How to Accept Credit Cards on Your Website

Dec 20, 2012

How to Accept Credit Cards on My Website?

Many online business owners have been asking themselves how to accept credit cards on their websites. If you’re starting a small business or running a rapidly growing operation, this is a question you’ll need to answer if you want to be as profitable as possible. Many business owners resort to using a service like Paypal, but the fees associated with these services can be high and cut into profit margins. While that may not matter much to sellers of digital goods or information products, it can be significant if you operate on tight margins. Here’s a quick explanation of how to accept credit cards on your website in the simplest and least-expensive way possible.

Getting a Merchant Account

The best way to accept credit cards directly online is through your own merchant account. A merchant account is simply a special type of bank account that allows you to process credit card transactions.

The problem? Many traditional merchant account providers, such as big banks, put all online businesses in the ‘high risk’ category and therefore make it very difficult for them to get their own merchant accounts. So if the banks deny you, how can you go about accepting credit cards through your website?

The solution is to find a specialized high risk merchant account provider who can offer you a package that suits the unique needs of your online business.

Security Considerations

Having a merchant account on its own is only half the battle. In order to process transactions directly through a website, you also need to take security into account – otherwise your website can turn into an easy way for hackers to steal credit card information from your customers. Getting an SSL certificate for your website is highly recommended for online merchants – this is a big trust point which will help you convert more visitors into customers, as fears over the security of credit card information are a big reason for the abandonment of shopping carts before completion of purchases.

High Risk Merchant Accounts

As we mentioned, as an online merchant most traditional merchant accounts providers will automatically put you in the high risk category, offering very unflattering terms on a merchant account or even refusing you outright. In order to get around these obstacles, you’re better off dealing with a high risk merchant account specialist – but finding the right one can be easier said than done.

That’s why our service at eMerchantBroker exists – to put business owners like you in touch with the best high risk merchant account providers in the business, so you can accept credit card payments through your website and enjoy the fruits of all the work you’ve put into your business.

We’ve already done a lot of the work for you by bringing together a database of the most affordable and reliable high risk account providers across the globe. All you have to do is let us know what you’re looking for and we’ll pair you up with the providers who are best suited to your needs.


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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