Need a Shopify Payments alternative? Here’s what to do –
From pipes and glass to CBD or vape- from online cigar sales to FFL and tactical websites looking to accept payments on Shopify, this article can help you set up an alternative payment processor and gateway that works with your existing Shopify website.
Why do some businesses have a hard time with Shopify Payments?
There are many reasons why your e-commerce store might not fit the standard allowed merchant categories at Shopify Payments. Some merchant types naturally should be restricted due to being illegal or highly dubious. A few examples are illicit drugs, pyramid schemes, or get “rich quick products” with faulty claims.
However, many legal, legitimate product types are restricted by Shopify Payments. Some activities are not declined for any nefarious reason – they are refused or worse yet shut down because they are not a good fit. The reason for this is because they fall outside of Shopify Payments’ standard merchant categories.
These businesses usually meet with difficulties due to perceived financial risks to the processor, or because the processor does not have enough similar merchants on board already to judge their risk.
For example, high-dollar coaching event tickets are subject to a high likelihood of charge-backs or returns; as such, they are “high-risk.”
Regulated products, like CBD, and Shopify
Other significant groups are regulated products, like CBD, electronic cigarettes, e-juice, tactical items, premium cigars, and some supplements that Shopify Payments considers a pseudo-pharmaceutical.
Financial companies need to process these payments with greater caution, as these products are either tightly regulated or highly scrutinized.
Like you and your business, payment processors also need to take extra care in following rules and regulations when engaging in legally complex markets.
Shopify, at its core, is a business, and they need to manage risk efficiently. If a product type potentially poses harm to their company, their risk-evaluation may conclude that they avoid this category altogether. This evaluation is based on multiple reasons. Chief among them is the potential of having to respond to a regulator, credit card company, or deal with negative publicity.
Ethical skincare products, health supplements, and Shopify
Shopify restricts what they call pseudo-pharmaceuticals in order to target fake medicines and supplements with claims they cannot substantiate. Non-FDA-approved male enhancement pills with false claims and miracle weight-loss pills promising massive weight loss in a short period of time are perfect examples of these products.
What about those who sell traditional herbal supplements with honest, straightforward descriptions? What about people selling herbal bug repellant or makeup that reduces the appearance of aging? What about over-the-counter skin, eye, or hair products that follow FDA monographs? What about safe weight lifting supplements manufactured in a GMP facility? Established homeopathic remedies?
Many types of alternative products that aren’t fraudulent could potentially, although not always, get caught in the crosshairs of the Shopify Payments’ prohibited category policy and therefore require us to set up a high-risk friendly Authorize.Net account for Shopify.
Turned down by Shopify Payments and in need of a payment gateway?
Need help, or even just some expert advice? Please contact us here or use the form at the bottom of this page. Our partner’s experienced, one on one support has helped hundreds of Shopify merchants benefit from the world-class site-building features of Shopify even when their business type is considered a prohibited product service.
Once you are set up, our trusted partners will even help you integrate your high-risk friendly payment gateway into your Shopify store, it’s as simple as entering some credentials into their drop-down menu.
Since 2002, we have helped high-risk site owners accept credit cards
We are A+ rated, and BBB accredited, with years of experience and many long-lasting relationships in high-risk payment processing. Our recommended solutions take the time to understand what your business does and can help set you up with a payment processor and a merchant account alternative for Shopify that works for you. Read more about us, and what we do, here.
We love Shopify. We recommend them all the time, even for merchants who are not an ideal fit for Shopify Payments. Because the Shopify service and site builder are still terrific products it is often worth sticking with them. “High-risk” businesses just need assistance accepting credit cards on Shopify, and we love to help.
High-risk friendly alternatives to Shopify Payments
If you are among the businesses blocked from using the standard Shopify payment gateway, we can help. While frustration might tempt you to start all over with a new e-commerce platform, we can help you find a suitable solution while still using your Shopify site.
We are very familiar with highly regulated e-commerce markets and can help almost any legitimate business find a way to navigate the complications and feel secure in a credit card processing recommendation.
Businesses that are within Shopify Payments’ rules and guidelines will find that Shopify Payments is a fantastic solution.
For Shopify websites that don’t clearly fall within the rules and regulations, however, you are likely better off working with someone who can take the time to understand your business and make 100% sure that the payment gateway/merchant account combo is best.
We recognize a large number of merchants are looking for easy solutions to credit card processing challenges and we have been able to help many Shopify merchants continue to utilize its great features and still be able to charge credit cards for their products.