eCommerce
Credit Card Processing

The term “high-risk” shouldn’t scare you. There are a wide variety of reasons an eCommerce business can be classified as high-risk and not all of them are necessarily bad. High-risk merchants may earn this classification due to their frequency of abnormal transaction size, their industry of choice, average chargeback rate, fulfillment timeframes, or if they are accepting payments based on a subscription program. By falling into any one of these categories, a business may be deemed high-risk by nearly all merchant account providers.

The main reasons a business may be considered high-risk:

• Higher than average number of chargebacks often due to unclear terms of conditions or buyer’s remorse
• Negative Opt-outs occur when customers think they are signing up for a one-time payment. Still, they agree to recurring payments until they actively cancel or negatively “opt-out” from being charged.
• The customer is offered deferred billing or a free product if they pay for shipping, which leads to an unexpected future bill.
• Terms and Conditions are often buried in small print, hidden in an extended agreement, or are hard to locate on a website.

Look to partner with a merchant services provider that is well-versed in the intricacies of the eCommerce industry. You’ll want to work with a team that can address the challenges and concerns you face as a merchant as policies and regulations continually change in the industry. 

One of the most important attributes a merchant needs from an eCommerce payment processor is flexibility and the ability to integrate with the most common eCommerce software platforms they may be working with on a daily basis. 

Your provider needs to consistently deliver solutions to combat chargebacks or fraud and allow you to scale processed revenue without restrictions as your business grows. Most importantly, you need a business partner that will work with you on a day-to-day basis to help you limit your chargebacks, offer you the lowest rates in the industry, and allow you to profit and scale at a rate that’s unparalleled in the eCommerce industry.

Our expertise lies in integrating eCommerce shopping carts with your merchant account to provide a positive customer experience. Our team helps with training, integration, and ongoing support to ensure you have a secure and reliable payments solution for your eCommerce platform. We accept a multitude of payment forms like credit, debit, ACH, PayPal, and more. WizoPay also has an established API to help with ease of integrations with a variety of eCommerce shopping cart platforms including:

Having a trusted eCommerce credit card processing provider who understands the online business model of your industry is crucial to success. Our team has in-depth experience in the following industries to help you navigate these challenges as they arise.