Things To Consider When Processing Payments on the Web

Dec 23, 2016

Often eCommerce merchants spend just a few minutes on online payment processing. They usually focus on the website’s design, without trying to create a web page that is easy to use.

When choosing an online payments processing service, payment relationship can be built either with a payment gateway (directly) or via an ISO or Independent Sales Organization (indirectly). Do your best to prepare your business strategy carefully:

  1. Secure a PCI Qualified Service Assessor (QSA)

The most important part of the PCI compliance process is to evaluate and study the security status through a PCI QSA (Qualified Service Assessor). Merchants typically need to retain a QSA, and they’d better secure a QSA before starting to evaluate payment processors. QSA will enable you to evaluate the security situation of a potential processor and make the right choice.

  1. Decide on Your Payment Process

Decide on whether customers should fill out payment forms on your website or on your ISO (gateway’s) website. If this doesn’t happen on your website, the process of PCI assessment will take place faster and easier.

  1. Decide on the Payment Types You Want to Accept

You may want to accept American Express, Mastercard and Visa, or maybe Discover and Diner’s Club. Also, you may consider Amazon Payments, PayPal, Apple Pay, Bitcoin, Venmo, or e-checks and ACH. Technology not only makes it easier to use traditional payment methods online, but also provides you with multiple options.

  1. Simplify the Payment Form

Ask your payment processing provider to examine their online onboard payment form. Consider payment form simplicity. Instead of asking for city, state and then zip code, ask for the zip code first. Instead of asking the type of the card and then the card number, consider asking for the card number first.

  1. No Shipping or Tax Surprises

Surprises at checkout will make you lose your customers. Calculate full shipping charges and taxes accurately. For example, the fact that you have operations in the state of your customer can influence your sales tax. This is known as nexus. When it comes to shipping costs, weight and speed play the main role in this regard, but distance can also have its influence. The delivery service used by the merchant is an important factor as well.

  1. Mobile Experience

When choosing a partner, don’t forget about mobile integration. As Tim Sloane, Payments Analyst with the Mercator Advisory Group suggests, you should think about integrating your mobile app into the web before setting your eCommerce architecture.

  1. Give Priority to Firms Specializing in Your Field

This refers to merchants specializing in this or that field, like quick-service restaurants, with their own payment specifics.

If you’re interested in opening a secure and low-cost merchant account for your online business, turn to EMB. is the top high risk processor in the US and boasts an A+ rating with the BBB.

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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