Still, there are fewer acquiring banks willing to process for high risk eCommerce merchants compared to standard risk businesses. 


What is Included in Your Ecommerce Merchant Account?

An eCommerce merchant account has two parts.  First, the merchant account established with the acquiring bank, gives you the ability to debit & credit cards and other payment methods.  The second part is the secure eCommerce payment gateway, through which online payments are submitted to the banking networks for approval.

All eCommerce merchant accounts include the following:

  • Accept All Major Card Brands. Easily take eCommerce payments from buyers using debit or credit cards. 
  • Level 1 PCI-DSS Ecommerce Payment Gateway. Advanced technology ensures the highest security for eCommerce payments.  Transactions are SSL encrypted with military-grade security ensuring data confidentiality and protecting sensitive card information from data breaches.
  • Virtual Terminals. Securely accept mail, fax & mail orders (MOTO).  Unlimited virtual terminals are included as a standard feature on all accounts.  
  • Fraud Fighting Weapons. Extensive fraud filters help you quickly approve good orders and decline fraudulent ones.  Customize fraud protection features to meet the needs of your business.
  • Chargeback Protection & Mitigation Services. Chargeback protection keeps prevents chargebacks before they occur.  Chargeback mitigation services helps you fight chargebacks you can win.
  • Superior Customer Service. Highly trained customer service representatives dedicated to your satisfaction.  Get the help you need when you need it. 
  • Robust Cloud Reporting. Access reports in any format.  Customize to meet your needs. 
  • CRM, Shopping Carts, Accounting Systems. The online payment gateway is already integrated with most major CRM, shopping carts & accounting systems.  Easily share eCommerce payment data. Streamline business operations while increasing productivity.


How to Apply for Your Ecommerce Merchant Account

Applying for an eCommerce merchant account is a straight-forward process.  You simply submit an application along with supporting documentation about your company. Application is always free with no obligation.  Ecommerce merchants are approved in 1-3 days. 

Supporting documents include: Color copy of ID for signer on account, bank statements, processing history, voided check from depository account, and business formation documents.

It’s helpful if the signer on the eCommerce merchant account has good personal credit.  If credit is not good, adding a co-signer with good credit is a smart way to get the account approved. 


Ecommerce Merchant Account Approval Process

Once the application package is received, the underwriter team verifies the information on the application form.  Then, supporting documents are reviewed.

Ecommerce payment processing history is examined with an eye to chargebacks.   If chargebacks are low, that’s great.  If chargebacks are rising, include a short explanation as to the reason and what is being done to bring them under control. Bank statements are reviewed to verify there is enough money in the business bank account to support the processing volumes being requested. 

All eCommerce merchants have websites.  It’s a good idea to go through each page of the site to be sure all pages are displaying properly before submitting your application.  Make sure all contact forms are working correctly.  Clearly display privacy, returns, shipping, customer service contacts and other pertinent information. 

The underwriting teams frequently conduct internet searches for reviews on a company or owners.  Do this yourself so you’ll know what’s out there.  Naturally, most companies do not have perfect reviews.  Still, do your best to respond to comments in a courteous & professional manner, which demonstrates that you care about customer service.

Once the eCommerce merchant account is approved, your merchant account ID is issued.  And you can begin processing immediately.


Special Ecommerce Payment Solutions

High volume and high risk merchants have different requirements for processing than do low volume, standard risk accounts.  High volume merchants need processing capacity to operate and grow their business.  High risk merchants need access to acquiring banks that will accept businesses in their industry.

PaynetSecure gives you:

  • Multiple Ecommerce Merchant Accounts. Diversifying accounts gives you the processing capacity you require. And mitigates risk by avoiding dependence on a single bank.
  • US Ecommerce Credit Card Processing. Extensive network of acquiring banks gives high volume & high risk eCommerce merchants processing capacity required to manage & grow their businesses.   
  • International Ecommerce Merchant Accounts. Great option for eCommerce merchants selling world-wide.  And for high risk merchants that want to diversify processing offshore.  
  • Ecommerce Payment Gateway. Highest level of security exceeds the most stringent standards for secure eCommerce payments.  Safeguard your business and your customers. Offload responsibility for compliant processing to the online payment gateway.
  • Multiple Ecommerce Merchant Accounts. Automatically load balance among multiple merchant accounts based on volumes, products, or other criteria.  View and manage all accounts globally or on an individual basis.  Simplify account management and reconciliation.
  • Multicurrency Payments. For global eCommerce merchants, accepting payments in familiar local currencies is the easiest & fastest way to increase sales. 
  • Alternative Payment Methods. ACH / echecks boost orders from US customers.  For global eCommerce, offer localized payment methods preferred by international buyers. 

Let Us Work for You

Your Success is Our Mission

Payments power profits. PaynetSecure specializes in high volume & high risk merchant services. Over the past 18 years, the company has successfully provided proven, reliable & secure payments processing to thousands of US & international businesses. Securely accept cards payments. Add alternative payment methods that drive more orders and accelerate sales. Access specialized processing solutions designed to increase your profits, while reducing risk. Discover top notch service, dedicated support, and devotion to your complete satisfaction. Contact us anytime for a free, no-obligation consultation. Your complete satisfaction is our goal. 


PaynetSecure is a one-stop-shop to fulfill all your payment processing needs.


High risk?  No problem. We love high risk merchants. 

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Increase profits by expanding your customer base world-wide.

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Customizable tools keep your business safe.

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