eCommerce Merchant Accounts

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We specialize in eCommerce Merchant Account and merchant accounts for ecommerce websites. We approve practically every business type, even if you have been turned down for payment processing. With decades of experience, our team is here to help. Even if you have been shut down by your current processor, we have a solution for your particular situation. We’re available to answer any questions and provide ongoing continued support for our valued customers.

Don’t hesitate, call us immediately for assistance. Our dedicated staff is standing by to assist you. Our typical turn-around time is 3 business days and in some cases the same day. We look forward to working with you Apply Today

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What Is A e-Commerce Merchant Account?


An eCommerce merchant account is a special type of account that allows your online business to accept debit cards, credit cards, and other such payment types. Merchant accounts in general are different as compared to traditional business bank accounts. They are governed and administered by an agreement between an eCommerce business and their merchant service provider or payment processor. A merchant account makes it easier for an eCommerce business to receive payments from consumer purchases in an efficient, timely manner.


eCommerce is one of the largest online sectors in the world so it’s not surprising that more and more businesses are expanding into the digital space to take advantage of this growing market. However, starting and managing an eCommerce business is not easy because these businesses work in radically different ways as compared to their brick and mortar counterparts. They face unique challenges. One key challenge is to process debit and credit card payments. To do that, they need to seek an eCommerce merchant account.


How to Get Approved for an e-Commerce Merchant Account?


Applying for an eCommerce merchant account is a straightforward process. However, getting approved for such an account is another story. This is because issuing merchant account is a highly competitive niche. To minimize risk, merchant account providers use a variety of criteria to determine whether or not to approve an application. You can increase your chances of getting approved by following these guidelines:

* Make sure that your financial statements are legit and up-to-date.

* Have a good processing history. This is important because it tells the payment processor that you trade more and have a good overall standing in terms of transactions.

* Write a cover letter that clarifies the details of your business. Your goal should be to address relevant points that underwriters consider when reviewing an eCommerce merchant account.


Documents Needed for an e-Commerce Merchant Account?


Getting a new eCommerce merchant account requires underwriting and approvals. The process begins with an application to a merchant account provider. At minimum, following are some key documents/details that you will need to provide:


  • Business bank account information as well as routing numbers
  • Employer Identification Number for tax purposes
  • Fully operational business website (address)
  • Social security number, government ID or driver’s license of the business owner
  • Contact information
  • Business owner’s financial information
  • Estimated processing volumes

What exactly you will need to get an eCommerce merchant account depends on many factors. Apart from the above-listed documents, additional documentation might be required, particularly if your merchant account needs a high line of credit.


How to Keep An e-Commerce Merchant Account In Good Standing?


eCommerce merchant accounts are susceptible to fraud and chargebacks. There are certain set of rules that such merchants have to follow to stay in compliance with the payment processor and avoid problems that could be devasting to their business. Following are some guidelines to keep your eCommerce merchant account in good standing:

  • Provide Easy to Access Contact Information: Make it easy for your customers/buyers to contact you. Clearly post phone numbers and email addresses on your website. Also, make sure to respond to emails and telephone calls in a timely manner.
  • Offer Excellent Customer Service: Do your best to offer great overall customer service. If there is a customer issue, try to resolve it as quickly as possible and in favor of the consumer.
  • Confirm Descriptor: The descriptor is information regarding a sale/purchase that a customer sees on their monthly credit card statement. Make sure that it is clear and easy to recognize.
  • Carefully Monitor Your Account: Careful and regular account monitoring will help you stay alert of any suspicious activities and/or any transactions that could be fraudulent.
  • Respond Promptly to Bank Requests: It is important to respond to the requests from the bank about customer disputes. Make sure to answer all requests in a timely manner and provide supporting documentation whenever required.
  • Comply with the Merchant Agreement: Carefully read the merchant agreement and its stated terms and conditions. Know your processing limits and if you have any material changes on your eCommerce merchant account, contact your merchant account provider in advance.
  • Use Chargeback and Fraud Protection: Implement automated chargeback and fraud protection tools and strategies. It would also be a good idea to block transactions from counties that are notorious for high levels of chargeback or fraud.

An eCommerce merchant account is an obvious choice for businesses that need great customer service management, flexibility, and the ability to process large volumes of payments effectively. Be sure to choose a reliable payment processing solution that is suitable for your eCommerce business model and follow the above guidelines to ensure your merchant account stays in good standing.


Multiple Payment Choices:

We comprehend the individual payment needs in the warranty space. Processing your customers payments fast and efficiently is our total focus. We can integrate your CRM to set-up recurring payments while your customer is on the telephone. This tends to be the choice for most industry participants. If this is not the right solution for you, we offer website payment integration, high risk merchant account virtual terminals, or the traditional credit card terminal on your desk-top. Our trained staff are standing by to assist you in determining the best payment choices for your business.

  • Telemarketing CRM Integration
  • Secure Ecommerce Payment Gateway
  • Virtual Terminals with Recurring Payments


Our Benefits:

  • Fast Secure Online Application, provides secure online submission.
  • Multiple Platforms, including CRM & Ecommerce Solutions.
  • Dedicated account managers with decades of experience to share.
  • Diverse Acquirer’s with risk appetite & tolerance for the auto warranty industry.
  • Fast decision turn-arounds on application packages.


Our Mission:

Our goal is to approve all merchants, regardless if you have been shut down or turned down in the past. We understand mitigating circumstances such as chargeback ratios & exponential monthly volume growth can devastate a bank relationship, causing a merchant closure or substantial holds place on an account to protect the bank from losses.

We are dedicated to making every attempt to resolve issues and get your account approved. Our commitment to excellence and going the extra mile to exhaust every opportunity is our mantra. We strive to exceed expectations and utilize our expertise and competence to deliver unsurpassed customer satisfaction.


Our Commitment:

With our team’s unique experience in the payment space, we bring the vital expertise to get your account approved quickly and painlessly. Our staff is committed to providing unsurpassed customer service and strive for 100% customer satisfaction. Give us a call today to discuss all of yourcredit card processingneeds.



At High Risk Merchant Account LLC, your business success is our ultimate goal. Our dedicated staff is standing by to assist you in navigating the payment processing space. With decades of experience, our team is committed to providing competent knowledgeable advice and a plan of action to get your merchant account approved quickly. Call us immediately to get on the fast track for auto warranty merchant account approval. Our typical turn-around time is 3-5 business days and in certain cases the very same day. We look forward to working with you!     Apply Online Today