Online Payment Processing for High-Risk E-Commerce

Where Should You Find an E-commerce Merchant Account?

As Credit Card Payment professionals, we will get your business ready to accept online credit card payments and other forms of electronic payments with customized online payment processing solutions. At Aacadia Payments, we are the leading authority in providing e-commerce merchant services, ecommerce merchant accounts, and ecommerce credit card processing solutions for a vast array of industries.

Payments have Evolved to accept Ecommerce payments!

Ecommerce is the buying and selling of products or services through digital channels. There are several specific types of e-commerce; the most common form being online shopping, or B2C as we in the business world know it as business to consumer. In this environment, consumers can order various products and manage their ecommerce payments all online. A second category is B2B or business to business.  This is when  businesses, like manufacturers, retailers or wholesalers sell goods and/or services. Finally, e-commerce business has many businesses that transact C2C or from consumer to consumer, through online platforms like EBay, Etsy and other similar websites.

Credit Card Processing Growth

E-commerce is now more popular than in-store shopping, with 63% of Americans citing online as their favorite way to shop.  E-commerce is steadily taking more and more of the shopping business. As such, if you are one of the tens of millions of businesses that use an e-commerce platform, you need to ensure you have a High-Risk Payment Provider and a Ecommerce merchant account. Importantly, before you launch your business, make sure you start with the correct e-commerce payment processing solution such as Aacadia Payments. 

You need Aacadia Payments for your online payment processing solutions.

Online Credit Card Processing  for E-commerce Retailers

Online Retailers make things very convenient for purchasers. But it can be difficult at times, especially for those that are higher risk Ecommerce businesses to be able to process and take debit and credit card payments without issues.

Reliable and Secure Payment Processing is the key for e-commerce merchants. Make sure you do your research and select a High-Risk Payment Provider that understands your business model.  Recently, many high risk and low risk payment providers have changed the way they do business to meet new payment regulations. Accordingly, they have increased their Fraud Prevention and Internet Security to try and lessen Fraud Losses.

Aacadia Can Support your High Risk Business

Finding the right payment provider can be difficult as there are a lot of nuances. also, you’ll want one that can meet the specific needs of your business. Once you have identified a qualified payment provider, they can help you get set up your merchant account.

E-commerce merchants are faced unnecessarily with higher than average credit card processing fees. Including many times an Equipment or POS Fee, a setup fee, equipment fee, and even Early Termination Fees when they close their merchant account. These are only a few of the processing fees that merchants may find with many payment processing providers. Other fees include monthly support fees, access fees, and more.

Let the Aacadia Payments Experts Guide You To The Best Online Payment Processing Solutions

With Aacadia Payments Ecommerce credit card processing, you will be able to accept credit cards from your website with simple integrations. Our solutions help business owners take their business to the next level.

Our Ecommerce Merchant Accounts and Plans Feature:

• Support for Most/All shopping carts 
• Gateways with Multiple Options
• Chargeback Mitigation Alerts and Management
• Robust Gateway and Merchant Account and Tailored Fraud Prevention Tools

Our affordable e-commerce merchant services and our  online credit card payment processing Gateway seamlessly integrates with your Shopping Cart or Payment Platform. As a result, this gives customers a smooth and secure online buying experience. Launch your shop with the right ecommerce credit card processor and avoid getting your merchant account placed on Hold or Terminated. Moreover, Aacadia Payments is at the forefront of the ecommerce payment processing industry and will remain knowledgeable on any Compliance Regulations that affect your business. 

We understand the unique payment processing requirements of Internet-based business, as 92% of our clients process payments online.

High-Risk Online Payment Processing for E-Commerce

Online stores are card-not-present businesses, so processors look harder at them than at a shop with a counter. You're more likely to be labeled high risk if you sell subscriptions or free trials, high-ticket products, or anything in a regulated or restricted category, or if your store has a history of chargebacks. Aacadia Payments specializes in exactly these merchants.

What you get with Aacadia Payments

• Banks that want your business. We work with 47 banks in the US and the UK and place your store with one that specializes in your industry.
• Published pricing. Typical pricing is 2.99% + $0.12 per transaction. Your final rate depends on your volume, average ticket size and processing history.
• No-reserve negotiation. We try to negotiate no reserve on every account. If a bank requires one, we'll tell you before you sign.
• Fast approval. About 48 hours from the time we receive your complete application package.
• MATCH list help. If a past processor placed you on the MATCH list, we can help you get removed.

Online businesses we work with

We set up e-commerce merchant services for subscription boxes, continuity billing, nutraceuticals, online dating, high-ticket coaching and many more. See every industry we cover on our high risk credit card processing page.

How to get approved

• Complete our online application.
• Send a government-issued ID for every owner with 25% or more of the business, a voided check or bank letter, your 3 most recent months of processing statements (if you've processed before) and your 3 most recent months of business bank statements.
• Review your proposal and rate quote, then sign when you're ready.
• Connect your shopping cart or payment platform and start taking payments.

Online Payment Processing FAQs

Can a high-risk online store get a merchant account?

Yes. If your business is legal, we can get it approved. We match you with a bank that specializes in your industry, which is how we keep a 99.8% approval rate.

What does online payment processing cost?

Typical pricing is 2.99% + $0.12 per transaction. Your exact rate depends on your industry, monthly volume and processing history, and we quote it before you sign anything.

Will I need a rolling reserve?

We try to negotiate no reserve on every account. A bank may require one based on your financial situation, credit score and industry. If it does, we'll tell you upfront and work to keep it as low as possible.

How long does approval take?

Typically about 48 hours once we have your complete application package.

Will it work with my shopping cart?

Our gateway options work with most shopping carts and payment platforms. Tell us which one you use and we'll confirm before you sign.

Open your Online Payment Processing Merchant Account with Aacadia Payments Today by filling out the form below!!