Ecommerce Merchant Accounts

Ecommerce Payments for High Risk Merchants

Are you looking for for secure payment processing for your online business?  You came to the right place.  NationalACH provides eCommerce credit card processing to high volume and high risk merchants.  Along with ACH, echecks and alternative payment methods to help you maximize sales while minimizing processing risk.

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


What is an Ecommerce Merchant Account?

It’s no secret that the accelerated growth of eCommerce is transforming the way in which goods & services are sold.  Almost 2 billion people, or 25% of the worlds’ population, already shop online.  Ecommerce payments now account for 14% of total retail sales. 

In today’s world, consumers prefer the ease and convenience of buying online. This world-wide cultural shift presents exceptional opportunities for businesses in all industries.  Ecommerce merchants will experience unprecedented growth as online sales gains even more market share in the coming years.

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

In the US, ACH or echecks are the most popular alternative payment method.  Offering an alternative to card payments on your 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%, compared to accepting only card payments.


What is a High Risk Merchant?

High risk is a term used by banks to describe businesses which have statistically greater likelihood of chargebacks.  Chargebacks occur when consumers contact their card issuing bank to dispute a transaction.  Chargebacks can occur for many reasons, including products not performing as promised; transactions were not authorized; customers did not receive the products; or customers complaining that the ecommerce merchant did not respond to their issues.

Friendly fraud is rampant for eCommerce merchants.  Experienced internet shoppers dispute a charge, in hopes of getting the product or service for free.  Savvy consumers know that card issuing banks often side with cardholders rather than eCommerce merchants.  Even when your business has done everything correctly, if the customer pushes the card issuing bank hard enough, the bank will side with the cardholder who is their customer, rather than the eCommerce merchant.

Not all high risk companies have high chargebacks.  Despite low chargeback ratios, 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 targeted markets, billing models, and products or services being sold. 

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


What Ecommerce Merchant Accounts Include

There are 2 parts to an ecommerce merchant account.  First, an ecommerce merchant account is established with the acquiring bank. This gives you the right to accept to debit & credit cards and other payment methods.  The second part is the secure online payment gateway, through which ecommerce payments are submitted to the banking networks for approval.

All ecommerce merchant accounts include the following:

  • Process All Major Card Brands. Easily accept ecommerce payments from customers using credit cards or debit cards. 
  • Level 1 PCI-DSS Ecommerce Payment Gateway. Advanced technology ensures the highest security standards for ecommerce payments.  Transactions are SSL encrypted with military-grade security. Data is transmitted confidentiality and sensitive card information is protected from data breaches.
  • Virtual Terminals. Great for mail, fax & mail orders (MOTO).  Unlimited virtual terminals are a standard feature on all accounts.  
  • Fraud Fighting Weapons. Superior fraud prevention tools to help you quickly accept good orders and decline fraudulent ones.  Customize fraud protection features to protect against cybercrime and keep your business safe.
  • Chargeback Protection & Mitigation Services. Chargeback prevention services stop chargebacks before they occur.  Chargeback mitigation services help you fight chargebacks you can win.
  • Superior Customer Service. Experienced trained customer service representatives provide you the help you need when you need it. 
  • Robust Cloud Reporting. Simplifies management of ecommerce payments.  Multiple reporting formats.  Easily customize reports to satisfy your requirements. 
  • CRM, Shopping Carts, Accounting Systems. The ecommerce payment gateway has been integrated with most CRM, shopping carts & accounting systems.  Quickly access ecommerce payment data, streamline business operations & enhance productivity.


How to Apply for Your Ecommerce Merchant Account

Applying for an ecommerce merchant account is simple.  You submit an application along with documents specific to your company. Application is always free with no obligation.  Ecommerce merchants are approved in 1-3 business 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.

Before submitting the application, be sure the signer on the ecommerce merchant account has good personal credit.  If credit is not good, consider adding a co-signer with good credit, which will help get the account approved quickly. 


Ecommerce Merchant Account Approval Process

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

Ecommerce payment processing history reveals current processing volumes, returns, and chargeback ratios. If chargebacks are low, that’s great.  If chargebacks are on the rise, provide a short explanation as to the reason and what is being done to bring them under control. Bank statements are examined to confirm there is enough money in the business bank account to support the requested processing volumes. 

Before submitting your application, it’s wise to click through each page of the site.  Make sure all pages load quickly and display correctly.  Confirm all contact forms are working properly.  Clearly display privacy, returns, shipping, customer service contacts and other relevant information. 

The underwriting teams often search the internet for reviews on companies and owners.  Conduct a search yourself so you’ll know what’s being posted.  Naturally, not all ecommerce merchants have perfect reviews.  Still, do your best to respond to comments in a professional & polite manner, demonstrating that you care about customer service and your online reputation.

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


Ecommerce Payment Solutions for High Risk Merchants

High risk and high volume merchants have different requirements for processing than low volume, standard risk ecommerce merchants.  High volume ecommerce requires substantial processing capacity to sustain growth.  High risk merchants need access to acquiring banks which are friendly to their industries.

PaynetSecure gives you:

  • Multiple Ecommerce Merchant Accounts. High volume & high risk merchants diversify ecommerce payment accounts to mitigate risk by avoiding dependence on a single acquiring bank.
  • US Ecommerce Credit Card Processing. Choice of acquiring banks gives high volume & high risk ecommerce merchants the processing capacity needed to manage & grow their businesses.  
  • International Ecommerce Merchant Accounts. Excellent choice for high volume ecommerce merchants that are riding the growth wave of global ecommerce. And great option for high risk merchants wanting to diversify processing offshore.  
  • Ecommerce Payment Gateway. Secure online gateway exceeds the most stringent standards for secure ecommerce payments. Offload responsibility for compliant ecommerce payments while safeguarding your business & your customers.
  • Multiple Ecommerce Merchant Accounts. Automatically or manually load balance among multiple merchant accounts based on products, processing volumes, and other criteria. View and manage ecommerce merchant accounts globally or individually.  Account management and reconciliation is a breeze.
  • Multicurrency Payments. For global ecommerce merchants, displaying & accepting payments in familiar local currencies is the 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 and watch your sales grow. 

Let Us Work for You

Your Success is Our Mission

At National ACH, we’ve done our homework on payments. Use our expertise to get the payment processing capacity you need to manage & grow your business. Our “niche” market is high risk & high volume payment processing. Yet, standard risk merchants also benefit from our services. We are always happy to talk with you, with no obligation. Discover top notch service along with the iron-clad secure processing solutions you are looking for. Payments power your business success.


National ACH is a one-stop-shop for all your merchant service needs.

Debit Credit Card Processing

High Volume US & International merchant accounts

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ACH Processing

Auto debits your customers’ bank accounts.  Electronically settles funds  to you

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Same Day ACH Credits

Money sent today is received today

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Echecks Processing

More flexible than ACH for high risk merchants

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Contact us at 855-562-ACH2