High Ticket Merchant Account

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High Ticket Merchant Account

High ticket merchant accounts give you the ability to accept card payments for higher cost products & services.

High ticket items are acceptable for business-to-business and business-to-consumer sales.  Business-to-business high ticket sales are classified as standard risk.  In fact, special lower interchange rates are available for commercial merchant accounts with ticket amounts over $10,000. 

High ticket business to consumer sales are classified as high risk by banks & processors.  Yet, many businesses selling to consumers routinely have high ticket sales including:

  • Electronics
  • Jewelry
  • Collectibles
  • Furniture
  • Auto accessories
  • High- end fashion
  • Luxury goods
  • Precious metals / commodities
  • Travel 
  • Merchants in any industry selling high ticket goods or services to consumers


Reasons High Tickets are Considered High Risk

Business-to-consumer high ticket sales are classified as high risk by payment processors.  The reasons are easy to understand. 

  • High ticket sales carry greater risk for chargebacks than do lower ticket items. 
  • The risk of loss is greater if a consumer charges back a $5000 sale than one for $100. 
  • Consumers are far more likely to chargeback than are businesses.

Some payment processors consider business-to-consumer sales products or services sold for $1000 or more high ticket items. Others classify businesses selling products over $500 to be high ticket merchant accounts. PaynetSecure establishes payment processing accounts for businesses in any industry that need to accept payments for higher ticket goods & services.


Tips for High Ticket Merchant Account Approval

As you apply for your high ticket merchant account, keep in mind the way the acquiring banks and processors evaluate your application.  Supply the information necessary to improve your chances of account approval. 

Be prepared to answer the question at the top of the underwriter’s mind which is: “How is this company going to mitigate the risk for chargebacks & fraud?”

  • Be completely transparent on what your average ticket and high ticket will be on your application. 
  • Consider adding an identity check on buyers before submitting the transaction. Electronic ID verification at checkout is easy and inexpensive to implement. Or request buyers email you a selfie holding a driver’s license or other proof of identity. 
  • Make sure your business financials and / or bank statements show that your company has the capital to cover losses from fraud and chargebacks if it becomes necessary.
  • Obtaining a digital signature (or faxed authorization) from the customer who is purchasing the item protects you and helps you win chargeback disputes.
  • Block sales to countries that are well-known for internet fraud.
  • Manually review any orders that seem suspicious to you.
  • Use the fraud fighting tools within your payment gateway. The fraud fighting tools within high risk processing gateways are robust.  Review your reports and follow your ordering trends.  Change settings on a regular basis.  Be proactive. 
  • Use early-warning systems to keep disputed transactions from turning into chargebacks.


How Fraud Affects High Ticket Merchants

You may think the acquiring banks would be happy processing for high ticket merchants.  Yet, the opposite is often true.  While high ticket sales represent the opportunity for profits to you, an acquiring bank sees risk. 

Sure, lower ticket items are also subject to chargebacks.  Still, a lower ticket item chargeback will have far less effect on your merchant account processing than chargebacks for high tickets.

A common scenario is when a cybercriminal uses a stolen credit card is to buy high ticket items, such as electronics.  The items are shipped to a location in the US to avoid detection by unsuspecting merchants.  Then the item is quickly shipped out of the country.  The merchant, processor, and the acquiring bank are then on the hook to cover the loss. 

And don’t forget about “friendly fraud” where consumers buy a high ticket item.  Only to play the “chargeback game.” 

Here’s how the game goes

Once a product is received, consumers call their issuing bank and claim the item was damaged, not received, not ordered, not as promised etc.  Consumers have millions of reasons why they should not be responsible for paying. 

Essentially, they are looking to get something for which they agreed to pay for free.  And guess what?  They often do. 

Your high ticket merchant account includes extensive tools to protect you against fraud.  And chargeback management services that prevent consumer disputes from turning into chargebacks. 


Choose PaynetSecure for Your High Ticket Merchant Account

PaynetSecure has helped thousands of companies successfully establish and diversify payment processing accounts.  Put our experience to work for you.

  • Free application with no obligation.
  • Level 1 security. PCI-DSS payment gateway is the highest level of processing security, keeping your business safe.
  • Choice of banks. Extensive network of domestic and international banks for high volume processing capacity.
  • Multi-channel payments. Accept payments online.  Securely accept MOTO transactions with a virtual terminal.
  • Chargeback prevention and mitigation services. Protect your high ticket merchant account.
  • Fraud fighting weapons. Robust customizable fraud fighting tools safeguard your business.
  • Load balance multiple accounts on a single gateway to simply account management and reconciliation.
  • Multiple payment methods.  Add echecks, ACH merchant accounts, and localized payment options to increase sales and profits.

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.


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