Sell Online with No Chargeback Merchant Accounts

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Sell Online with No Chargeback Merchant Accounts

Are you a ecommerce merchant looking for an effective way to process payments with no risk of chargebacks?  You’ve come to the right place.  Now you have an effective way to accept ecommerce payments with no risk of chargebacks.

The bank-to-bank transfers no chargeback payment platform was designed specifically for ecommerce businesses, particularly those classified as high risk merchants.  Adding secure bank transfers on your checkout page as an alternative payment method boosts profits by eliminating the risk of chargebacks. 

Bank transfers are the safest online payment method available for companies that sell online.  Buyers securely pay on your checkout page without revealing any financial information.  Payments are like cash so there is no risk of chargebacks.

  • No Chargebacks. Get rid of card chargebacks.  Bank transfers are like cash.  Once payment is authorized by the customer, funds are guaranteed to you and cannot be charged back.
  • Quick Settlements.  Processing funds are settled to your bank account within 1-2 days.
  • No Reserves.  Free up your money.  No more tying up your working capital with reserves to payment processors.  Eliminate risk of losing reserves or waiting 6 months to get them back.
  • Unlimited Processing Volume.  No caps on monthly volumes.   Process as much as you want. 
  • No Caps on Ticket Size.  Great option for high ticket merchants.  Once payment is received, transactions cannot be charged back.
  • Eliminate Fraud.  Secure online payments with bank transfers gets rid of fraud.  No more cybercriminals.  And no more “friendly fraud”.
  • High Risk Merchant Account Protection.  Reduce processing risk. Secure online bank transfers with no chargebacks help lower overall card chargeback ratios.
  • Simple Application. Electronic application with far fewer supporting documents than required for card or ACH merchant accounts.  Rapid account approvals so you get more orders quicker.
  • Privacy for Buyers.  Secure online payments with bank transfers gets you sales from customers who do not want to provide sensitive payment data to online sellers.   
  • Superb Alternative Payment Method.  Excellent option for ecommerce merchants who are unable to obtain card processing due to types of products being sold.  Now you have another choice for US ecommerce payment processing to grow your business.
  • Most Secure Online Payment Method.   Authorized in real time, bank transfers are do not require disclosure of sensitive payment data.  Once payments are made, funds are guaranteed to the online seller and cannot be charged back by the buyer


How the No Chargeback Payment Processor Gateway Works for Ecommerce Merchants

Secure online payments with bank transfers are like cash transactions.  Once buyers authorize the purchase, funds are guaranteed to ecommerce merchants. 

Also known as “push payments” bank transfers are the most secure method for shoppers to buy from you.  Ecommerce merchants are happily surprised by the number of consumers who prefer to pay with a secure bank transfer rather than a card or echeck. 

No sensitive financial information is disclosed to the seller.  Customers feel safe buying from you. Shoppers who trust you purchase more from you. 

Shoppers pay you through online checking or savings bank accounts.  No financial information is entered on your website.  Ecommerce merchants enjoy secure online payments with real time authorization, guaranteed funds, and no risk for chargebacks.

  1. On your ecommerce checkout page, shoppers select secure bank transfers as the payment preference. Customers pick their online bank and are automatically directed to the bank’s website to login.  More than 98% of American banks are integrated with the secure online payment bank transfer platform.
  2. Customers login to their online banking portal. The bank authorizes the consumer through the buyer’s login credentials.  The invoice for the purchase is automatically displayed.  The buyer confirms the purchase. 
  3. Once the payment is authorized, the customer is redirected back to your website to view and print the purchase receipt.
  4. You receive real time authorizations when payments are made.  Orders can be fulfilled immediately, which is particularly important for ecommerce merchants.
  5. Funds settle to your bank account within 24-48 hours. Robust online reporting provides you a simple way to easily manage and track all transactions in real time.

Paying for products & services with secure bank transfers does not require any customer enrollment or registration.  Buyers simply access their online bank for completely secure online payments.

When bank transfers are offered as a payment method at checkout, customers who do not want to disclose card or bank account information to online sellers can still purchase from you. You boost customer trust and buyer satisfaction.  While increasing your bottom-line profits.

Adding secure online payments bank transfers to your ecommerce checkout page gives you a competitive advantage. The more ways shoppers can pay you, the more sales you make. 


No Chargeback Merchant Accounts Help You Sell Online

Having a no chargeback payment option at checkout is a wise business decision for ecommerce merchants.  All types of companies that sell online can benefit from a payment method option where buyers do not have to disclose sensitive financial information. 

Still, having a no chargeback merchant account is particularly helpful for high risk merchants interested in reducing overall chargeback risk while giving customers another way to pay safely online.

High risk merchants are especially vulnerable to chargebacks.  In fact, the main reason acquiring banks classify businesses is due to an increased likelihood of chargebacks associated with certain industries.  

Once chargebacks are initiated by buyers, issuing banks almost always side with the consumer rather than the merchant.  The person initiating the chargeback is a customer of the card issuing bank.  Therefore, it’s easy to understand how the chargeback system is skewed in favor of buyers rather than online sellers.

Businesses that sell online are vulnerable to losing credit card processing merchant accounts when chargebacks exceed the ratios required to keep accounts in good standing.  

Many customers buying from online sellers will choose to pay with a secure bank transfer rather than a card or echeck.  Resulting in lower chargeback ratios overall for card or echeck transactions.  Helping ecommerce merchants keep chargebacks under control while safeguarding card & echeck merchant accounts. 

Additionally, some companies that sell online cannot obtain credit card merchant accounts if products are not acceptable to acquiring banks.  Yet, companies that sell online all need an effective way to accept ecommerce payments.  Secure bank transfers are the solution.


Secure Online Payments Boosts Sales, Eliminates Fraud, and Protects Buyers

Fraud is rampant on the internet.  Secure online payments with banks transfer eliminates shoppers’ concerns about purchasing online by offering a safe way to pay to ecommerce purchases.  Customers buy from you without disclosing any sensitive financial information, ensuring security for online payments. 

More than 50% of online shoppers are worried about privacy and identity theft.  Consumers are concerned about revealing financial information when purchasing online. These concerns are regularly reinforced by on-going news reports on data breaches and theft of financial data at major retailers, ecommerce sites, government agencies, and all types of businesses. 

Fraud is a major issue for all companies that sell online.  Cybercriminals are constantly trolling for vulnerable ecommerce merchants where stolen cards are used to make purchases.  When the real card holder sees the transaction, a chargeback always results. 

The online seller then experiences the loss of money from the sale of the product, the cost of the chargeback itself & increased chargeback ratios that can negatively impact a high-risk credit card processing account. 

Adding to actual fraud is what is known as “friendly fraud”.  Here consumers initiate a chargeback to try to get something for free by avoiding paying for a product.  Savvy consumers know how to play the game & understand that card issuing banks usually side with their customers rather than ecommerce merchants. 

For companies selling high ticket items, both cybercrime & friendly fraud are especially devastating.  Imagine how quickly chargebacks drag down profits for ecommerce merchants selling expensive goods & services.   Not to mention that just a few high-ticket chargebacks can cause high ticket merchants to lose card processing & echeck accounts. 

Secure online payments with bank transfers are confirmed via a real time bank authorization.  The bank confirms the identity of the buyer and that funds to cover the purchase are available prior to authorizing the sale.

Fraud is eliminated.  Chargebacks do not happen.  Payments for goods or services purchased are guaranteed. 

In addition, secure online payments with bank transfers also helps reduce shopping cart abandonment.  Carts are most commonly abandoned when shoppers have to enter personal card or bank account information.  With secure online payments with bank transfers, buyers purchase from you without disclosing any financial details.  Increasing trust results in more sales & profits for you. 


Applying for Your No Chargeback eCommerce Merchant Account

Companies that sell online discover applying for secure online payments with bank transfers is much simpler than applying for a credit card merchant account. The application process is automated with electronic delivery of documents and rapid account approvals.

When you decide to move forward, the application is securely emailed to you. You simply complete the form and email back along with some information about the ecommerce merchant. Far fewer documents than required to open a no chargeback merchant account compared to the paperwork required by card or echeck processors. 

Supporting documents for secure online payments with bank transfers are:  Color copy of a passport or driver’s license; voided check from the account where processing funds will be settled; and Articles of Incorporation or LLC. 

Accounts are approved rapidly.  Integration is easy. 

Ecommerce merchants can take advantage of plug-ins to speed time to market without the need for technical expertise.  Or online sellers can use an API for direct integration to websites if processing over $100K per month.  


Why Ecommerce Merchants Choose PaynetSecure for Secure Online Payment Processing?

For over than 20 years, companies that sell online have successfully used our services to establish & diversify ecommerce merchant accounts.  Services include credit & debit card processing, ACH, electronic checks, secure ecommerce bank transfers and other payment methods. 

Now, with no chargeback payments, you expand your customer base, protect your business, and increase your profits.  Here are the primary benefits to you.

  • Funds are Guaranteed.  Once payments are authorized by buyers, payments are guaranteed to you. Transactions cannot be revoked or charged back.
  • Fast Settlements.  Quick settlements enhance cash flow.  Processing funds are deposited to your bank account in 1-2 business days. 
  • Real Time Authorization.  Ecommerce merchants receive immediate notification when the payment is complete. Allowing you to fulfill orders rapidly, satisfying consumer demand for fast delivery of ecommerce purchases.
  • Builds Customer Trust.  Customers pay you without revealing any sensitive financial information.  Secure payments with online bank transfers is the safest way for shoppers to buy from companies that sell online.
  • Seamless Checkout.  No registration is required. Using secure online payments bank transfers for ecommerce purchases is as easy as using any other online payment method. 
  • Say Good-Bye to Chargebacks, Declines and NSF.  Lower processing risk.  Protect echeck and credit card processing merchant accounts by decreasing over all chargeback ratios.
  • Bank Security Protects Against Fraud.  Protect your customers and your business. Customers pay through a bank account with no risk of chargebacks. Eliminates fraud.  And processing funds are guaranteed to you.   
  • New sales.  Get additional orders from consumers who do not want to reveal sensitive financial information when buying online. 
  • High Risk Merchants Welcome.  Superb payment method for companies classified as high risk.  No reserves.  No chargebacks.  No worries. 
  • Plug-ins:  WordPress / WooCommerce / Shopify.  Fast implementation. Speeds time to market.
  • API.  For high volume merchants that want direct integration to websites.

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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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