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What is a WooCommerce merchant account?

WooCommerce is a popular e-commerce plugin for businesses using WordPress as their e-commerce site. High risk merchants will need a merchant account that syncs with WooCommerce since they can’t use the plugin’s “core payment gateways”.

Why do I need a WooCommerce merchant account?

WooCommerce’s “mainstream” merchant account providers will often turn down businesses in high risk industries (like nutraceuticals, vape products, travel, and more). When this happens, you need a high risk merchant account that will seamlessly integrate with WooCommerce via their “premium payment gateway” extension.

How do I determine if I need a high risk merchant account for WooCommerce?

If your industry is considered high risk or your previous merchant account received multiple chargebacks within a relatively small sample size of orders, you’ll most likely need a high risk merchant account.

Can I just use PayPal or Stripe for my transactions?

High risk businesses can sometimes utilize the “core payment gateways” in WooCommerce if they use third-party providers like PayPal or Stripe. However, if you want to process payments directly through your site, then you want a merchant account. Also, the vast majority of consumers prefer to purchase online using their credit or debit card.

Doesn’t WooCommerce offer its own merchant accounts?

No, it does not. It offers a number of “core payment gateways” and third-party providers like PayPal, but high risk businesses will need to get a high risk merchant account that can seamlessly integrate with WooCommerce.

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