High Risk Payment Gateways & Merchant Account

Payment Gateway Provider USA

A gateway has enabled millions of merchants to acquire payments for the product or services from the customers. The USA has an awesome economy that is persisting because of so many merchants that are doing business in the United States. The United States has a reputation for accommodating entrepreneurs from different field and provides them with the resources required to flourish the business. While a service provider will help you get a payment gateway that will allow you to receive payments from the customers in the USA. A gateway provides endless opportunity to merchants in sustaining the business and providing you with getting smooth and flexible payment transactions. We at eMerchantPro help with getting efficient Payment Gateway Provider USA that will enable you in getting smooth and flexible payment transaction solutions.

A PSP has various salient features that can be helpful in driving the business. Merchant requires a system that can provide them with the full- fletched support to the merchant in preserving the payment transactions occurring for the business. Many multi-national companies in the USA have faced the data breaches issues once in their entire tenure. The cases of cybercrime, data theft, frauds are some of the most common cases that we hear with the IT industries. Most of the reputed companies have lost valuable assets in such a scenario while other IT experts are spending thousands of dollars in securing their sensitive information. Hence, industries require an efficient system that can easily manage the transaction flow of the business. The businesses are all associated with dealing with a lot of sensitive information of the customer such as card details, personal information and essential security pins. Hence, it is paramount to safeguard the customer’s personal interest. Otherwise, the merchant will lose the reliability and trust of the customer which in turn end up the relationship with the customer. And the merchant will lose the potential customer.

Merchant account service provider in the USA is PCI/DSS compliant it means that will ensure that the data processing is 100% safe and secure. PCI/DSS is a high standard data encryption security that will allow you to transfer your money safely from one financial institution to other financial institution. A merchant who wishes to expand his/her business can easily hire the best service provider in the US. The service provider will provide you with the fraud detection mechanism for detecting the frauds or any mischievous activity happening across your business network. The best chargeback prevention mechanism will save you from getting higher chargebacks for your business. Since higher chargeback means lack of interest of your customer for your product or services. This lack of interest can compel your customer to move towards other competitor and the merchant can lose a potential customer. Hence a service provider is essential so that you don’t miss out the essential customers for your business. We at eMerchantPro provide you with the efficient Payment Gateway Provider USA, that can provide you with easy and efficient payment transactions.

Benefits of payment gateway

A digital platform that is associating with your application software can ultimately improve your overall business performance. There are several benefits that you can have with the payment processor such as multiple currency benefit, easy and simple integration, high-volume of sales, lower chargeback ratio and several other benefits. Here are some of the benefits of implementing a payment gateway.

Simple and convenient Checkout

An easy and simple checkout allows you to have a seamless experience from the customer’s point of view. A gateway allows your website to have pleasant experiences and makes online shopping as easy as possible.

Flexible payment option

More than 40% of the customer cancels the purchase when they met the complex/tedious process. With flexible payment option, customers have the flexibility to make the payment process easy and smooth and hence enhancing the sales value for the business. A PSP easily

Integrates with the application software and makes the entire shopping experience smooth and flexible

Provides quick payment processing
Allows you to have multiple payment options
Chargeback prevention solutions
Better fraud management
Recurring billing feature

Gateway gets you the best security standards like PCI DSS, etc. providing secure payment transactions

How does Payment Gateway work?

A PSP enables a merchant to have the payments for his/her merchant account. A gateway help merchant to transfer payments from one financial institution to other financial institution. Here are some of the basic steps on how a gateway works.

A customer enrols in the process of payment making when he/she clicks the “buy now” button or its equivalent button on the website.
Merchant takes the customer to a gateway where they can easily fill out the relevant card details. A gateway redirects the customer to a page for authorizing the payment transactions.
Once the transaction gets approved by the payment gateway, It sends out the acknowledgement to the customer or the merchant saying you have successful or unsuccessful transaction based on the sufficient balance left in the account of merchant.
A gateway conveys the message to the customer.
If the transaction got successful, the bank will take part in settling down the payment with the payment gateway.

This is how the PSP works. Get the best payment processor for running the successful business.

We at eMerchantPro intend to provide you with the credit card processing solutions that will drive your business transaction to be smooth and flexible. Merchants in the US who are facing trouble in getting an efficient network that comprises of banks, lend institution, financial entity, and other resources to get you the best payment processor. They can simply get in touch with us. Our expert will help you through the entire process. We will walk together with your business front so that we can provide the best of the services that we have with us. We get you the prominent Payment Gateway Provider USA that will help your business to grow successfully.

High-Risk Merchant Account Instant Approval Offers security to all merchants

Enhance your industry with a High-Risk Account

If you are a merchant, you can look for way-outs to protect your deals without any hamper. With the advanced services, you can connect to several clients in one go and thus enhance your deals. With a secure way-out, you can maintain all your transactions. You can look for a High-Risk Merchant Account Instant Approval for your industry if you are looking for solutions. There is an enhancement in deals as you move your industry ahead in transactions.

Aspects of High-Risk Account

If you are a businessman, the prime concern is to develop your transactions. It includes several solutions such asPrompt solutions through credit cards

As a merchant, you can look for speedy solutions through credit card processing. As a merchant, you can look for solutions with the branded cards available for your industry. With cards such as Visa, MasterCard, you can look for an awesome business without a hinder. You can try clients both on a national and international level. You can secure your deals with advanced solutions without any problem. Thus, you can process your pay-outs at any moment and from any place.

Diverse currencies offering secure business

If you are a merchant, you can secure your deals with diverse currency options. With international currencies, you can look for the UK Pound, the USA Dollar and many more for enhancing the payment process. With international currencies, you can look for a secure solution to enhance your payment processes. Thus with different currency options, you can maintain all your transactions without a hassle.

High-risk gateways a secure solution

If you are a dealer in high-risk business you can look for way-out for security. With Non-3Ds and 3Ds, you can look for secure deals without any delay. You can avoid chargebacks and scams with this process. With high-risk solutions, you can safeguard the transactions. You can look for a secure way-out while you maintain all your dealings.

PCI-DSS way-out for all industries

The superlative way to maximize the safety of cardholder statistics is to unceasingly monitor and apply the use of reins stated in the PCI Data Security Standard. Numerous organizations treat the agreement as a one-time, yearly event. But merely focusing on a yearly compliance valuation can make an untrue sense of safety.

International account offer you grand solution

If you are a merchant, you can look for a global account for maintaining your transactions. You can maintain all your transactions with this procedure. You can secure your deals while applying online and the expert squad will contact you with solutions. They will also inquire your documents for verification. Once the verification is completed, the experts will send it to the acquiring bank for ultimate approval. Thus, you can maintain all your transactions with this process. The international account is suitable for merchants to excel in their deals and generally useful for a high-risk business.Thus, you can maintain all your pay-outs instantly if you are looking for secure way-outs with a High-Risk Merchant Account. There is no end to your transactions as you get connected to experts.

The credit card offers solutions to high-risk industries

The credit card offers solutions to high-risk industries

Industries look for faster pay-outs and this is plausible with the aid of a credit card processing solution. eMerchant Po serves you the best services within a short time. You can look for our experts to offer you solutions. As a high-risk businessman, you can look for an Online Credit Card Processing Solution for your transactions. This makes your gateway secure with this process. As a merchant, you can look for safer pay-outs without any hassle.

Benefits of credit cards

• Instant pay-out to merchants

If you are a merchant, you can look for credit cards for instant pay-outs to merchants. It hardly matters what sort of industry you are running. With credit cards, you can look for immediate pay-outs through the client’s end.

• Diverse cards available to industries

If you are a high-risk businessman, you can look for diverse cards such as Visa, MasterCard, UnionPay and several more for outstanding transactions. With the Best Credit Card Processing, you can develop your industry without any hassle.

• Payment processing from anywhere

As a merchant, you can look for processing of payment from anywhere. You can process your pay-outs without any complications. Location hardly matters as credit cards are widely accepted.

• Payment processing at any moment

As a business owner, you can process your pay-out at any time. You can process your fund at any time of the day. Credit Card services are available 24 hours without a break.

Solutions to merchants through credit cards

If you are a merchant, you can look for solutions through Credit Card Processing such as

• Diverse currencies offer you grand business

Credit cards with multiple currencies offer you a solution to enhance your payment processes. You can enhance your payouts with diverse currency options such as the UK Pound, the USA Dollar, Singapore Dollar and various more. You can make your industry boom with international transactions. Clients from abroad visit your webpage and pay online with the aid of multiple currency options.

• Offshore solutions for enhancing your industry

As a merchant, you can look for global solutions if you are seeking credit cards. The offshore solutions are the best for the merchants if you are seeking a Credit Card Merchant Account. The offshore solutions offer you several opportunities to excel in transactions. You can look for diverse countries for the enhancement of your business. You can try developed nations for improvising your deals if you are seeking a solution. There is no limit to your transaction process while you are seeking a business account.

• High-risk gateways offer superb security

If you are a merchant, you can look for Non-3Ds and 3Ds for offering you security related to your transactions. With this process, you can overcome chargebacks and frauds. You can avoid all sorts of challenges in your business. With this procedure, you can secure your deals without a hassle.

Thus you are a merchant dealing in high-risk you can look for a High-Risk Credit Card Processing solution to overcome any sort of obstacles in your business with the aid of a payment processor.

Know everything about High-Risk Payment Gateway

High-Risk Payment Gateway has long been a valuable tool for high-risk businesses looking to turn their services into profits. Without payment gateways transactions to others are not possible.

Payment Gateway is a true innovation that has radically changed the way people do business. Payments to foreign nations are now possible in a matter of minutes. The money is transferred easily with a few clicks over the internet.

Merchants use High-Risk Payment Gateways to receive payments for their sales. And this method of doing business has benefited the customer because they can acquire any service as soon as they pay for it.

What is High-Risk Payment Gateway?

Payment Gateway is the key technology between the banks, merchant and consumers. It is responsible for processing customer payments to retailers. They are the conduits for payment information from web portals to processors, who use it to make payments to merchant accounts.

It is a complex technology that involves various payment methods like credit cards, debit cards, e-wallets, crypto-currency, e-cash, etc using card networks for making payments.

Payment Gateways are linked to Merchant Accounts. A Merchant Account is a place where all payments of merchants business is managed.

High-Risk Payment Gateways are payment gateways designed for high-risk organizations. High-Risk businesses are ones that are more likely to suffer financial losses.

How does High-Risk Payment Gateway function?

Payment gateways begin the process when a customer enters payment information using one of the methods listed above. The information is carried in the form of a digital order and sent to the payment processor.

Now, the Payment Processor, which is also a merchant acquirer, talks with the customer’s banks using payment data collected from servers. The banks of the consumers cross-examine details such as card numbers, name on the card, expiration date, CVV, available balance, and so on.

If the information given is correct and account is having funds the amount is debited. It is then sent to merchant account. After this payment receipts are generated and sent to merchant and customer.

Similarly if the payment fails the information is sent back of payment failure. This happens primarily due to a lack of finances, server difficulties, incorrect card information, and so on.

What is 3D, Non-3D and Alternate Payment Methods in High-Risk Payment Gateway?

Security has long been a top priority for both retailers and banks. There is a lot of unlawful infiltration of payment gateways by hackers and others who utilize them for their own gain.

Countries such as the United States are constantly attempting to improve users’ experiences with money thefts. With the time and requirement new payment technologies keep coming providing more safety and security.

3D Payment Gateway: In this technology, the users have to enter MPIN, OTP, Thumb Impression, Passwords, before each transaction. Payments will not be processed unless this is done. The transactions will be declined if wrong details are entered.

As far as user security is concerned, this is a decent alternative. It exclusively accepts credit and debit card payments.

Non 3D Payment Gateway: From High-Risk Merchants, this is the most favored and given payment option. Before processing payments, no prior authentication is required. Payments can be made simply by entering the customer’s information into the gateway. Payments can be made using credit and debit cards in this technology.

Alternate Payment Methods (APM): This allows you to make payments using methods other than credit and debit cards. APMs cover e-wallets, UPI, crypto-currency, mobile banking, internet banking, e-cash, and other payment methods.

How to get High-Risk Payment Gateway?

High-Risk Payment Gateways are required for merchants who operate high-risk businesses. Merchants frequently approach banks or payment service providers in order to obtain payment services.

However, not all banks offer payment services, and not all banks assess all high-risk companies. This is due to the inherent risk. The losses in these enterprises are substantial and difficult to manage, and some banks may see serving merchants like Adult Entertainment and Adult Toys as a risk to their reputation.

When it comes to providing payment services, acquirers are picky. They may be able to verify the merchant’s ability to manage a high-risk business. Payment Gateways are allotted to merchants who are having previous experience and are financially capable. Merchants with erratic financial stability, on the other hand, are frequently denied since no bank wants to risk losing money with them.

Who can get High-Risk Payment Gateways?

Merchants running a high-risk business shall get High-Risk Payment Gateway in order to accept payments from customers. Businesses that are regarded as of High-Risk are:

1. Forex Trading Business.

2. Tobacco Business.

3. Adult Toys Business

4. Adult Entertainment Business

5. Gambling Business

6. Online Casino Business

7. Online Gaming Business

8. Escort Business

9. E-commerce Business, etc.

Merchants seek Acquirers or third-party Payment Service Providers for High-Risk Payment Gateways in order to provide payment services to their customers.

It doesn’t take long to integrate this into the platform. To use payment services, you only need an API code.

Conclusion:

For High-Risk merchants to receive payments, a High-Risk Payment Gateway is essential. Payment Services are not easy to come by, but once they do, businesses grow. Having the correct connection with a reputable payment service provider may help retailers not only increase sales but also reap significant benefits.

Complete Guide to Credit Card Processing in USA

Almost every online business needs to accept credit and debit cards in order to facilitate services and goods. But choosing a credit card processor can be a tough task. We have spent several hours researching and designing the best credit card processing technology that can benefit the merchants in the most versatile manner.

Credit card processing should always be on your part of the business. The payment processors offering credit card processing should come with transparent pricing and reliable customer support. It should not bond merchants with long-term contracts.

Let us know everything about credit card processing in USA

What is a Credit Card Processing?

Having the facility of accepting payments via credit cards is known as credit card processing.

Whenever the payments are done with credit cards the information is carried to processors. These processors cross-check the payment details with customer banks. If the information furnished is right and there is enough balance to make the payment the amount is debited and sent to the merchant’s account.

If the information of credit card given by the user either by swapping in POS machine or entering it manually is incorrect or there is not enough balance to make the transaction, payment is declined.

The process of getting the information to the processor and then making the amount settlement to the merchant account is termed as processing and the time taken for the entire process to complete is known as processing time. This credit card processing time is usually in seconds. The lesser time it takes, the excellent the processing service is considered.

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

Information about your website
SSL certificate for your site
Bank details and statement of last 3 months
Document of Incorporation
Company Tax document
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.

The pros and cons of a Credit Card Processing in USA

Offering only credit card processing can harm your business but having credit card processing doesn’t have any cons. A slight variation can be seen with the service charges attached to good credit card processing but this will in turn give you the best returns.

We are well aware of the wide availability and acceptability of credit cards so it comes with the following benefits to merchants as well as users

Customers seeking online services in the USA are well aware that whether there may not be any other payment option but credit card acceptability is available with almost every merchant.
Payments with credit card processing are simpler and quicker.
Hassle-free transaction is only possible with credits cards allowing no authentication before each payment
Credit limit features encourage customers to invest more frequently. So supporting credit cards can bring more benefits.
Peoples of the USA find credit cards as an intelligent method of making payments. Refunds are easy with this service
Security is also the most prominent feature that ensures its frequent usage among customers.

Merchants with greater payment options are benefitted more as people not having credit cards can also pay with debit cards and APM’s.

What to consider when looking for a Credit Card Processing in USA

Getting a credit card facility integrated into a merchant’s online platform is the most important thing. But relying on a payment service provider that doesn’t offer fair pricing and equipped services can be harmful to business.

Running a High-Risk business is not an easy task. But with a dependable payment service provider, it is possible. Having the most serviceable credit card processing can help merchants not only with local sales but also with global sales.

While selecting a payment service provider there is a lot of consideration a merchant should make out to ensure the best payment services.

Processor should have enough market experience with High-Risk Merchants.
Capable to solve merchants issues quickly.
Offer service at cheaper prices
Support multiple language and multi-currency processing
Provide the best solution against chargebacks and frauds.
Offers more choices of payments in gateways
Provide services that are quick and easy to integrate, etc.

There are endless expectations from an ideal payment service provider. The only thing that should matter to them is your growth. An acquirer that doesn’t favor your growth and is only for money-making should be avoided.

Conclusion:

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.

Ask Me Anything: 10 Answers to Your Questions about Non-3d Payment Gateway

The non-3D payment gateway has played a great role in the wide-scale progress of merchants. It is widely accepted as the only medium to accept payments-especially among High-Risk Merchants. This is owing to the technology that underpins the Non-3D payment gateway. With the help of some frequently asked questions let’s understand the technology and what made it so popular.

1) What is Non-3D Payment Gateway?

Unlike others, the Non-3D Payment Gateway is the most widely adopted payment solution. It is a payment technology that enables merchants to accept payments from customers for their services or goods.

When the consumer makes a payment they are the one that encloses all details of payments filled by customers in the payments page to the processors where the amount is debited and credited to the merchant account.

In simple words Non-3D Payment Gateway power the payment transfer from one customer to a particular merchant or trader.

2) Who needs Non-3D payment gateway?

Merchants who are running an online business or store require this as the facilitator to earn online. Customers as for the convenience pay online via payment gateways using credit or debit cards in order to obtain services.

This is a highly secured method of payment in which no authentication is required to make the payments to merchants.

3) How Non-3D payment gateway works?

It works the same way other payment gateway works. It skips one step of authentication which is not in the case of other payment gateways. The validation of payments from the customer’s end is not required in this technology.

Whenever the customer fills in the payment details the information is encrypted for safety and passed to processors via gateways. Here processor processes the details of the payments without asking about the validation of the payment. The process is swiftly completed without taking much time. The amount is credited to the merchant’s account and the debit receipt is generated.

This process is much faster and safer than any other method.

4) How is Non-3D payment gateway different from other payment gateway?

Payment Gateways are the swift carriers of transaction information’s whether receiving or sending both are possible with such technology.

In the Non-3D payment gateway, the details related to one’s security are already stored with the banks in the form of security questions or other means.

This is re-examined when updating or change of payment methods. For example, on changing the debit or credit cards the password is set and stored once at the time of activation.

In the Non-3D payment gateway, no OTP or password is required to make the payment. But while paying with other payment gateways OTP might be mandatory.

Similarly, it is very easy and safer to do payments with such payment gateways.

5) What is the difference between 3D payment gateway & Non-3D payment gateway?

They are pretty much similar to each other but the payment environment they offer to users is different.

In 3D Payment Gateway, every time the customer makes the payment authentication of transaction in the form of OTP, MPIN, Thumb Impression, or password is required.

In the case of failing to authenticate payment will not progress.

But this is not so in the case with the Non-3D payment gateway, whenever the payment is executed with let’s say credit cards, The payment is quickly processed as soon as the card is swapped, without asking for authentication or validation by any means.

The payments with it are hassle-free and quicker to process.

6) Does it support credit card processing?

Credit card processing is one of the most expected features of Payment Gateways. The proficiency of gateways is sometimes decided with the processing of credit cards.

This is because credit cards are the most widely used and also accepted mode of payment. Having a good processing capacity of credit cards always encourages a higher number of customers.

There are several other benefits of credit cards that make it mandatory for merchants to have excellent support for credit card processing.

7) Can High-Risk Merchants use Non-3D payment gateway?

There are various merchants like casinos, gambling, gaming, e-commerce, forex trading where there is lesser time to make payment as things change instantly so in that case offering a payment gateway with 3D technology is not a good idea because sometimes authentication can cause a delay in payments. That is why most of the high-risk merchants utilize Non-3D Payment Gateway for their service.

No matter what business merchants do they are cautious about what matters their business growth. Integrating the Non-3D Payment Gateway can enhance customer’s traffic and hence their earnings.

8) How to get Non-3D payment gateway?

Getting a Non-3D Payment Gateway is not a difficult task. Just get to the right acquirer or the payment service provider along with the application. Having good financial stability along with fewer chargebacks will get you payment services quicker.

Merchants with unstable financial stability find it difficult to get payment services as every acquirer is afraid of financial loss with your business.

Several documents will be demanded which will be verified to know your capacity of the business.

It usually takes 7-14 days time to get a Non-3D Payment Gateway if all the documents are as per the consideration of banks or acquirers.

Merchants finding it difficult to get payment services can contact us.

9) What are the benefits of using Non-3D payment gateway?

There are several benefits of using Non-3D payment gateway

Support High Volume payment transactions.
Capable of processing payments in more than 80 currencies.
Safety against chargebacks and frauds with PCI-DSS integration.
No authentication.
Easy and quick to process.
Encourages a lot of payment options.
Greater support for credit card processing.
Customers find it easy to make payments.
Easy to monitor and control.
Integration via API is simple

10) What are the things to consider before getting Non-3D payment gateway?

Non-3D Payment Gateway has got a tremendous advantage over others but in order to avail this service from the payment service provider; there are few things that merchants should keep in mind.

Always know everything about your service provider offering Non-3D payment gateway
Is it worth getting for your business, ask the payment service provider.
What are the operational and service charges for the Non-3D Payment Gateway?
Does it support all widely accepted payment methods like credit and debit cards, APM’s
How well does it support simultaneous processing of bulk payments?
How much time will it take to integrate to your website?

Conclusion:

Non-3D Payment Gateway is very important for high-risk merchants. Speedy and safe transaction without any validation is possible only with such a gateway. Businesses, where things change at every instance transactions with Non-3D Payment Gateway, can solve the purpose and assure huge benefits to merchants.

Common Misconceptions of Credit Card Processing in High-Risk Payment gateway Industry

It is quite misleading for some people to get into the myths about Credit Card Processing. These myths create a misconception in the minds of the merchant about what to choose or not. Before moving ahead let first understand what Credit Card Processing is.

Credit Card Processing

Credit card processing allows the transaction to be accepted through credit cards. The credit card information captured by the merchant business is first transferred to the payment gateway and then to the acquiring bank which verifies whether the customer has the required payment in the account or not. If yes, then acquiring bank transfers the approval to the payment gateway which again transfers the request to credit card companies to debit the requested payment from the issuer credit card account. Thus, the entire transaction gets completed and the payment is transferred to the merchant account.

eMerchantPro is one of the renowned names when it comes to Credit Card Processing Services in USA. We are providing beneficial merchant account services irrespective of the low or high volume of the merchant so that they can process smooth and flexible transactions for their business.

Popular misconceptions of Credit Card Processing

There are various misconceptions or myths regarding credit card processing companies. Let us take a brief look at some of them.

Hard to keep the data safe

Any business that needs higher security standards needs to be PCI DSS compliant. This stands for “Payment Card Industry Data Security Standard”, PCI DSS standard says that any business that is upholding the customer’s sensitive information must comply with PCI DSS. A merchant unable to have compliance can withstand the charges and fines from the acquiring bank for non-compliance.

Expensive processing fee

Many things are running behind per transaction. Many parties are involved in making and accepting business transactions. These entities are a cardholder, Merchant, Merchant bank, payment processor, card association, Issuing Banks, Independent Sales Organization & Membership Service Providers. Hence these institutions charge for their role in the transaction process and these Charges are cumulatively known as credit card processing fees. Though few of the credit card processors are notorious and add extra cost to the bills, expecting that merchants will not think twice about it. So rather than just blindly accepting the terms from the credit card processing company, get in contact with the professional to ensure that they are charging authenticate charges. eMerchantPro has more transparent processing fee structure as compared to any other merchant account service provider.

Credit and Debit Card Fees Are Similar

Most of the payment processing companies charge more for the credit card fee as compared to the debit card. The charges may depend on various factors and risk is one of the factors. It is just that the processing payment for the debit card is low while it is high in case of credit card processing.

Payment Gateways hold onto the Clients Money

Most people have this misunderstanding that the money from the client holds on with the payment gateway. However, this is not true at all. The payment gateways have their role, it collects the payment information and stores it securely and then pass it on to the acquiring bank.

The acquiring bank in its turn passes the encrypted information to the issuing bank for authorization and approval. Once the request is approved then the request is traced back to the customer. The customer gets approval from the merchant for having a successful transaction. This is the simple process that goes through the payment gateway.

Payment Gateways provide Banking Solution

This is among the many misconceptions about the payment gateway. Though the bank has its role in processing the payment. While the processor is just the interface between the merchant and the bank. And in many cases, the payment gateway has its place under the acquiring bank and does its work accordingly.

Payment Gateways Take No Responsibilities for Customers’ and Merchant’s Private Data

Gateways do have a major role in protecting the sensitive information of the customer. They aim to protect the merchant from fraud activities or any other data prevention leaks. It is also responsible for the security standards of the merchants.

Lower processing rates are better

As far as lower pricing rates are concerned, don’t fall into the trap with the lower rate service provider. Lower rates should not be your determining factor at all since you may get bad customer services, longer waiting time for the funds processing. The other most important factor is that different companies offer different rates. Some provide the services at a flat rate irrespective of the transactions however others provide the services at discounted rates. Try to get into the entire picture before you settle on certain rates.

It’s impossible to switch providers due to the contract

It is also a myth that most people have about online payments. If the merchant gets into the contract with one of the service providers they may not switch in between. However, the merchant can switch to other gateway services. It may be possible on certain terms and conditions that some payment gateway wants to negotiate with each other to provide the merchant with the flexibility to switch to other gateway services. It may also be possible that other payment gateway providers may want to buy out your gateway’s merchants by providing lower rates, So Be Aware!!

All service providers are crooks

Merchant account service providers may try to take benefits from all the businesses. But certainly, not all the payment gateway service providers are crooks. Most of them are very professional and you can look up to them at the sites such as Business Bureau and Merchant Maverick to ensure that it is safe to collaborate with them.

Local Banks with good rates are better

It may happen that your local bank is providing you a low rate. But it is usually good to look for the best rates that you can get. If you are getting the best rate from your local bank then you must go for it.

The bigger the brand better the services

Not every bigger company will provide you the best rates. It may also be possible that smaller firms may provide you with the best offers. Reach out to the ones that consider you as a customer not another number in their list.

Credit cards are cost-prohibitive

If you do the analysis then you will get to know that it is necessarily not true. Including the credit card option in your business will enhance your business.

Credit cards are not harmful for the financial health

This is a worldwide fact that the global payment method of payment cards and especially credit cards are always upon a certain risk on the behalf of your consumer or the cardholder due to this particular misconception merchants usually tends to take credit card processing as damaging to their own business but this is false. Since all the factors of risk such as this can usually be handled by your payment service provider keeping you and your business out of reach.

Banks are the only service provider

Most banks provide payment gateway services for you but there are also payment gateway service providers who can provide you with the payment solution. It is up to you where you can get the best offer. Don’t hesitate to go for the private ones if they are providing you the best processor that suits your business requirements. Also, you can get more flexibility with the private institution as compared to the banks or financial institutions.

Payment Gateways and Banking Methods are similar

Banks are responsible for processing online transactions particularly for e-commerce sites, while the role of payment gateway is different from that of the bank. The payment gateway serves as the mediator while the bank is in charge of handling the payment.

Every business requires a payment method for accepting payments from customers. This includes small businesses, retailers, or any online business. Don’t get into these myths that stop you from taking your business to exponential heights. Although, we have seen all are not misconceptions and some are facts. Payment Gateways are complicated machines integrated solutions that manage the financial transactions and perform other important financial tasks. Hence you need to pick your option well before choosing the right payment solution for your business. Get along with expert advice for feasible processor services. eMerchantPro is providing the one-stop solution for the merchant who is dealing in High-risk businesses by providing them with the High-Risk Payment Gateway in the USA for allowing them to accept credit card payments.

Mark your international presence with online tobacco Merchant Account

Introduction

The United States is the world’s fourth-largest producer of tobacco harvesting more than 533 million pounds of tobacco per year. In 2019, manufacturers sold around 126 million pounds of smokeless tobacco to wholesalers and retailers in the United States.

These numbers are sufficient to demonstrate the scope of the tobacco market in the United States. In order to garner benefits from tobacco business merchants should have Online Tobacco Merchant Account in order to process payments.

The tobacco industry has a lot of potentials. It’s one of the hottest industries right now, and merchants are reaping the rewards. Not only will partnering with the appropriate payment provider increase sales, but it will also protect you from chargebacks and online fraud.

What’s good with Online Tobacco Merchant Account?

Merchants that couldn’t sell their products directly turned to the internet to run and expand their businesses. As a result, they were able to expand their search for things that could be offered online. Selling Tobacco online is a fantastic idea. Merchants are making millions of dollars over such opportunities.

Due to serious health concerns around the world, tobacco sales are prohibited in some areas, but there are no such restrictions over the internet. As a result, the demand for such products has grown drastically. Online sale has seen tremendous growth over last decade. Merchant’s business has flourished greatly as far as risk is associated with the business.

Online Tobacco Merchant Account facilitates such businesses to accept payments for their sales. It approves the customer’s payments and helps in settling them into the merchant’s account.

Selling Tobacco worldwide is only possible with the merchant account. It knows no boundaries. Volume processing of payments in variables currencies is one of its prime features.

It has got all features that a merchant requires to trade all over the globe.

Why is it considered as High-Risk Merchant Account?

There are two major reasons for considering it as High-Risk by Acquirers.

Strict Laws associated with the selling of Tobacco
Chargebacks and frauds with online business

Laws may vary for every country but more or less they are strict about selling tobacco. Any change in rules can lead to instant shut down of business leading to huge financial loss. Similarly, Merchants having online stores face a lot of chargebacks and online frauds. People may find smarter ways to get refunds for services even after availing of the benefits. This can damage the seller’s business.

However, they may consider the application of merchants that have an exemplary credit history.

How to get Instant Approval for an Online Tobacco Merchant Account?

Having the right payment service provider for any online payment service is essential. They not only facilitate merchants with easy approval of merchant account but also provide payment gateways with the finest credit card processing.

Approval will require documents like

Business Formation Document
Tax ID
Business office documents
Owners personal ID with photo
Bank Details
Bank Statement for 3-6 months
Chargeback and refunds information, etc

These are some of the documents that are required in order to get approval for the new merchant account. Acquirers may hesitate in case of merchants having a low credit history or financial stability. Huge chargebacks and refunds indicate your way of business thus this should be low in case of faster approval.

Get your application right by justifying all reasons for you to have a merchant account will help you get easy and faster approval.

Benefits of Credit card processing

A good Credit card processing service can be a key player in your growth. Credit cards are the only payment methods that are universally accepted worldwide by customers as well as merchants.

The credit card has got several unique features

Widely Accepted: This feature has got great benefits. Having a credit card will encourage transactions from customers even where no other means of payment are unavailable.
Credit line Feature: Credit line means balance limit that can be paid later within a certain time limit. This permits customers to use credit cards in case having no money in their account. Customers can shop hassle-free without worrying about their balance.
Safer and quicker to pay: Merchants offering goods or services usually have credit card processing support so that they can accept payments from major of the customers willing to pay them. This is because it is not only safer but also quicker to pay with credit cards. Offering a Non-3D payment gateway with no authentication can change user experience over payments.

Wide acceptance promotes wider use. Integrating the payment gateway with credit card processing will service encouraging customers to pay with their credit cards and hence increased payments will directly benefit merchants.

A merchant should always associate with such a payment service provider that offers the best credit card processing. This will encourage more customers to pay via credit cards.

How can we help you get Payment Services?

Getting an online tobacco merchant account isn’t easy. There are severe restrictions against the selling of smokeless tobacco or loose-leaf tobacco. As a result, acquirers are wary of merchant applications. However, associating with us will never let you down.

When it comes to Merchant Account Approval, we are a well-known name in the industry. Merchants who contact us will not have to wait as long for approval and a payment gateway.

All you need is the right information on how to be accepted quickly. Documentation along with any assurer like us who can assure them of your business is mandatory for Online Tobacco Merchant Account.

Many Vendors may claim Instant Approval but as already said there is no such thing as getting a Merchant Account for business. It requires time for Banks to authenticate the documents. However, if the documents are well organized and presented as per their requirement this process can be easier.

Our experts will help in getting your documents in the right order as well as writing a cover page that highlights your company’s strengths, experience, and potential for growth.

We not only advantage merchants with the approval but also endow them with payment gateways that can serve your business in a much greater way.

Conclusion:

Online Tobacco Merchant account is specialized for accepting global payments for tobacco sales. Faster approval is only possible with authentic payment service providers. Their guidance can let you know the right acquirer that can easily process your request without any thorough considerations. Apply now to partner with us for the fastest approval of an Online Tobacco Merchant Account.

Top 10 High-Risk Payment Gateways for High-Risk Merchant

Today’s businesses are growing at a faster speed than ever. The merchant’s getting the grip of the market firmly since they know the key ingredients for evolving their business that is in-depth research the market as well as the need of the audience. No business can flourish successfully if they are lacking with an understanding of the market and its audience. Once you know the market and your audience you can proactively work to cater to the need of both. The cutting-edge technology has been successful in bringing the businesses at the front end by simply providing the best analytical tools to segregate your customer and on the other end best payment collection technologies that are compatible with the customer’s resources for making online payments.

Payment Gateways working as a catalyst for enhanced business revenues and sales since they have allowed the marketers to get on a platform that can allow them to connect globally with the customers. Though, with the evolution of the technology, the payment gateways have also evolved now they are advanced, integrated, and capable resources that are managing the different aspects of the business transactions from optimization of revenue to fraud protection, risk management to API’s enabled services, multiple processing for a higher level of authorization and various other aspects. All these attributes can be owned by the merchant by integrating the payment gateway services into the business application.

1. High-risk businesses such as casino merchants, CBD Oil merchants, Adult Entertainment industry, Tech support industry, Travel agencies, etc. have difficulties in obtaining the merchant account facility for their merchandise who may have potential losses because of the risk involved with these.

2. Banks classifies these merchants as the high risk based on the nature of the business they are having. Hence, they may or may not provide the merchant account facility to merchants. Merchants can get rid of this situation by working with some service providers who are delicately providing the high-risk merchant accounts to high-risk merchants. Get the best suitable payment option for your business according to the need of your business.

Here are some of the best high-risk payment gateway service providers who are helping the merchants in having different payment options for their business so that they can start accepting online payments through their business. Here is the list of the top 10 payment gateway providers providing the best payment services to a different range of merchants.

eMerchantPro

eMerchantPro is among one of the top best merchant account service providers who is involved in providing High-Risk Merchant Account services . They have some of the major bank association networks that help them to better optimize the payment processing options listed on the merchant’s website to work seamlessly.

emerchantPro is providing digital payment solutions with cutting edge-technology tools integrated with the payment gateway framework such as fraud detection, risk mitigation, different payment method, API integration, multiple currencies, and various other payment solutions that are required to enhance the overall performance of the business transactions. It has an association with some of the major brands such as JCB, Rupay, Maestro, UnionPay, etc. They associate with the merchants irrespective of their high or low business size to provide them with the best payment transaction solution that works best for them.

Pros

*Chargeback Management

*Multiple Currency

*Data Security

*International Merchant

*Approval Rating 98%

Cons

PayPal:

PayPal is one of the recognized brands for providing the high-risk payment gateway for business needs. They are allowing customers to make payments for more than 200+ markets. The payment gateway service providers are also known for accepting payments in more than 100 currencies. Moreover, making payments through PayPal has not remained a difficult task.

Consumers can make recursive payments without entering the credit card detail every time they want to make a payment with PayPal. They associate the unified dashboard where you can monitor the streamlined operation activities and overall analytics of your business payments.

Pros

*Support 100+ currencies

*Top-notch security features

*Offer 24/7 customer support in 17 languages

Cons

*Redirection to PayPal for payment completion

*The charges per transactions are high

Stripe:

Making online payments has been one of the priorities for Stripe merchants. And they have been successful in providing online payments from an e-commerce business to subscription-based marketers, to platforms and marketplaces they have been offering a stack of solutions for all your payment needs across channels. Merchants have the facility to better optimize their revenues based on intelligent machine learning and data from millions of businesses they can easily protect from frauds and enhance authorization on each payment from the customers.

The easy Invoicing feature will allow you to send invoices in minutes. Just integrate the stripe payment gateways you can easily start accepting recurring payments via credit or debit card, bank- transfers, and various other payment methods instantly.

Pros

*Accepts & Processes 135+ Currencies

*24/7 customer support

*Fund Withdrawals in Minutes

Cons

*Dispute Management Timelines are usually long

*No phone support available

Checkout:

Check out what the Checkout platform is offering with the payment options. They have been providing the advanced fraud protection mechanism for getting protected payments, a better integration facility, an international marketplace for the connection you to the global market, a wide range of payment methods that covers your business needs. Apart from that, you get an optimized dashboard where you can manage the reports of your business activities, and Data analysis for providing a detailed understanding of the payment transaction your business is going through.

Pros

*No initial setup or account maintenance fees

*Highly Customizable solutions

*Integrated with over 120 shopping carts

Cons

*Not a good fit for small businesses.

2Checkout:

If you wish to process high volume transaction you can easily get in touch with 2checkout.com. They extensively provide you with the best support with multiple payment processors that will allow your transactions to pass through the highest possible payment authorization, even for cross-border transactions.

The merchant will get the coverage in 200+ countries and territories, over 45+ payment methods, more than 100+ dealing currencies, and 24*7 Shopper’s support for order and payments. They are equipped with tools, capabilities, automation, integrations, and services to make global payments seamless and enhancing the customer experience with the latest and advanced technological features. The merchant will also get the benefits of higher conversion and increased authentication rates.

Pros

*Multiple payment methods

*More than 87 currencies

*Integrated with over 120 shopping carts

Cons

*Slow support and quality of customer service

*2checkout charges 3.5% and 25p per transaction

Firstdata.com:-

Firstdata.com is providing the gateway services to merchants for enhancing global reachability, securing the merchant payment transactions, improving customer relationships, expanding merchant business. They have been outstanding in understanding the business needs and come up with the solution that is helpful for the financial institutions, technology partners and independent sales and organizations.

We have been dealing with a range of businesses from e-commerce to subscription-based merchants, online marketers, individual sales and expanding our reach to millions of other lows, high and medium volume companies, organizations, and individuals for providing them with efficient payment solutions.

Pros

*Better integration with commercial websites

*Onsite Payments

*Facilitates the approval of credit/debit card payments

Cons

*Slow support and quality of customer service

Authorize.net:-

Authorize.net is providing a one-stop solution for the merchants who want to enable payment at retail locations, process payment manually or on the website, or through a mobile app. They cater to a wide range of requirements that involves a retailer or merchant looking for online payment solutions from their smartphone or tablet. They will help turn your smartphone become the point of sale terminal for the business. Apart from that merchants who are looking for e-check payment solutions can easily be benefited by getting in contact with the authorize.net team for availing the services from them.

Pros

*Extremely secure

*Processes transactions very quickly

*No boundation on size of transactions

Cons

*User interface is not good and intuitive

*Can have low pricing for small businesses

AsiaPay:

AsiaPay is a qualitative digital payment solution provider that strives hard to provide advanced, integrated, and cost-effective payment processing solutions to financial institutions and e-business around the world. They are hugely known for their multiple payment options and partners. You will easily get a world-class shopping experience with some of the major credit card partners such as JCB, Union Pay, Maestro, American Express, Rupay, etc.

They are dealing in providing multiple net banking or payment methods to allow customers to make payments directly through their bank accounts. They are also including payment flexibility for the customers so that they can buy now and pay later in installments. They are enriched with multiple e-commerce platforms, shopping cart plug-ins, fraud detection, and mitigation management tools, and various other services.

Pros

*Multiple Payment Partners

*E-commerce platform plug-ins

*Anti-Fraud

Cons

*Too expensive

*Needs to have Better UI and Design

PayU:

The best digital payment solution provider with all payment options has provided support to a wide range of clientele with the best success rates. They provide custom checkout experience for merchants, flexible 24*7 customer support, No document required to start integrating with PayU. These are some of the delightful cups and cakes that you can enjoy while taking services from the PayU service providers.

You will get the flexibility of integrating the payment gateway with any of the platforms such as mobile app or website etc. They are serving the requirement of different businesses such as Freelancers, startups, Enterprises, Omni-channel businesses, etc.

Pros

*Multi-currency

*Alternative payments

*Recurring payment

Cons

*Late Payment Settlements

CCAvenue:

CCAvenue is one of the commercial service providers who are authorized as the master merchant by the financial institutions to provide payment solutions to sub-merchants so that they can start accepting payments from the customers.

CCAvenue is one of the e-business solution providers that is helping the merchant website to transmit transaction data through credit cards, online banking, and other payment methods. They have their range of services categorized according to the evolving needs of the customer such as Invoice payments, B2Biz payments, subscription, storefront, CCAvenue phone pay, CCavenue finance, etc.

Pros

*Invoice Payments

*Multiple Currency Processing

*Responsive Checkout Page

Cons

*No phone support available

We have been through with some of the best payment gateway service providers. Now we also know the Pros and cons of each and every payment gateway provider listed here. It is always recommended to take in-depth knowledge of the subject before making a decision hence consider consulting a merchant account service provider before choosing the best payment gateway services for your business.

How to Mitigate the Risks with a High-Risk Payment Gateway?

The high-risk industry requires a high-risk payment gateway and a merchant account for online payments. These high-risk payment processing channels need to mitigate the risks to process the payments securely. However, the high-risk sector contains immense risks that can affect the payment gateway as well.

Thus, a payment service provider needs to be well aware of the risks in the sector and should know the tools to tackle the threats. A high-risk payment gateway can help your business to perform better concerning the payment experience. It will strengthen a company’s payment processing capabilities.

Tackling the Risks with a Payment Gateway

The risk factors in these industries range from frauds to chargebacks. Therefore, expertise in the field is crucial.

P2PE: The point-to-point encryption changes the sensitive information to non-sensitive information. Therefore it allows a safe transfer of payments. The channel remains encrypted from one point to another to ensure maximum security while the money is transacted.
Tokenization: The process of converting the transaction data to a piece of non-sensitive data is known as tokenization. A token is provided to the consumers for the encrypted data. Whenever the token is entered, the data changes to readable information.

Tokenization works best with the Global card Saving feature of the High-Risk Payment Gateway. There are just a handful of service providers that have the global card saving feature. It is a feature that requires expertise to handle.

PCI Compliance: Your business needs to get PCI Compliance from the payment service provider. It is always charged according to the level, where level 1 represents the top tier security with load limit. PCI Compliant Level 1 Payment Gateway ensures that the payment channel is well encrypted through the transaction.

Therefore, you need to seek a payment service provider with PCI compliance as an add-on feature. It will add to the payment experience for the consumers.

Fraud Prevention Tools: Multiple fraud prevention tools in the market help your business to catch the fraudsters. One of the essential parameters of classifying an industry as high-risk is the number of frauds. Therefore, the company needs to keep a check on the scammers. AVS, Fraud Scoring, CVV checker, and Device ID are some of the Anti-Fraud Tools for your business.
Type of Payment Gateway: There are two types of payment gateway. 3D Payment Gateway and Non-3D Payment Gateway are the two types of payment gateway. The 3-D Payment Gateway is the most secure payment processing channel with a third layer of protection. It generates the OTP that you need to enter to authenticate the payment process. It adds to the security check of the consumers and provides a safer transfer of funds. On the other hand, the Non-3D Payment Gateway provides the speed of transactions. It completely removes the wait for entering the OTP and authenticates the payment without it. Therefore, it will be a huge benefit to the industry that is looking for the speed of payment.
Mitigating the Chargeback Risks: The high-risk industry faces a lot of chargebacks. Therefore, your high-risk business needs a payment processing channel with a powerful dashboard. It will allow you to access the chargebacks from a single window. You can automate the responses or critically review the chargeback to respond to them. Reducing the chargeback ratio for your business is essential as you need feasibility in the market.

eMerchantPro’s Offer for Your Business

eMerchantPro’s Payment Processing Channel is tailored for high-risk businesses. In other words, we provide solutions to the industries that fall under the high-risk sector. Ranging from eCommerce to Adult Toys, many companies require a High-Risk Payment Gateway for their business. However, due to their risk factor and specific parameters, they are denied a payment gateway by the conventional service providers.

eMerchantPro comes to the rescue for these merchants. We provide a secure payment processing channel with loads of features for the merchants. These features allow the merchants to offer the best payment experience to the consumers. Moreover, getting a high-risk payment gateway lets you process payments on your website. Do remember, all of these are the security features that a payment gateway provides.

What does your high-risk business need?

When you take your business online, you need to accept the payments to your acquiring bank readily. However, due to specific parameters, many service providers deny services to you. Thus, eMerchantPro comes into the picture to help your business. We provide a payment gateway service to these industries. Moreover, there is a list of features that we have for your business as well.

These features will provide you an edge over the other businesses in the sector. Providing convenience to the consumers will be a reward with loyalty. Last but not least, we have a dedicated team of experts to look at every need of the merchants. Our clientele is vast, with an array of industries covered. It will help your business to reach a bigger audience at a minimal time. Get in touch with us and get a personalized solution for your business today. We will provide a secure High-Risk Payment Gateway for your business with affordability in mind.