High-Risk Payment Gateways
Chargeback Mitigation & e-commerce Solutions
What exactly is a payment gateway?
Authorize.net, ePN, or NMI are examples of popular payment gateways. A payment gateway, in it’s simplest terms is a software as a service (SaaS) that allows you to transmit and store sensitive credit card information in a secure environment. The payment gateway integrates with an online shopping cart or software system and transmits the transaction to your merchant account or processor. In the same way the little black terminal at your favorite sandwich shop transmits your card holder data when the clerk swipes (or dips in the case of EMV) your credit card through it, a payment gateway also transmits your customer’s data, albeit with many more features and different security measures in place. The merchant account is your business relationship that underwrites your account and actually deposits the funds into your business bank account. It can get confusing, and we are happy to go over it with you in detail so please feel free to use the contact us form, or call us any time with questions. Also, if you are web developer and have a client in need of assistance please take advantage of our “Just For Web Developers“ program where we offer free advice to web developers on eCommerce carts and software, payment gateways, chargeback mitigation, SSL certificates, and high-risk merchant account suggestions.
I am “high risk” and am having a hard time getting a payment gateway account approval. Can you help me?
We have over 10 years experience in payment gateways, online software, and chargeback mitigation. Additionally, we know the major players in the domestic and international credit card processing industry and can make educated recommendations. Simply fill out the “contact us” page with a description of your product, and the challenges you have had in the past and a trusted, independent agent will get right back to you with a payment gateway that works for your industry type and via our time-tested affiliations a processor / merchant account suggestion. We have credit card processing relationships that work with merchants who are in the pawn shop industry or federally licensed online and retail shooting sports merchants who sell firearms and ammunition online, and have other recommendations for weight loss products, online beer, wine, liquor, or other alcohol sales, recurring billing clubs, travel packages, fantasy sports leagues, glass pipes, grinders, electronic cigarettes/ e-cigarettes with nicotine, Biz-ops / business opportunity products, nutraceuticals such as male vitality and garcinia cambogia, liquids and supplements, DR / direct response merchants, pre-paid phone cards, pawn shops- online and FFL pawn as well- online dating, and MLM /multi-level marketing companies! For a more comprehensive list of common high-risk product types please click here, or call us, we are happy to help!
Do I Need Both a Merchant Account and a Gateway?
Generally to process cards online you need payment gateway software such as Authorize.Net, ePN, or NMI and a merchant account which is the relationship that actually processes the cards and deposits the funds into your bank account. You can often go through the same original point of contact for your credit card processing and your gateway whether it be by using our recommended partners, or another provider. Getting your merchant account through one vendor, and your gateway through a source that has no relationship with your gateway or re-seller can create “he said she said” issues, additionally, it can add to your fees. It’s your choice though and we are happy to discuss your options.
Why Tasker Payment Gateways?
When it comes to selecting the right payment gateway and reseller, you want to work with someone who will take the time and explain things, someone who is trying to actually help you rather than just make a sale. We take a consultive approach and enjoy taking the time with both our new clients and potential clients. We are happy to help even if you are just checking things out, don’t know where to start, or are with someone else and not quite ready to switch. We often earn our customers business months or years after we first speak. Contact us anytime, we are always happy to help whether it be a standard gateway or a unique solution like NMI’s ATRI feature and it’s ability to manage multiple merchant accounts through one log-in.
Do I need a shopping cart?
Depending on what kind of transactions you are looking at processing through your website, a shopping cart may or may not be necessary. For people selling one item, taking donations, or selling tickets, using Authorize.net and a simple checkout “buy now” button will do what you need and save you time, money, and effort that would normally go into configuring and maintaining a shopping cart solution. Our NMI Network Merchants gateway offering has a QuickClick feature that allows you to add multiple items to a cart and even manage basic recurring billing without any 3rd party cart. On the other hand, for a more complex online retail experience where you will have several items with varying price points, a shopping cart is probably a good choice.
Some popular e-commerce shopping cart, payment page, and CRM software solutions are ASecureCart, Drupal, BigCommerce, Mijireh, WHMCS, OSCommerce, Shopify, JigoShop plugin for WordPress, Wild Apricot, Cube Cart, Magento, Open Cart, Salesforce via Chargent, Virtue Mart, Wazala, Weebly, WP E-Commerce, & Zen Cart. As always, we’re happy to take your questions, so give us a call or email us and we can help you make the right decision for your business.
Have a question? Need general information, rates, or help with getting started? We are happy to help even if you just have a quick question about the industry - even if you are "not ready yet" - even if you just want a little free advice. We regularly earn clients' business years after we first speak. Please visit our contact us page or call us at 207-772-8737 any time.
All the best - Matt