High Risk Payment Processing | How Payment Gateway Integration Works

Jun 29, 2020

Making purchases online is not something consumers give much thought to these days. It has become such a natural, everyday thing. Even so, much goes into the online shopping and checkout experience. As a merchant, you know just how much time and thought goes into creating a positive, seamless customer experience, none of which would be possible without payment gateway integration.

How does payment gateway integration function?

As an online merchant, it definitely helps to understand the ins and outs of your website and checkout process. Consumers today expect a simple, hassle-free payment processing experience. If you fail to offer them that, you risk losing customers to your competitors.

To make sure you provide industry leading processing services, start by breaking down the payment gateway integrations. Once you understand how this process works, you will be better equipped to choose the payment processing provider that is right for your business type and industry. The following information will help you get started.

All payment gateway integrations can be classified in four different ways:

  • Simple checkout method
  • Direct post method
  • Server integration procedure
  • Advanced integration procedure

How Does Each Payment Gateway Integration Method Work?

The simple checkout method, as the name implies, is the simplest way to integrate payment gateways into a website. It involves directing the user to another site to create the transaction (e.g. being directed to PayPal). The only problem with this method is that the customer must leave the website. Some might consider this to be a hassle, leading to dropouts.

With the direct post method, the transaction remains on your site but then sends the customers’ information into the secure gateway. The trade is then handled there.

The server integration method (SIM) gives you the option of managing transactions on your website. However, the transaction is still being processed by a payment gateway service provider. Your customers are simply not aware that someone else is managing the transaction. (Keep in mind you must be PCI compliant or have an SSL certificate).

Finally, the advanced integration method (AIM) gives your brand complete control over its transactions. When the link is made to the payment gateway of your choosing, it only needs to be made once. (SSL certificates are required).

Why Do You Need A Payment Gateway?

A payment gateway examines and transfers transaction data safely for your business. For example, it sends pertinent information to an issuing bank like a credit or debit card number linked to a bank account. It also authorizes the movement of funds between your customer and your business.

If you need to improve your company’s payment processing options, eMerchantBroker.com offers unique high risk payment gateways to make sure your checkout process is flawless. EMB, the nation’s #1 high risk credit card processing company that carries an A+ rating with the BBB, is well aware of the challenges associated with high risk businesses and can best help you get the right payment gateway integration for your business.

Let us help you get a high risk merchant account today!

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Having a merchant account allows an account holder to take advantage of merchant cash advances. When a merchant is approved for an advance, the business agrees to receive a lump sum of cash in exchange for an agreed-upon percentage of future credit card sales.

Pricing varies depending on the merchant’s industry, past credit card processing history, the type of business seeking the account, average ticket sales, and average transaction volumes.

Yes, EMB works with merchants who are building their credit, as well as those who have poor credit. EMB also approves merchants that have no credit card processing history and businesses that have lost their merchant accounts due to high chargebacks.

Several factors influence a merchant’s risk level. Though only one factor likely will not get a merchant classified as high risk, a combination of these may: business size, location, and industry, credit score, credit card processing history, a industry’s reputation for excessive chargebacks, a prior history of high chargeback ratios, and whether a merchant exclusively sells online.

Virtual terminals are stationed on a merchant’s website, making it easy for customers to make a payment or purchase online. Merchants or a payment processor can easily set up virtual terminals, so online businesses can accept credit and debit card and e-check transactions.

A merchant account is a business account with an acquiring bank. Without this business account, which actually works more like a line of credit, a merchant cannot accept and process credit and debit card transactions. Businesses need a merchant account to accept major credit cards via a static point-of-sale terminal, mobile card reader, or through a virtual payment gateway.

After filling out EMB’s simple online application and submitting any necessary, requested documents, many merchants get approved within 24 and 48 hours.

EMB specializes in working with high-risk merchants. EMB works with many merchants, including but not limited to businesses in these industries: gambling and gaming, adult entertainment, nutraceuticals, vaping and e-cigarettes, electronics, tech support, travel, high-end furniture, weight loss programs, calling cards, e-books and software, and telecommunications.

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