What is “the best” high-risk payment gateway?

Well, it could be NMI, Authorize.Net, or ePN. It depends. Really, it does, This is not clickbait, this is not a sales funnel. It really does depend on a number of factors.

We are often asked the question and the answer we give can, unfortunately, sound like a sales pitch. Every time we answer it with some derivative of “it depends, let’s talk about your business”  our answer reminds us of the frustration felt when someone tries to get basic information from a home improvement contractor by phone. “Can’t you please just give me a simple answer before I carve out time on a Tuesday to talk to you?”  But, because of our experience in high-risk payments, we know that there is not always a simple answer.

But, why isn’t there a simple answer?

It is a good question, and luckily there is a good answer. Below are a few examples of why the answer is so nuanced and why we always recommend folks call us or contact us to discuss their exact situation.

High-risk payment gateway example #1: an Internet warrior using LimeLight

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 textbook 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 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…

High-risk payment gateway example #2: a vape website using Shopify

You are a medium sized e-commerce business selling electronic cigarettes and e-juice on Shopify 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 Shopify 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 Shopify you will think of them like cookies and milk! (well, you know what I am trying to say). Payments will automatically post, we will be able to make a solid vape friendly merchant account recommendation and you will be off to the races! See? What did we tell you? Authorize.Net is it! But wait, there’s more!

High-risk payment gateway example #3: an online FFL dealer looking to accept credit cards

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 WooCommerce 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.

Looking for a high-risk solution? Give us a call, or contact us anytime.