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How Does a High Volume Merchant Account Help Expand Your Business

Posted on 10 December, 2020

Cheapest Merchant AccountHave you wondered about the next steps to take for your business? When your company is thriving with a high number of sales and credit card transactions per month, it’s a sign you might need to look for the Cheapest Merchant Account providers that can handle your high sales volume.

If you’re looking for better ways to expand business with a high volume merchant account, getting help from one of the largest credit card processors companies is the answer.

Different Kinds of High-Volume Merchants

Some companies may need to process more credit card charges than others. Every merchant account is subject to processing limits in order to prevent fraud and other complications, but those limits can quickly become a nuisance if you’re a high volume merchant.

To quality for a high volume merchant account, you need to process at least $100,000 in sales each month.

Companies that sell individual files like ebooks, music, and so on may need some of the largest merchant processors to allow for more transactions each month because their items are sold in large quantities.

Businesses with membership fees that require monthly credit card payments are also likely to be a high volume merchant account

Software as a service company tends to fall into this category. Other subscription services with recurring fees are often considered high volume merchant account companies. These companies are likely to have lots of charges on one day a month.

How to Get Increased Processing Volumes for High Volume Merchant Accounts

An account’s processing limits are typically the number of transactions per month and the value of each transaction.

If you often end up exceeding your limits, your credit card processor may put a hold on those funds until they can clear them as being legitimate. The best way to avoid inconvenient holds is to apply for a high volume account or high-risk merchant account.

If you already have a high volume merchant account, you might be wondering how you can increase your limits and expand your business.

If you have a high volume account, you can ask your merchant service provider for higher processing limits. Before they accept your request, they’ll look at some information about your company. This includes your business credit score, your business’s bank statements, your processing history, and more.

They’ll also want to know your specific reason for requesting a higher processing limit.

Calculating the Chargeback Ratio for a High-Volume Merchant

You may be wondering the best way to calculate your chargeback ratio since it’s an important part of showing your business’s reliability.

High volume merchants sometimes have to deal with more chargebacks than other companies. Credit card processing companies can be reluctant to take on high volume merchants because of the risk associated.

A merchant’s chargeback ratio is the total number of chargebacks compared to the total number of transactions. The ratio will tell you what percentage of your transactions result in chargebacks.

Even if you successfully dispute a chargeback, it will count toward your chargeback ratio. Keeping up a low chargeback ratio will look good on your application for a high volume account. Your chargeback ratio should ideally be less than 1%.

When Are Chargebacks a Problem?

As a business owner, you’re likely familiar with the inconvenience of chargebacks. They’re even more likely to occur with recurring charges, like subscriptions or memberships.

Some business models are more likely to result in chargebacks. Customers sometimes forget about subscriptions or memberships and try to get their money back with this method.

Unfortunately, it reflects poorly on your company and costs money. Sometimes it’s a fraud, but other times it is just unsatisfied customers.

As part of our merchant services, we offer a chargeback prevention program. It can flag accounts suspected of fraud and challenging cases, helping you avoid as many as possible.

Why High-Volume Businesses Are High Risk

High volume businesses aren’t exactly the same as high-risk merchant accounts, but high volume accounts are considered to be high risk.

A high volume of transactions involving credit cards will always carry a lot of risks because that means increased chances of fraud and chargebacks. In this situation, more money means more risk of problems.

These businesses are considered high risk because of the stakes it brings the account provider, even if you don’t necessarily have bad credit or any involvement in high-risk industries.

High-risk merchants often struggle to get approved by traditional merchant account providers.

Our payment solutions are perfect for high volume businesses that see a surge in purchases or offer scheduled payments.

Risks of Using a Standard Payment Processor

A standard merchant account provider won’t be prepared to deal with the high volume of credit card transactions, which carry risks for the merchant.

Payment processing companies apply limits to any merchant account to prevent fraud, but many businesses have legitimate reasons for having many transactions.

Regardless of your reason, if you exceed their limits, they have the legal right to hold your funds until they can clear your selling activities.

These payment gateways probably aren’t the best fit if you have lots of sales each month. There are other credit card processing services specializing in high volume companies that understand how they work.

These alternative credit card processing options can offer better service for your business.

Advantages of a High-Volume Payment Gateway

If you’re a high volume merchant looking to expand business with a high volume merchant account, there are numerous advantages to using a payment gateway that caters to businesses like yours.

They’ll be able to offer the services you need to keep your business in good shape, and without holding your funds.

A high volume payment gateway can handle your large transaction volume without flagging your account. This ensures a steady cash flow for your company.

If you need a higher volume cap, you can request one as soon as three months after you open your merchant account. That way, you can make sure you’ll be able to accept credit card payments.

Your Business Has Unique Needs and We Offer Unique Solutions

We offer a variety of account options for businesses, from high-risk merchant accounts to high volume merchant accounts.

If you haven’t had luck applying for a high volume account through other credit card processing companies, we may be able to help.

We have an online application with fast processing, meaning you can get approved as soon as the next day to help you get started.

To learn more about how to improve your business with a high-risk merchant account, contact us at High Risk Pay today.

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High Risk Merchant Account Services

Accept all major credit cards

Regardless of Credit History!