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eCommerce Merchant Account

E-commerce has changed how people buy goods in a big way. E-commerce, online-only, companies now sell everything from furniture to concert tickets.

People don’t have to go from store to store to find the items they want. Now, all they need to do is visit a website that has those items.

Customers enter their credit card details into secure forms, and the rest takes place online. The business gets the order, packs, and ships the goods to the customers.

However, e-commerce accounts sometimes gets put into a high-risk area for credit card sales, but one of the issues comes down to chargebacks. Find out why low-risk merchant account service providers may not like handling accounts for e-commerce companies.

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What is an Ecommerce Merchant Services Account and Why Do You Need One?

When running an online business, the best way of making the business successful and having the highest profit is by having conversion. Customers depends highly on this. HighRiskPay offers you eCommerce merchant accounts as a way of making your online transactions successful. Ecommerce payments highly depend on payment gateways and payment processors. This is why we offer eCommerce merchant accounts for your high-risk business which you run through technology. This helps you to avoid any financial crises that occur due to the lack of physical contact with your customers. 

Your eCommerce merchant account is a good option in which you can receive online payments from selling your goods or services to people in remote locations. They help avoid any inconveniences that are caused due to delayed processing of the alternative payment modes such as the use of PayPal. The following are some of the reasons why you should contact HighRiskPay to provide you with an eCommerce merchant account:

Online business presence – the competition in the market requires businesses to have some sort of online presence to reach more customers. If you have grown your business, then you will need to have an eCommerce merchant account to take care of your transactions.

Multiple options of payment. Your business does not have to rely on a single mode of payment or the traditional payment methods. Acquiring a merchant account for eCommerce is more convenient. The accounts offers to your customers with are manageable options and that is at a reduced fees.

Increase in the need for security and accuracy – online transactions are associated with security issues. This can compromise your business and this is why you need to have an eCommerce merchant account. They offer secured transactions and keeps away fraudsters. This will make your customers more confident in your business and trust your transaction options.


It’s important to be able to ensure the security of your customers’ financial and personal information. All transactions are SSL-encrypted to ensure complete confidentiality and protect their information from all types of threats. In order for your customers to keep coming back, they need to know that the information they share with you – including their name, address, and bank details – is safe from people who may wish to take advantage of that information

Secure transactions mean putting your customers first so that they can feel safe making a purchase from your website. Once you build that trust, there’s no stopping them from making repeat purchases that can keep your business ahead of the competition.

Quality Customer Support

You should never again be faced with losing a conversion opportunity because of the lack of availability of services like credit card processing.

Consider if you are the customer, and you go to a website, add items to your cart, and go to check out but can’t. Instead, you’re told to check out in a way unfamiliar to you, like calling the merchant to place your order. How many customers are willing to pick up the phone and make that call? Almost none.

Keeping customers should always be your main concern, which is why providing them with the ability and convenience to pay with their credit card is so crucial for online businesses.

We have put together a team of experienced and skilled support professionals to make sure that you can always take credit cards. If a customer visits your online store to find out that you don’t accept credit cards, the likelihood of them coming back is slim to none. Customers always want to use the most convenient option, and if you can’t accept their payments, it means they will be going to your competition from now on.

Our team can help you ensure that your account is always up and running, and customers can check out with zero hassle. If you face any problems when processing payments, all you need to do is contact our customer support, and we’ll help you finish the conversion and make sure you never run the risk of losing another sale.

eCommerce Payment Processing Solutions

Retail Payment

If you’re a retail business and need an ecommerce merchant account, you can choose from a traditional credit card terminal, wireless, or point of sale (POS) system. Whichever you choose, our merchant accounts will allow you to accept credit cards faster and at the most affordable industry rates. Read more: How to Accept Credit Card Payments In-store

Virtual and Online

If you need to accept payments over the phone, via mail, or on your computer, you can do so with a virtual terminal merchant account or an online gateway. There’s no equipment needed. All you have to do is log into your terminal and type in the customer’s credit card to save yourself time and money.

Mobile and Over The Phone

We know that running a business means you’re constantly busy and need payment solutions that allow you to process payments while you’re on the go. We offer mobile payment options for those who are always on the move. Just choose between an iPad or mobile phone credit card swiper, and you can begin taking credit card payments wherever you are. Read more: How to Accept Over-the-Phone Credit Card Payments

Websites and eCommerce Payment Processing

If you sell products solely online, you can use our payment gateways to provide secure payment solutions for all of your customers, no matter which type of credit or debit card they have. Our easy-to-use gateways are compatible with most major shopping carts so that you can streamline your business and provide convenient payment options for your valued customers. Read more: How to Accept Credit Card Payments Via Your Own eCommerce Website

Frequently Asked Questions

What is an e-Commerce merchant account?

An e Commerce merchant account is an account for businesses that do not have a physical place to visit. Some service providers may consider these businesses high risk and not be willing to work with them but we welcome eCommerce merchants. 

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