eCommerce Payment Gateway to Transition into Digital Payments

The digital platforms gave firm ground to the commerce infrastructure. The expectations from eCommerce are on the rise every day. Due to the firm advancements in the sector, eCommerce’s revenue projections hold quite a major figures.

“By 2025, it’s estimated that world retail eCommerce sales will exceed $7.3 trillion, and the overall eCommerce share of retail sales will hit 24.5 percent”. Oberlo’s reports suggest that the projection might be a deciding factor.

However, there creeps in the problem of processing the payments. A Business requires major elements of payment processing. One is an eCommerce Payment Gateway, and the other is an eCommerce Merchant Account.

How to Accept Digital Payments?

Before getting a payment processing solution for your business, you need a way to accept online payments. The digital payments require a dedicated account for deposition. The eCommerce Merchant Account is the one to accept online payments for your business.

What does the merchant account do?

The eCommerce Merchant Account is a High-Risk Merchant Account that offers additional support to your business. eCommerce is a high-risk business and infamous for frauds, chargebacks, and market volatility. Therefore, there is a major rise in dedicated high-risk service providers.

The merchant account is a bank account that accepts online payments and keeps the payment secured. Furthermore, it keeps the payment safe until the settlement time is complete and transfers it to your desired bank account. It makes refunds easy and provides some exclusive support to eCommerce.

The acquiring bank is the one to accept multiple modes of payment and currencies for your business. An eCommerce company is as strong as its global reach capabilities. Thus, eMerchantPro offers exclusive support for your business. There is massive interconnectivity with the international banks that makes a mark. It allows quick approval for your business.

What makes the eCommerce Merchant Account different?

It is a fact that digital payments are on the rise. Thus, Merchant Account provides online payment acceptance for your business. Furthermore, it will have a better tolerance for Fraud and Chargebacks.

eMerchantPro as a Payment Service Provider will offer the best acquirer for your business. The account will streamline your business to accept online payments and gets you an easy settlement for payments.

Moreover, your business gets to process online payments now that you have a merchant account for payment deposition.

How to Process the Online Payments on Your Website?

Accepting online payments is one thing, but processing online payments requires a Payment Gateway. The Payment Gateway will process the digital payments on your website. Besides, it connects with the consumers to pay on your website. Thus, the payment gateway offers multiple consumer-centric functionalities. These advanced payment technologies provide enhanced support to merchants.

What are the features of the Online Payment Gateway?

Some of the features that keep payment processing ease in mind are:

1.      Multi-Factor Authentication

eMerchantPro’s Payment Gateway has multi-factor authentication capabilities. The 3D Security feature of the payment gateway adds an extra dynamic security layer. With more and more safety advancements, the authentication process needs to be tighter.

The 3D Security generates OTP and allows the authentication process to be more precise and safe.

2.      PCI DSS Compliance

A payment processing channel that processes payments or stores consumer data should be PCI Compliance. Therefore, eMerchantPro offers payment gateways that are PCI DSS Compliant up Level 1. It ensures the transaction security of the business and saves you from penalty hassle.

Moreover, the eCommerce Merchant Account is PCI Compliant to ensure complete payment and data security.

3.      Card On File

A seamless payment processing requires a payment gateway with better processing capabilities. The Card on File feature allows the consumer to save transaction details for future payments. In addition, they won’t have to enter the payment details again for the payments.

It adds to the payment experience of the consumers. Moreover, it makes your eCommerce business profound.

4.      Easy Checkout

The next is the Easy Checkout feature of the payment gateway. Redirections during payment processing make it tough. In addition, Consumers tend to abandon those payments that have too many redirects. Therefore, eMerchanPro offers a one-window payment gateway.

The easy checkout keeps the payment processing experience hassle-free and quick.

5.      Powerful Dashboard

Powerful Dashboard gives major control to the merchant. Furthermore, it opens better visibility and surveillance of the payments. A Merchant can reach the Payment Service Provider, Manage Chargebacks, issue dedicated control to the staff, etc. The dashboard is the one that takes control over the payment gateway.

What’s more exciting is a Merchant can integrate more payment gateways. Moreover, the merchant can get the API directly on the Dashboard.

6.      Easy Integration

The Payment Gateway has multiple integration capabilities. The more diverse the payment gateway is, the more personalized it becomes. Thus, the eCommerce Payment Gateway is completely API-driven for the sake of easy integration.

However, the payment gateway supports HPP and a range of Plugins for the integration process.

The list of features goes long for the payment processing channel. Therefore, let’s put a cap to it right here.

The Payment Gateway and the Merchant Account onboard the digital payments for your firm. However, eCommerce is a High-Risk Business and requires a dedicated service provider, right? Yes, that is pretty much the truth. Thus, eMerchantPro is a dedicated High-Risk Payment Service Provider.

How can a Business Counter Fraud and Chargeback Ratio?

Fraud and Chargebacks are indeed a barrier to online payment processing. Thus, catching up to the leaderboard becomes tough. eMerchantPro takes special care for fraud and chargebacks. The Fraud Prevention Tools and Chargeback Protection and Management do wonder.

A Protection from Fraud

Multiple Fraud Prevention Systems work on the payment gateway every time payment takes place. These tools and systems ensure business security from fraudsters and scammers. eMerchantPro uses:

1.      Address Verification System

AVS is a great tool that detects suspicious activities of payment processing. It ensures that the billing and cardholder’s credit or debit card addresses match. There are multiple internal thresholds and authentication that streamlines the process.

2.      Verified by Visa/ MasterCard SecureCode

Another authentication tool by the card networks to ensure password protection plays its role. Both of the authentication systems work extravagantly to provide dynamic control over fraudsters.

3.      Geolocation Tracking

Multiple Financial Bodies has listed some countries, states, and cities as High-Risk areas. Tracking if the payment processing is from these locations is crucial. Thus, eMerchantPro uses the criteria of Geolocation tracking to check if the payment should be processed or not.

4.      Fraud Scoring

Furthermore, eMerchantPro has Fraud Scoring of Consumers to keep track of the fraud records. It keeps the payments secure and easy to go through the channel. Fraud Scoring calculates the potential and checks for suspicious activities of the consumers in payments.

Last but not least, Multi-Factor Authentication is another fraud prevention tool that makes payments more secure. The dynamic layer of security keeps the authentication process strong for the merchants.

Stopping Chargebacks!

On the other hand, there arises the issue of chargebacks in the eCommerce business. Therefore, eMerchantPro provides enhanced care to the merchants on the issue of chargebacks.

eMerchantPro offers Complete Chargeback Protection to the merchants. It implies that eMerchantPro covers the complete cost of the chargeback by taking the Merchant into account. However, there is a certain threshold for the same. Better processing with complete chargeback protection makes your business work faster.

What makes Merchant Account and Payment Gateway crucial?

Establishing a brand around the global audience gains a strong need for revenue generation. Therefore, a merchant account and payment gateway serve the purpose of account and payments. If you reach a global audience without any account or channel, then chances are your business remains constant.

Furthermore, a physical shop has a definitive time frame for business. However, the merchant account and the payment gateway open your business 24 x 7. Thus, you can earn money even when you are sleeping. That is the power of the digital marketplace. It makes payments quick, hassle-free, and online.

In addition, you can make a better brand image with the White-Label Solutions of the Payment Processing Channel.

What are White-Label Payment Gateway Solutions?

White-Label Payment Gateway is an additional benefit that payment service provider offers. It allows a merchant to customize the payment gateway putting the brand out to the world. A Merchant can change the brand name, image, font, font size, color, or even the UI according to the requirements.

It gives a unique touch to the payment gateway and offers a better payment experience to the consumer. The White Labelling of the payment gateway helps you personalize the payment gateway according to your requirements. eMerchantPro has some of the best solutions in the White-Label Payment Gateway.

Why Choose a High-Risk Payment Service Provider like eMerchantPro?

eMerchantPro has been in the high-risk payment solutions for quite some time now. Therefore, your business gets some dedicated payment processing solutions too. eCommerce is a special consideration to high-risk businesses. Furthermore, the digital payment picture is quite certain today.

Hence, offering your consumers a way to pay through online payment methods clears your business image. In addition, eMerchantPro has a dedicated solution for eCommerce businesses. It also gives:

1.     Complete Merchant Assistance

Setting up the merchant account and the integration of the payment requires support from the service provider. Hence, eMerchantPro offers complete merchant assistance to your business. You get a dedicated executive for yourself. Furthermore, you can share all the details for the merchant account and payment gateway.

2.     24 x 7 Technical Support

Last but not least is the 24 x 7 Technical Support from the service provider. We believe in constant support for you. Thus, the technical support lines are open 24 x 7. You can reach us with the query or the problem anytime, and we will resolve it. We understand that payment processing is not your strong forte. Thus, we provide all the payment processing solutions you need for your business.

The Final Thought

That brings us to a close. The eCommerce Payment Gateway and Merchant Account are the two most crucial parts of your business. If you want to accept online payments, then you require a payment processing solution. Getting into the digital marketplace requires an efficient solution to accept payments.

eMerchantPro is working to provide you with the exact services you require. Your business gets tonnes of features that add seamlessness and get additional support. You will be all ready to get into the online marketplace and reach a global platform.

Meeting the requirements of the Payment Experience comes when you get profound solutions. eMerchantPro offers a solution that works in complement to your services.

Upgrade your standard of global earning with finest credit card processing.

Who needs a Credit Card Processing in USA?

As far as online merchants offering services or goods are concerned every merchant should have a credit card facility to accept payments. This can be very fruitful as major of the credit card holder prefers paying online with it.

Credit card integration is a must for getting customers from all around the world. Having a proficient processing service can bring huge profits.

Credit Card Processing in USA fees

Pricing charges for fees attached to credit card processing may differ from company to company. It has been observed that companies holding a good position in the market charge more than the newcomers.

The entire fee structure is decided by the type of business and the volume amount of monthly or annual transactions.

A small business that is capable of processing amounts less than or equal to $5000 per month is charged a flat rate for each transaction and doesn’t charge monthly or annual fees.

However, for businesses with monthly transactions above $5000 interchange charges along with monthly or annual fees are charged.

There are several other charges which merchants should know like Rolling Reserves, Merchant Discount Rates (MDR), Installation or set-up charges, Charges for Chargeback or refunds, etc.

Many of them are one-time fees that may be charged at the time of association looking into risks and services with your high-risk business.

For more information regarding fees, merchants can contact us as we provide payment services comprising the best solution to credit card processing.

How do I apply for a Credit Card Processing in USA?

Credit card processing in USA is provided by reliable payment service providers as we are. Merchants can easily approach us with their Application for payment services along with various important documents like

  1. Information about your website
  2. SSL certificate for your site
  3. Bank details and statement of last 3 months
  4. Document of Incorporation
  5. Company Tax document
  6. Owner personal ID, etc

Payment service providers while providing payment services to High-Risk Merchants are very careful. This is because of the more probable chances of financial loss associated with their business.

Documents along with applications should only focus on your strength to run a business. The best way to get your application prepared is to associate with us so that we can help you best prepare an application that cannot be denied by Acquirers or banks.

For further information regarding how to get payment services contact us.

Payment services are very essential for every merchant to digitally accept payments. Having good services can make great benefits. A reliable payment service provider is a must for excellent credit card processing. It favors merchant’s growth. Due to its wide usage customers find paying with credits cards as the familiar and dependable method. Partner with us to get the best credit card processing.

The need of Credit Card Processing in the US

A domestic marketing account is the one given by a bank in the origin country during transaction settlements. Domestic processing receives fast funding (anywhere from 1 to 3 business days). The rates of the Foreign Accounts are comparatively lower. A foreign bank is responsible for settling the transactions based on an international merchant account. The foreign accounts have advantages that help to establish payment acceptance in many currencies. This also incredibly encourages you to grow your company.

The issuance of credit cards is intentional for companies

Credit card processing services progressively proceed as a transaction starts with one end of the gateway and then the other.

Market Consumers

Next, a customer starts when a payer swipes his card during the transaction and provides the dealer subtleties.

1. Business Owner

In the next step, the dealer collects all of the customer’s subtleties and is dealt with in two separate ways. This could occur if the merchant collects the payment manually in a customer façade, which is known as card transactions. The point at which each person pays for the products online, and is known as a card not present, is another technique.

2. Processor

The processor of the credit card collects the reality and can monitor information and authorize messages between a few meetings. The key role is to submit details about the payment to the card framework.

3. Networks of cards

Your customer’s card acts as one of the key credit card systems the most usual card and a credit card are sufficient to carry out a transaction. After the framework recognizes your complete processor information, they will send it to the bank of your customer.

4. Bank of Customer

The payer collects the payment attraction and verifies that the payer has the particular credit or assets for completing his/her purchase. The bank experiences the data and verifies that the customer has or is a false asset.

5. Merchant

In conclusion, the notification that a cardholder’s bank has been accepted or rejected returns by comparable outlets. If the transaction is cleared, the trader must then give the customer what the person requested.

You will make your company digitally upgraded! Ensure to make your payment flow with unmatched consistency by fitting the credit card processing services from the credit card specialist organization. A credit card leads you to an advanced company with a quick payment pass.

Choose a reliable credit card processor who fulfils the requirements of your business

The right payment processor means to meet your business requirements consistently. The credit card company needs your business growth and success while furnishing you with the best possible processing. You can maintain your company tremendously well if you have a functioning and efficient payment gateway.

This kind of processing gives a wide variety of management structures that can expand the company and provide current administration. These types of administrations can easily sustain your company.

eMerchant Pro is a renowned firm assisting you with the best services. And let you relax in regards to credit card processing services. We look after every aspect of your business requirement.

Apply today for overseas processing of credit cards

The tradespeople hit a time when they know that expanding their company is the right time. You should think about expanding your business around the world. The right solution provider enables online companies with offshore credit card processing to open their doors to the world.

Offer this industry the knowledge and learning that is easy. The way to get your global business to run a merchant account is therefore fast. To develop your company, you need to be enough attentive.

You need to click and complete the application form on Apply Now. Our expert will be in contact with you within 24–48 hours to provide the best help in the solution of the gateway.

7 compelling reasons to get a High-Risk Payment Gateway

7 Compelling Reasons

Listed below are the crucial reasons to take a payment processing channel into account:

  1. Real-Time Transactions: A payment gateway such as eMerchantPro’s is embedded with the feature of Real-Time Transactions. It clears the payments in real-time as the payment is processed. Conventional transactions are a time taking process with many hassles. However, with a payment gateway, the process becomes hassle-free and least time-consuming. Though the procedure that a payment gateway follows is internally huge , the payments are processed in a second or two. That makes it tremendously time-efficient.
  2. Immense Security: Payment processing channels maintain high levels of security. Maybe some of the payment service providers don’t extend their security to the maximum but with eMerchantPro, you get a huge advantage.
  • 3DS and Non-3DS payment gateway for security to the payment gateway based on the virtual OTP.
  • eMerchantPro is PCI Compliant i.e. PCI DSS stamp to ensure that encryption.
  • SSL Certification to enable security encryption.
  • P2PE: person-to-person encryption to protect the sensitive data of the consumers throughout the process

3. Increase Consumer Experience: Various features of a payment gateway boosts the UX of the business. For example:

  • Multi-currency support: allows the consumers to pay in their own currencies. A convenience feature for the consumers to enjoy.
  • Multiple language support: for those consumers who feel more comfortable in their language this feature comes in handy for the business.
  • Easy Checkout: redirections can be a cause for the loss of maximum consumers. Therefore, an easy checkout option can complete transactions from a single window.

4. Fraud Prevention Tools: high-risk businesses are prone to frauds and scams that happen on a huge scale.

“The proportion of executives reporting that their companies fell victim to at least one instance of fraud over the past 12 months was 91 percent,”

says Firstpost.

Thus, a business undertaking a payment processing channel should make sure that the payment gateway has fraud prevention tools.

eMerchantPro has various deceit protection tools along with Chargeback management as well. A reason for your high-risk business to get a payment gateway is that it enhances the chargeback ratio of your business and at the same time prevents fraud for your company.

5. Allow 24/7/365 days payment: As your presence in the cycle of transactions is minimal, and the automation is doing all the work, consumers can pay on your website at any time. Using automation in the online world is important in the present times. Late payments will bring high-risk businesses to a halt. Not having {the ability} to pay bills, pay the team or expand the business is extraordinarily demoralizing for any business owner.

A payment gateway offers your consumer the ability to pay instantly, while on the move, and securely. If you create it simple for your shoppers to pay, then your invoices are paid twice as fast.

6. Global Card Saving: To enhance the transaction experience it is important that the card details or the payment details are saved for further use. Statistics suggest most consumers tend to drop a product or service if they have to enter their payment details over and over again.

Therefore with a payment gateway security can be maintained and at the same time, the convenience can be provided to the consumers to pay multiple times without going through the hassle of inputting the payment details.

7. Instant Payments through online channels: Instant payment is a component of the “do it now” online culture. Once your consumer sends a web invoice, the pathway to payment is fast and easy for the recipient.

eMerchantPro has various features for the payment gateway. Our features will generate a better conversion ratio for your business and at the same time will keep the security high for your company.

To get more details on High Risk Payment Gateway visit eMerchantPro now.

Get Secure Payment Solutions with Credit Card Processing

What Makes Credit Card Processing Crucial?

“1.06 billion credit cards in use in the United States of America” (Shift Credit Card Processing)

With multitudes of credit cards working in the country USA, a merchant needs to associate the business with the requirements too. Therefore, card payments, especially credit cards, will hold a solid ground for the business. There are different generations of consumers paying for goods, services, or merchandise. Hence, you need to accept payments from every audience.

Credit card binds every type of consumer together with ease and convenience of payments. Mobility adds to the processing of credit cards. Therefore, no more traditional ways to process the payments over the POS terminals. The new mode of online payment through credit cards is a card-not-present payment method. However, the millennials are one of the primary consumer bases of the merchant.

How does the Millenial change the aspect of Credit Card Processing?

The working environment around the globe is slowly pushing towards the particular generation. Therefore, they will form the driving force of any business. On the other hand, multiple problems surround them with the usage of credit cards. Some of them look completely like a debt. How does it change a merchant’s business?

Though it sounds out of context, a person with multiple debts over the head won’t try to pay through credit cards. However, surveys suggest that about 20 to 25% of millennial pays through credit cards even though they are in debt.

The reason for it is the convenience a credit card offers to the consumer crosses the boundaries of debt. Furthermore, the passive rewards for the purchase help the consumer exponentially. eMerchantPro’s Credit Card Processing capabilities gives a new light to a business trying to push their business forward. It allows a merchant to help 80% of the US-based audience to use their credit cards. A Business becomes quite profound when it reaches a bigger consumer base.

To explore more about Credit Card Processing  visit eMerchantPro now

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