What’s the best high-risk payment gateway???

We are often asked the question “what is the best payment gateway out there for a high-risk merchant like me?” and the answer we must give always seems to sound like a tired sales pitch. When asked this question, any eCommerce professional or consultant must (well, should) answer it with some derivative of “it depends, let’s talk about your business.” This reply, unfortunately, reminds me of the frustration we all feel when trying to get information from a contractor by phone. – “Can you just give me a ballpark before I carve out 2 hours on a Tuesday to talk to you, I don’t want to waste your time?”

Why there is no simple answer

Here are a few examples of why the question is so nuanced, and why we always recommend folks call us or contact us to discuss their situation.

Example 1. Internet warrior

You are an internet marketer who needs a payment gateway and processing recommendation operates 6 different make money from home and e-book websites and who uses a handful of both high risk and low-risk merchant accounts. You use the LimeLight CRM. Well then…..you are a text book example of the type of merchant who would really love NMI (Network Merchants). You would be able to not only seamlessly integrate with LimeLight, but you would be able to log in, pull reports, and manage all your merchant accounts through one master login. You could even use NMI¬†account balancer to direct your high-risk products to your higher cost merchant accounts and your low-risk products to your low-cost accounts (with your processor’s blessings of course). You could even create custom routing based on volume, average ticket, SKU, etc.! See! NMI is the best. Unless…

Example 2. Established vape merchant using FreshBooks

You are a medium sized e-commerce business selling electronic cigarettes and e-juice online. Well, your business is mostly online, but you do make some wholesale deliveries and accept some payments in person. Lastly, you are going to start using FreshBooks (nice choice by the way) as your accounting software. Well, in this case, the answer is obvious! Authorize.Net is the best payment gateway for you (in our humble opinion). It will integrate so seamlessly with FreshBooks you will think of them like cookies and milk! (well, you know what I am trying to say). Payments will automatically post, double accounting entries will be a thing of the past, and your accounting processes will be smooth as glass. See? What did we tell you? Authorize.Net is it! But wait, there’s more!

Example 3. Firearms dealer looking to accept credits online for the first time

You are an FFL dealer with a successful retail shop. You want to expand your reach. You do everything by the book. You are ready to start selling firearms on your site, and also on the 2 most popular auction sites. Well, no gateway¬†appears to be more entrenched in the FFL community (judging by our unscientific, not vetted surveys!) than eProcessing Network. ePN will plug right into the big boys of FFL auction sites in 5 minutes and you will be off to the races! It’s the best!

These are just a few examples. Regardless of whether or not you ever intend to do business with us, we are always happy to share out experiences and help a fellow eCommerce warrior.

Give us a call, or contact us anytime.

P.S. We're happy to help even if you just have a quick question - even if you are "not ready yet" and just want a little free advice. We regularly earn clients' business years after we first speak.