No Chargeback Merchant Account for High Ticket Sales

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No Chargeback Merchant Account for High Ticket Sales

Are you selling high ticket items and want a payment method with no chargebacks?  You’ve landed in the right spot.  eCommerce merchants with high ticket sales now have an effective way to accept online payments with no chargeback concerns.

Secure online payments with bank-to-bank transfers is great for ecommerce merchants with high ticket sales. Adding the payment method on your checkout page is the easiest way to boosts profits with no additional work.

Bank transfers are the most secure online payment method available for high ticket merchants and your customers.  Buyers pay you on your checkout page without revealing any financial information. Payments are like cash. 

  • Most Secure Online Payment Method.   Bank transfers are authorized in real time.  Once shoppers authorize payment, money is guaranteed to merchants selling high ticket items.
  • No Chargebacks.  Eliminate chargebacks.  Payments are like cash.  Once buyers authorize the payment, it cannot be charged back.    
  • Rapid Settlements.  Settlements are quickly deposited to your bank account in 1-2 business days.
  • No Reserves.  No more tying up working capital with unnecessary reserves.   No more waiting up to 6 months to get your reserves released. Or risk losing reserves.
  • Unlimited Processing Volume.  Ecommerce merchants with high ticket sales have no caps on volumes.  Unlimited processing capacity with no chargeback risk. 
  • Protect Existing Merchant Accounts.  Reduce risk. High ticket merchants now have a payment method with no chargebacks. Giving you an effective strategy to help keep card chargeback ratios under control.
  • Simple Application.  Much easier than applying for high risk merchant accounts for card or echecks.  Fewer documents are required. Accounts are approved quickly. 
  • Privacy for Buyers.  Many online shoppers do not want to disclose sensitive payment data to high ticket merchants.  Secure online payments with bank transfers let you accept payments from customers who are hesitant to provide financial information when purchasing online. 


How the No Chargeback Payment Processor Gateway Works

Ecommerce merchants with high ticket sales are embracing secure online payments with bank transfers because transactions are like cash.  When a shopper authorizes the purchase, funds are guaranteed to you. 

Also known as “push payments” bank transfers are the most secure method for customers to purchase from you.   High ticket merchants are happily surprised by the number of customers who choose to pay with a bank transfer rather than a card or echeck. 

No registration is required.  No sensitive payment information is disclosed on your site.  Buyers’ trust is increased because they feel safe purchasing from you.

Customers pay you through checking or savings accounts.  The customer’s bank verifies the identity of the customer.  High ticket merchants enjoy secure online payments with real time authorization, guaranteed funds, and absolutely no chargebacks.

  1. On your checkout page, shoppers choose bank transfers and are automatically redirected to their online bank to login.  More than 98% of American banks are integrated with the secure online payment bank transfer platform.
  2. Your invoice for the purchase is automatically displayed when the customer logs in. The customer clicks to authorize the purchase. 
  3. After the payment is authorized, the customer is automatically redirected back to your website to view and print the purchase receipt.
  4. You receive notifications when payments are made.  Orders can be then be fulfilled since funds are guaranteed to you. 
  5. Funds from the secure online bank transfer are deposited to your bank account within 24-48 hours. Online reporting makes tracking and managing all payments a breeze.
  6. Paying for high ticket sales with a bank transfer does not require any customer enrollment or registration.  Buyers simply access their online bank for completely secure online payments. No additional steps are needed.  Customers start & end the payment process right on your website. 

When bank transfers are offered as an additional payment option at checkout, customers who do not want to disclose card or bank account information to high ticket merchants have another way to purchase from you.  You enhance customer trust and satisfaction.  While increasing your bottom-line profits.

Gain a competitive edge by adding secure online payments bank transfers to your ecommerce checkout page to get more high-ticket sales. The more ways customers can pay you, the more orders you receive. 


Will Shoppers Use Bank Transfers to Pay for High Ticket Sales?

High ticket merchants often ask if buyers will pay with bank transfers.  The answer is a resounding yes.

Many online shoppers prefer secure online payments with bank transfers over cards or echecks.  These shoppers do not want to disclose sensitive financial information to merchants, particularly for high ticket sales.   

Other shoppers simply prefer to pay for high-ticket sales using a bank account rather than a card.  Although echecks are an alternative payment option, echecks can still be revoked (charged back).  Or can bounce due to insufficient funds. 

There are no chargebacks with secure online payments with bank transfers.  Eliminating any risk to you from chargebacks from card transactions.  And from no more revokes or returns when accepting payments from bank accounts. 

Offering banks transfers on your checkout page is a winning strategy for both high ticket merchants and customers.  Make it easy for shoppers to buy from you by accepting multiple types of payments. 

Of all the current ecommerce payment methods, bank transfers are the only secure online payment method authorized in real time with payments guaranteed to you. 

Many online buyers will choose to pay you with a bank transfer, resulting in lower overall chargeback ratios for credit card or echeck transactions. Helping high ticket merchants reduce chargebacks & safeguard card and echeck merchant accounts. 


No Chargebacks Payment Gateway for High Ticket Merchants

Offering a no chargeback payment option at checkout is a smart move for ecommerce merchants with high ticket sales.  While all types of ecommerce businesses can benefit from the payment option, it’s particularly helpful for merchants interested in reducing overall chargeback risk while gaining additional customers.  

High ticket merchants selling to consumers are considered high risk by acquiring banks for card and echeck processing.  Since ticket sizes are high, a few chargebacks per month can spike chargeback ratios, which negatively affect card & echeck merchant accounts.   

Chargebacks happen when buyers call card issuing banks to dispute transactions. 

When a chargeback is initiated, card issuing banks generally side with the cardholder rather than the high-ticket merchant.  The cardholder is a customer of the card issuing bank so it’s easy to understand why the chargeback system is skewed in favor of consumers over merchants.

When a chargeback occurs, high ticket merchants lose the money for the product; must pay fees assessed card or echeck providers; and risk exceeding chargeback ratios required to keep merchant accounts in good standing. 

High ticket sales are subject to chargebacks as a result of fraud from cybercriminals.  And, more commonly, from “friendly fraud” where shoppers dispute a charge to attempt to get the product or service for free.   

Cybercriminals target high ticket merchants to purchase expensive goods with stolen cards.  The products are shipped before the original cardholder realizes that the card has been stolen.  Then the cardholder initiates the chargeback. The high-ticket merchant losses profits from the sale.  And must pay chargeback fees on top of that. 

As disturbing as cybercrime is, friendly fraud is more widespread.  Savvy internet shoppers seek to obtain high ticket sale products without paying by initiating a chargeback.  These shoppers understand that card issuing banks usually side with cardholders instead of high-ticket merchants.  When this occurs, even though the transaction was a good one, high ticket merchants still lose.     

A no chargeback merchant account with secure online payments bank transfers mitigates processing risk.  More transactions paid for with bank transfers helps keep chargeback and return ratios under control.


Secure Online Payments Boosts Sales and Protects Customers

According to Pew Research, only 10% of Americans are ‘very confident’ that websites can keep payment information secure.  More than 50% of ecommerce shoppers worry about privacy and identity theft. 

Fears are reinforced by continuous news reporting data breaches and theft of financial data at major retailers, ecommerce sites; government agencies, and institutions. 

Almost 40% of ecommerce shoppers have abandoned shopping carts due to concerns about security.  70% of online buyers decide on payment methods at checkout based on how secure the payment method is perceived to be. 

It’s clear that perceived security of payments impacts sales. Bank transfers are simply the most secure way for consumers to pay online and for high ticket sales merchants to receive payments. 

Secure online payments with banks transfers answers shoppers’ concerns about buying online by providing a safe way to pay for ecommerce purchases.  Customers purchase from you without the need to disclose any sensitive financial information, ensuring security for online payments. 


What are High Ticket Sales?

Although there is no standardized definition for high-ticket products, high ticket sales are commonly described as products costing more than $500.  High ticket sales products include:

Household Goods.  Furniture, mattresses, hot tubs, appliances, high end cooking, robotic vacuums, home improvement products; power tools, lawn care; security systems, pet houses, toys, home theaters, exercise equipment.

Automotive, Motorcycle & Boating.   Parts, equipment, sound systems; security, helmets, clothing, navigation systems, specialized tools, and accessories.

Collectibles.  Online auctions, art, coins, antiques, precious metals; commodities, customized products.

Jewelry / Apparel / Beauty.  Watches, jewelry, accessories, designer goods, luxury items, beauty products, high-end clothing, expensive shoes.

Electronics.  Televisions, computers, gaming systems, digital cameras, sound systems, office equipment,

Sports / Hobbies.  High ticket equipment and accessories for sports & hobbies such as biking, camping, golfing, boating, skiing, music, diving, travel, hunting, soccer, football, basketball; paint ball, gaming, drones, models.

Travel.  Airline tickets, tours, accommodations, cruises, excursions, entertainment.  

Secure online payments with bank transfers are authorized via a real time bank response.  The customer’s bank authenticates the identity of the purchaser prior to authorizing the sale.

Fraud is eliminated.  Chargebacks do not occur.  And payment is guaranteed to you. 


How to Apply for a No Chargeback Merchant Account for High Ticket Sales

High ticket merchants discover applying for secure online payments with bank transfers is simpler than applying for a credit card merchant account. The application process is automated.  Accounts are approved fast with rapid processing of the paperwork needed to set up the account. 

Once you decide to move forward, the application package is sent to you via secure email. You complete the short application form along with a few supporting documents. Far fewer documents are required to establish secure online payments with bank transfers than card or ACH merchant accounts. 

Supporting documents include:  Color copy of a passport or driver’s license; voided check with information for settlement of processing funds; and Articles of Incorporation or LLC. 

Implementation is easy.  High ticket merchants processing over $100K per month are welcome to use an API for direct integration to websites.  And ecommerce merchants of all sizes can take advantage of plug-ins for fast implementation with no need for technical expertise. 


Why Merchants with High Ticket Sales Choose PaynetSecure?

For more than 20 years, high ticket merchants have successfully used our services to establish ecommerce merchant accounts.  Payment methods offered include credit & debit card processing, ACH, electronic checks, secure ecommerce bank transfers and other alternative payment options preferred by buyers throughout the world. 

With no chargeback bank transfers, you expand your sales, protect your customers, and expand your profits.  Merchants with high ticket sales for any all goods and services are welcome to apply. 

 No reserves.  No chargebacks.  No worries.   Here are the primary benefits to you.

  • Funds are Guaranteed.  Once online bank transfers are authorized by the buyer, your money is guaranteed. Transactions cannot be returned or revoked. There are no chargebacks.
  • Fast Settlements.  Streamline your cash flow.  Money from secure online payments with bank transfers are settled to your bank account within 1-2 business days. 
  • Real Time Authorization.  Notification is immediately sent to you when a payment has been made. Allowing you to quickly fulfill orders, satisfying consumer demand for fast delivery of ecommerce purchases.
  • Enhance Customer Trust. Shoppers pay without revealing any sensitive financial information on your site.   Protect privacy while increasing trust.  The more shoppers trust you, the more orders you receive.
  • Easy to Use.   Secure online payments bank transfers for ecommerce purchases at checkout is as easy as using any other payment method.  No registration is required.
  • Say Good-Bye to Chargebacks, Declines and NSF.  Seriously mitigate your payment processing risk.  Protect echeck and card processing high ticket merchant accounts by lowering chargeback ratios.
  • Bank Security Protects Against Fraud.  Keep your business and your customers safe. Buyers securely pay online with bank transfers. There is no fraud.  And payments to you are guaranteed.   
  • New Sales.  Get orders from online shoppers who do not want to reveal financial information when buying online.  And get sales from shoppers who do not have cards, are maxed out on cards or who simply prefer to pay with a bank account instead of a card
  • High Risk Merchants Welcome. Superb payment method for high risk merchants and companies that sell high ticket goods online
  • Plug-in.  WordPress / Woo-Commerce / Shopify.  Fast implementation. Speeds time to market.
  • API.   For high volume merchants that want direct integration to websites.

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. 


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