About High Risk Merchant Account And How You Can Manage Them

A high-risk merchant account isn’t easy. For starters, this label comes with a negative connotation about your business, and assumes you aren’t running a reputable company with good products or services. In layman’s terms, a high risk business is one that banks and credit card processing companies consider risky. Sometimes this is because of ties to your previous businesses, and other times, it can have more to do with the industry you’re in. What’s important to understand is that this isn’t the end of the road for you.

There are many ways you can continue running your business through partnerships with high risk credit card processing companies. Typically, these companies work exclusively with high-risk merchants who aren’t able to get a traditional processing agreement. Because of this, they can often be the light at the end of the tunnel for entrepreneurs who feel they’ve exhausted their options.

Understanding The High Risk Merchant Label

To take the best steps towards being a better business, it’s important that you understand what high risk really means for you and why you were put into that category in the first place. Understanding why makes it easier for you to fix moving forward. Here are some reasons you might be labeled as high-risk:

Too Many Chargebacks: A chargeback is when a bank initiates a refund on behalf of their customer after a complaint. A customer might complain if they’ve never received their product, have an issue with their product, or believe a business falsely represented what they offered.

Low Credit Score: As with any type of business or government agreement, your credit score matters. A credit score that’s too low will raise red flags for banks and processing companies. You may be able to circumvent this with a cosigner who has a high credit score.

New Market: If your business is in a new or evolving industry, you may have trouble getting approved for credit card processing. The cannabis industry is a good example of this.

New to Payment Processing: If you don’t have a payment processing history, credit card processors may opt to hold back until you do. This type of high-risk label can be alleviated with a steady track record. Once you’ve deemed yourself reliable with a high-risk processor, you can re-negotiate or move on to a standard processor.

“Risky” Market: Being relegated to the high risk merchant categories sometimes happens only because of the industry you’re in. Adult services and travel businesses are examples of industries that credit card processors deem risky, even if you have a solid track record when it comes to personal credit and business credit.

Managing The High Risk Label

The first thing to understand is that this isn’t a lifetime label. Don’t worry; rather than consider this a blockade, just think of it as having to undergo a few extra steps before you can start working with traditional processors. The key is successfully managing your business and proving your reliability.

To do this, you have to be careful that there are no chargebacks, which is the most telling sign of a high-risk merchant. High risk merchants have to work a little harder than the average business owner to avoid issues that are common to any entrepreneur, but look bad on an already-labeled business.

One way to avoid chargebacks to provide exceptional customer service. You’d be surprised at the level of patience a customer can have if they communicate openly and honestly. Inaction from the business is a major reason many customers contact their backs to cancel a charge. When that customer can speak with a human regarding their product order or service, they’re less likely to take any actions that harm your business.

Keep customers updated on what’s happening in your business. For example, let’s say you own an eCommerce business that hand knits clothing and blankets. You put out a few Facebook and Instagram advertisements and suddenly, hundreds of orders are placed and you don’t have the product to fulfill it.

Why Businesses Get Denied a Credit Card Processing Application

When you apply for credit card Processing, you have no idea whether your application will be accepted or denied. The details about the decision of not issuing a credit card processing you have applied for reaches you through the mail, in which the details about the decision is given more precisely.

Let’s now discuss various possible reasons for declination of application for credit card processing :

Age: Your age is another factor for the denial of your request. If you are under 18, the issuer will not accept your request, as it is not the legal age.Your age is another factor for the denial of your request. If you are under 18, the issuer will not accept your request, as it is not the legal age.

Incomplete application form: If you have not filled the application form completely or correctly, your application will be declined. So it is better to apply for credit card processing online as it will not submit your request until and unless all the fields are properly filled.

Loan balance: If you want to apply for credit card processing, make sure that you pay your loan balance regularly if any. When you apply for credit card processing, your credit history is checked and if it is negative, the bank or the processor will hesitate to accept your request to avoid risk.

Healthy credit balance: It is good practice to keep your credit balance healthy. In other words, you should only use a portion of the credit available instead of using it to the fullest. Healthier the credit card score more are the chances of approval.

Inquiries on credit report: It is advisable not to apply for many credit cards or credit cards processing, especially in short span of time; this may lead to declining of application. Lesser is your credit inquiries; better are the chances of getting your next approval when you would apply.

Low income: Very common factor of declination of application is income of the applicant. Minimum income required for application varies by Banks and Processor, and if the applicant fails to match the minimum income requirement (although this requirement is not published), his/her application can get denied. So before applying for credit card processing, get an idea about minimum income required.

Negative Processing History: Another reason for credit card application denial can be the number of credit cards processing account used by the applicant that have negative Statement. If there are accounts closed due to high Chargeback it can cause a problem in getting approval for a credit card processing.

TMF or Matchlist: If you are placed on Match list or identified as a TMF merchant it would be a big reason for not getting approval for your Credit Card Processing Account.

Don’t fulfill minimum requirement: your request will be declined if you do not fulfill minimum requirement like you don’t have an SSL secure and PCI compliant website. Or you have been suspended by any card brand processor, or any Data compromise investigations was there for you and your business.

As a conclusion, you need to make Sure before applying for a credit card processing and get prepared, you choose a payment service or merchant service provider who can proactively help you with this.

For More Information Please Visit www.merchantstronghold.com, or mail us at info@merchantstronghold.com

Lets Understand The High Risk Merchant And Merchant Processing

When Business is established and applies for a payment gateway at the Bank, they get approved or disapproved from the risk departments considering the business to be high risk business or Low risk business. There are few reasons why any business can be considered as a high risk business. Some of the risk factors that make a business HIGH RISK are as follow :

• You have lost your previous merchant account due to high chargeback ratio.
• Questionable sales and marketing tactics
• Potential legal and financial liability
• Your credit is really bad.
• An industry is known for excessive chargebacks or fraud incidents
• Trial continuity business
• Previous credit card processing is not good enough
• You’ve been branded as a terminated merchant (TMF).

It is important to note, that this high risk merchant account categorization is based on your business’ industry, regardless of your individual businesses’ track record. Additionally, the high risk category includes businesses who have been dropped by a previous credit card processor, businesses that are on the MATCH or TMF list, companies whose owners have bad personal credit or low credit scores, or businesses who are based outside the US.

Common High Risk Industries

While any business with bad personal or business credit scores, a high chargeback history, a startup, or high frequency or high average tickets can be considered high risk on an individual basis, the majority of high risk businesses are labeled as such by the industry they operate in.

Some examples of high risk industries include:

• Document Preparation
• Downloadable Software
• Educational Software
• Electronics Business
• Extended Warranties
• Financial Aid Consulting
• Financial Services
• Fine & Cosmetic Jewelry
• Insurance Providers
• Magazine Subscriptions
• Air & Water Filtration
• Antiques & Collectables
• Apparel Sales
• Auto Parts & Accessories
• Auto Transport
• Businesses with Bad Credit
• Beer, Wine & Liquor Sales
• Computer Hardware
• Debt Consolidation
• Discount Buying Service

Build the Perfect Online Business with these 6 Tips In USA

Virtual market is growing bigger and bigger every day. Most of the population relies on the Internet to shop or get things done. From sending an e-mail to banking, shopping, purchasing services and packages, everything can be done in few clicks. This brings a lot of opportunities for new entrepreneurs, but to make the best use of this opportunity you have to follow the right track. There are few points that one should consider before starting an online business. These are:

Focus on Local market: You should not avoid small steps to achieve big goals. Instead of trying to reach the global market and providing everything, study local market, gather knowledge about demand and customer’s taste, and offer them something unique or different from your competitors. If you want to capture the market you should have something unique to offer, but before going further do check out copyright infringements.

Logistics: The product you choose at the initial stage of your online business, matters the most. You should be very cautious about it. The product should be:

• Non-fragile (it will end up in pile of damaged returns)
• Easy to make (so that it takes minimum time)
• Low making charges (so that you do not end up in investing huge amount)
• Should be easy to ship (should not be heavy or too big, as it will cost more).

It is not easy to manage supply chain and fulfillment of orders at the initial stage of business, but as you gain more and more experience you can try your hands on the variety of products. So it is advisable to start small and get adventurous later.Don’t opt for any popular product because someone is definitely providing the best of it and has probably already captured the market. It is rather a better idea to specialize in just one specific product and make a place in the market.

Understand your customer: Choice of the product as per the customer’s requirement is very important. Always focus on impulse buys and make sure you give satisfactory service to your customer because a happy customer always returns. Better the experience, more the chances of the customer coming back again and again. Once you have a good number of repeat customers, it is the right time to introduce a new product into the market.

Adding value to your product: Customers always like if they get something extra. If you provide extra service along with your product, it will not only help you retain your customer for a lifetime but also help you earn more customers. For example, if you are selling camera only, give offers like photography classes; which will be an add-on to your product and will also help in increasing sales. Similarly, if you are selling books on learning the particular language, start language classes as an add-on. These kinds of offers attract the attention of customers and might create customers for a lifetime.

Comfortable buying experience: If your experience is good, it is quite possible that you will visit again. It is very important that your process of making payment is simple and easy. It is advisable to provide a variety of payment options to the customer so that he/she can choose the method with which he/she is comfortable. If you do not provide payment options according to the customer’s choice, you might end up in losing the customer. It is very important to make the customer comfortable with the purchasing and payment method. For creating a smooth online shopping, it is important to work with a payment partner who provides you with features and services you want and in terms and conditions that are comfortable for both the parties.

Internet security: For an e-commerce website, it is important to take extra measures on Internet security as there are thousands of prying eyes looking for an opportunity to hack and misuse data or information. Customers are well aware of security threats and are quite cautious about making purchases online. Purchasing products or services online means that you are sharing your sensitive information like credit card processing number, address, phone number etc.; and if this information falls in the wrong hands, it will not only affect the customer but also hamper the reputation of your business. So it is important to take special measures to provide Internet security and make the website, and the payment process safe.

Build the Perfect Online High Risk Business with these 6 Tips

Virtual market is growing bigger and bigger every day. Most of the population relies on the Internet to shop or get things done. From sending an e-mail to banking, shopping, purchasing services and packages, everything can be done in few clicks. This brings a lot of opportunities for new entrepreneurs, but to make the best use of this opportunity you have to follow the right track. There are few points that one should consider before starting an online business. These are:

Focus on Local market: You should not avoid small steps to achieve big goals. Instead of trying to reach the global market and providing everything, study local market, gather knowledge about demand and customer’s taste, and offer them something unique or different from your competitors. If you want to capture the market you should have something unique to offer, but before going further do check out copyright infringements.

Logistics: The product you choose at the initial stage of your online business, matters the most. You should be very cautious about it. The product should be:

• Non-fragile (it will end up in pile of damaged returns)
  
  
• Easy to make (so that it takes minimum time)
  
  
• Low making charges (so that you do not end up in investing huge amount)
  
  
• Should be easy to ship (should not be heavy or too big, as it will cost more)

It is not easy to manage supply chain and fulfillment of orders at the initial stage of business, but as you gain more and more experience you can try your hands on the variety of products. So it is advisable to start small and get adventurous later.Don’t opt for any popular product because someone is definitely providing the best of it and has probably already captured the market. It is rather a better idea to specialize in just one specific product and make a place in the market.

Understand your customer: Choice of the product as per the customer’s requirement is very important. Always focus on impulse buys and make sure you give satisfactory service to your customer because a happy customer always returns. Better the experience, more the chances of the customer coming back again and again. Once you have a good number of repeat customers, it is the right time to introduce a new product into the market.

Adding value to your product: Customers always like if they get something extra. If you provide extra service along with your product, it will not only help you retain your customer for a lifetime but also help you earn more customers. For example, if you are selling camera only, give offers like photography classes; which will be an add-on to your product and will also help in increasing sales. Similarly, if you are selling books on learning the particular language, start language classes as an add-on. These kinds of offers attract the attention of customers and might create customers for a lifetime.

Comfortable buying experience: If your experience is good, it is quite possible that you will visit again. It is very important that your process of making payment is simple and easy. It is advisable to provide a variety of payment options to the customer so that he/she can choose the method with which he/she is comfortable. If you do not provide payment options according to the customer’s choice, you might end up in losing the customer. It is very important to make the customer comfortable with the purchasing and payment method. For creating a smooth online shopping, it is important to work with a payment partner who provides you with features and services you want and in terms and conditions that are comfortable for both the parties.

Internet security: For an e-commerce website, it is important to take extra measures on Internet security as there are thousands of prying eyes looking for an opportunity to hack and misuse data or information. Customers are well aware of security threats and are quite cautious about making purchases online. Purchasing products or services online means that you are sharing your sensitive information like credit card processing number, address, phone number etc.; and if this information falls in the wrong hands, it will not only affect the customer but also hamper the reputation of your business. So it is important to take special measures to provide Internet security and make the website, and the payment process safe.

The Startup Survival Guide: 6 Tips For New Entrepreneurs

Today’s world is a competitive world and everyone is looking for quick success. We normally look towards people who have achieved the certain milestone or are successful and try to follow their footstep. It has become a sort of fashion to read about successful people, adopt their principles and go as per to their opinion. It is always good to learn from others but your individual idea, vision, business goal, and principle are equally important. There are quite a good number of people out there in the world who can give you advice, teach you about business but until and unless you have a vision and ideas of your own, you will be lost in the mob.

Here are a few steps that every new entrepreneur should keep in mind in order to survive in this highly competitive world: –

Give your own meaning to success

It is important to get guidelines and inspiration from those who have achieved success, but it is not advisable to follow them blindly. It is not a good idea to spend much of your time in reading about successful people rather that time can be utilized in making plans and implementing them practically. Every entrepreneur has his own vision (where you want to see your High-Risk business), goals and principles (which he/she has set for his/her business) and most importantly the reason and motive behind the business, and these are the foundations of any business.Your idea, your success, your way.

Unique value/selling proposition (USP)

Due to intense competition in the market, it is important to set your business or product, unlike the rest.

To get a competitive advantage, you must have a unique selling proposition, which will boost your business and help you achieve your goal. You must keep in mind that your USP can be anything but price. It can be your location, time taken for delivery, a vast range of products, etc. As a business owner, you would not like the label cheap or low quality, because to which your USP should not be the price. Despite the bad reputation, pricing will also decrease your profit. Apart from being affordable, you should provide a good reason to the customers to return to you.

Your target market

Before setting up a new business, it is very important for every new entrepreneur to study the market. It is important to know the demand, advantage and disadvantage, and most importantly the buyer and their expectation from the product or business you want to start. Complete knowledge about the market will help you a lot to make plans and any necessary changes if required. That is why most of the entrepreneurs- new or old, like to conduct market research. Market research is not an expensive technique and it gives a broader picture of the market and will help in finding the real problem if any.

LLC or corporation

It is advisable to be a sole proprietor and use DBA (Doing Business As) name; this will make your business official. The extra step which is worth taking is to form an LLC or corporation because when you opt for DBA and you have a small business, a big portion of your profit will go in taxation. Instead, that amount can be used for expansion of your business or product range. So LLC is a great option, of course, it will be a little expensive as well as complicated but will help save much more in near future.

Mentor and advice

When you talk to others about your idea, you will get mixed opinions, but it is always good to listen to others. Share your ideas with friends and family, see if they can guide you or make you meet with a person who can be your mentor and help you in starting your business. Value every single piece of advice/opinion, no matter from whom it is coming. You should always be open to feedback and advice when you are planning to undertake a new project. Connect to mentor programs, join any social group, which is relevant to your business idea, and interact with them. You never know you might get lucky on funding

Make a Team

It is next to impossible to do everything on your own and start a business. You need a team to support you, implement plans and help you in starting up the new venture. Opening a new business is not a piece of cake and it is not possible to have knowledge of everything and manage it all single-handedly. It is important to have a team, whom you can trust, who has the knowledge, who can help you in the areas where you don’t have the expertise, who can focus on different areas/departments and can resolve issues if any.

These are few simple survival guidelines for the new entrepreneur, which should be kept in mind before starting up a new business, and to have a great startup.

Requirements of Getting High Risk Merchant Account And Payment Gateway in USA

In this rapidly transforming world, where businesses are regularly changing their process of dealing with customers. With the development of processes, the businesses now have started accepting the payments through credit cards. Although, of all the business process up-gradation with the help of technology, that eases the maintenance of business, accepting card payments is one of the steps that makes easier for customers to pay directly through their account.

But, many times merchants who are planning to start accepting card payments have very less knowledge about what is required for the establishment of a merchant account. As there are few requirements and prerequisite for getting and maintaining a merchant account that enables the business owner to collect payments via credit cards.

Typically a merchant never directly contact a bank for the merchant account initiation that should collect the card transactions. The reason for this there is a strong need for dealing with fraudulent and error transactions that need to be handled with the guidance of professionals. For a merchant account that collects card transaction, the merchant should contact a processing company that acts as an intermediate between merchant and bank. They help the merchant to deal with the card transactions effectively and help them to get funded by the bank against the legal transactions.

For merchants in the United States, we have listed the requirements of the account application that can help them to be ready with all sorts of documents that will help them to apply with correct documents while filling the merchant account application form:

All the merchants who are based in the U.S. they need to provide the general requirements that are listed below that will help the merchant to prove that she/he is a legal resident of United States:

• Registered business name in the U.S.: The merchant account applicant must be legally incorporated in the U.S. or at least merchant registered its business with the local governance that could give them “Doing Business As” name (DBA).
  
  
• S. bank account: The merchant should have a running U.S bank account, in which the merchant will get the funds for their transfers deposited.
  
  
• The physical address of merchant: A merchant must have a physical presence that is an address of living or doing business that can be verified.

The above document will help a merchant to show their legal presence in the United States, if a merchant has the above necessary proofs, they can apply in the bank for a merchant account that can help them to collect payment through credit cards.

Now for filing the application for merchant account the documents will vary with the businesses risk volume, that is categorized with the dependence of these factors including nature of the business, monthly processing, previous processing experience, etc. Although, the basic things a merchant needs to fulfill while applying for the account is:

• Application Form: The application form that will collect the basic information of the business and applicant. The information includes physical address, Tax ID, average sales, bank account details, web address, phone number, etc. There is an advance pricing agreement that is regarding the pricing of the products.
  
  
• Business license: The applicant’s business requires any kind of permit before being sold; the applicant needs to provide the appropriate license copy at the time of application.
  
  
• Incorporation proofs: if the applicant claims that their business has the existence in all over the world, then there is a requirement of providing/submitting the copy of incorporation paperwork, that proves that business is illegible to collect payment from around the world.
  
  
• Voided check: The applicant needs to submit the voided check of their business bank account, with the business name pre-printed on it, this is called permanent check. If the permanent check is not available, then the merchant will need to submit a letter from the bank stating the account details and have the bank authority signature on it.
  
  
• W-9 form: This is an application form for a Federal Tax ID. It’s not possible the form can be substituted with the SS-4 form with which a merchant can obtain the Tax id.

Personal guarantee: The processor tries to be safe from the risk of debt that occurs form the fraudulent activity that is the undeniable part of card payment transaction. The personal guarantee is basically required by the privately held companies due to the nature of the business.

Other than the document, the businesses that are listed in higher risk categories need to provide these additional details about their business:

• Business financial statements: Normally the details of last years of business transactions are required.
  
  
• Personal financial statements: Again the details of last two years of personal account details.
  
  
• Processing details: If the business has previously accepted the card payments, then at least of last three month of processing of payment details needs to be shared with the processor.

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High Risk Merchant Services Provide Off Page SEO

Off Page SEO

Off-page, SEO refers to techniques that can be used to improve the position of a website in the search engine results page (SERPs). Many people associate off-page SEO with link building but it is not only that. In general, off Page SEO has to do with promotion methods – beyond website design –for the purpose of ranking a website higher in the search results

Benefits of ‘off-site SEO’ to Website

Increase in rankings – The website will rank higher in the SERPs and this also means more traffic.

Increase in PageRank – Page rank is a number between 0 and 10 which indicates the importance of a website in the eyes of Google. It is the system invented by Larry Page and Sergey Brin (Google founders) and one of the reasons that Google was so successful in showing the most relevant results to the searcher.  Page rank today is only one out of the 250 factors that Google is using to rank websites.

More exposure – Higher rankings also means greater exposure because when a website ranks in the top positions: it gets more links, more visits, and more social media mentions. It’s like a never-ending sequence of events where one thing leads to another and then to another etc.

On- page SEO, Off-page SEO refers to activities you can perform outside the boundaries of your website. The most important are:

• Link Building
• Social Media Marketing
• Social bookmarking
  

Online Best High Risk Merchant Account For Financials Institution

Merchant Stronghold helps give a competitive edge to financial institutions. We harness relationships to help you meet continued demands for new customers, new deposits and new sources of revenue. We know how important attracting profitable customers and maintaining long-term relationships are to your financial institution.

Become a Partner

As competition and Federal Regulations continue to erode margins on traditional banking products, few financial institutions have fully tapped the potential that resides in your market for merchant acquiring services. Merchant Stronghold can become your ally in offering the latest in merchant processing programs to your business and commercial customers. This partner program provides a sales force dedicated to your institution, to help leverage your brand name and market presence, effort to attract and retain new customers and increase profitability.

Our Goal is to help your financial Institution to every day, that includes customer service, terminal help desk, marketing materials, equipment deployment and programming, merchant training and activation, online transaction information, referral updates and reporting and allowing you to focus on core banking products and services.

Partner Benefits:

• Increase earnings from ongoing revenues
• Grow deposits by capitalizing on strong brand recognition and branch distribution system
• Reduce cost through Merchant Stronghold sales proficiency, experience and economies of scale—Merchant Stronghold assumes expenses, merchant liability (including fraud and chargebacks) and operational responsibility for the back-office support functions (customer service, help desk, etc.)
• Create a long-term alliance that can bring best-in-class sales, service, products, branding, distribution, and pricing to your merchant business
• Access a professional, dedicated Merchant Stronghold sales force that works branch referrals and cold calls on merchants in your current markets
• Reverse cross-sales opportunities with Merchant Stronghold back to your branch staff for core bank products and services

Online Best High Risk Merchant Account For Financials Institution

Merchant Stronghold helps give a competitive edge to financial institutions. We harness relationships to help you meet continued demands for new customers, new deposits and new sources of revenue. We know how important attracting profitable customers and maintaining long-term relationships are to your financial institution.

Become a Partner

As competition and Federal Regulations continue to erode margins on traditional banking products, few financial institutions have fully tapped the potential that resides in your market for merchant acquiring services. Merchant Stronghold can become your ally in offering the latest in merchant processing programs to your business and commercial customers. This partner program provides a sales force dedicated to your institution, to help leverage your brand name and market presence, effort to attract and retain new customers and increase profitability.

Our Goal is to help your financial Institution to every day, that includes customer service, terminal help desk, marketing materials, equipment deployment and programming, merchant training and activation, online transaction information, referral updates and reporting and allowing you to focus on core banking products and services.

Partner Benefits:

• Increase earnings from ongoing revenues
• Grow deposits by capitalizing on strong brand recognition and branch distribution system
• Reduce cost through Merchant Stronghold sales proficiency, experience and economies of scale—Merchant Stronghold assumes expenses, merchant liability (including fraud and chargebacks) and operational responsibility for the back-office support functions (customer service, help desk, etc.)
• Create a long-term alliance that can bring best-in-class sales, service, products, branding, distribution, and pricing to your merchant business
• Access a professional, dedicated Merchant Stronghold sales force that works branch referrals and cold calls on merchants in your current markets
• Reverse cross-sales opportunities with Merchant Stronghold back to your branch staff for core bank products and services

Best Payment Gateway Provider in USA For Your Merchant Business

Merchant Stronghold: Best Payment Gateway Provider

Merchant Stronghold is one of the leaders in the merchant account industry. We offer payment Gateways and payment options that no one in this industry offers. Executing an agreement with merchant service provider is the first step towards accepting credit card payments. Before Opening a merchant account, you should know which account is best for your business. If you choose the right account, it will solve many of your problems and increase profit margin.

Reliable Merchant Account Services

There aren’t many merchant account providers who understand the worries of business owners. Every business has a size, some are small and others may be big industries. Keeping these facts in consideration, we provide a solution that best fits your business needs. Our payment gateway can accept any card and electronic checks.

We have more than one solution for your business. Those merchants who want to utilize mobile payments, our system can help you to accept payment from any android or apple smartphones too. All you need is our help, we will equip your business with modern gateways that will accept payments from everywhere in the world.

Merchant Account Pricing

You will find our pricing very competitive. You can take benefit of our affordable rates for MasterCard and Visa. We offer a range of products and services that are tailored to a number of businesses. Either it is fraud management, Education, or PCI compliance support, we can integrate our payment system with your business. We are providing our expert services to many businesses, and our merchant accounts are processing thousands of transactions on a regular basis.

24/7 Merchant Support

We offer services that are personalized for your business. To get started, our customer support experts work closely with you so that you can choose the best merchant service and payment method for your business. You can ask questions to our customer support team, they will help you with chargebacks and other issues 24/7. We will make sure that you understand everything related to your merchant account.

You may already be familiar with merchant accounts and accept credit cards. But if you have just started your e-commerce business, you probably need a gateway that is suitable for the business. There is a profit different between the business centered gateway and any payment gateway.

We have powerful products and premium services. You can get your merchant account to control costs and boost your business towards success. We are sure that story of your success will start by integrating modern merchant account with your E-commerce site.

High Risk Merchant Services For Courier Services Businesses [MCC 4215]

Courier business is not new, it has been there for hundreds of years. At first, it was simpler, but modern methods have changed it completely. Not long ago, delivery or courier services had to do transactions in the office; waiting for checks to clear and taking payments was a bigger task than delivering products. Merchant Stronghold is making business easier for courier services all over the globe. Using mobile, secure and reliable payment gateways, businesses don’t have to worry about lengthy payment processes anymore.Mobile, Secure and Reliable Merchant Services for MCC 4215 – Courier ServicesUsing Merchant Stronghold‘s credit card processing services, Courier services business can accept credit cards at the time of delivery or/and even before delivering of the product and/or services.

We offer the mobile solution so that customers can do transactions via their smartphones. Virtual Terminal is also provided to businesses so they can even host the gateway on their website. If businesses have customers who call in or want to make a purchase of emails; Transactions can be made via Merchant Stronghold’s gateway. Our applications are focused on secure processing with low fees. Our services include:

● Lowest Set up fee is the industry

● Interchange plus 2.95% rates

● Monthly fees are negligible

● Daily Funds Settlement

● No Additional hardware necessary

You don’t have to sign up for a custom merchant account, every account is customized for clients. You will get multiple benefits such a mobile app support, flat transaction fees for credit cards and debit cards, and much more. Our accounts are scalable, you can add multiple accounts in a single account. Each individual working on your E-commerce site will own an account linked to main account.

Why choose Merchant Stronghold?

We are a “business-centered” services provider that specializes in customized merchant accounts. Every business has unique requirements, not all courier services are same. We listen to client’s requirement and delivery merchant services that push the business towards success.

Merchant Stronghold can assist all type of businesses, we integrating new methods in our old system, & design everything from the scratch. We welcome businesses under MCC 4215 (Courier Services –Air and Ground) to new and interesting opportunities.

Get started!

You can make your business friendlier by using Merchant Stronghold’s payment options. We offer full electronic payment systems that accept MasterCard, American Express, Discover, and Visa card brands issued credit cards. If any issue arises on your end, we will deal with it. Our experts will work closely with you and your bank to minimize risk for you and your business.

It is not difficult to get approved as long as you are a legitimate business. You can also sign up for any merchant service. Our payment gateways also include automatic billing option for submitting recurring information. Once all the information is submitted, payment will repeat on selected dates. Merchants can choose monthly, the semi-annual or annual schedule for recurring.

Direct Marketing Credit Card Processing For Merchant Services

Merchant Stronghold Exploring new business options like credit card processing can often be just a bit intimidating until you learn how it works. As a matter a fact, it's so simple that you’ll wonder why you waited so long to get a credit card reader and experience the benefits of using a credit card service.

Efficient Front-end Systems and Credit Card Processing Gateway to integrate with Stronghold’s gateway API and be able to provide instant successful transactions are important, especially for a Direct marketing System. Stronghold’s credit card processing gateway not only accepts payment but also compiles reports so that merchants can keep records of transactions. Many companies these days promise to deliver these efficient systems, but most of them focus on providing fancy systems rather than better security. Merchant stronghold on the other hand not only have the most secure and solid gateways available but also close all loopholes that can harm payment system of your direct marketing business.

Rather than using physical terminals, your customers can use secure online gateways for making transactions. There are many advantages; business gets daily batch reports, multi-batch reports, decline reasons, successful transactions, refunds, sorting last 30 days transactions, and much more. All these can be done using your personal or business computer. The Gateway also captures the IP Address and reports it in the system using the iSpyFraud Technology.

Online Payment Gateway

Our virtual gateways can make credit card processing money saving, which means your business pay less amount to process transactions. Merchant stronghold makes sure that every transaction is secure.  In order to provide better direct marketing gateways, we have set ourselves apart from our competition. We offer services that are tailored to your business – A glimpse of our methods:

Safe and Secure Processing: All the credit card processing transactions go through multiple secure servers means no data is stored on your business computer. This makes direct marketing processing safe and secure.

Customer Support: The first thing that any business should focus on is better customer support. Our team is available to help you deal with any payment issue. You can contact us and discuss issues and they will be resolved timely so that your direct marketing business thrives.

eChecks: Gateway allows you to accept checks too! Accept Credit Cards and eChecks in the same Gateway.

Flexible Settlement Times: The business can customize or set a certain time for the transactions to be batched out and be sent out for settlement.

Multiple User Access: Our direct marketing credit card processing gateways give users multiple options. Your customers get email receipts at the time of processing. This ensures that transaction is authentic and quick. All the records are kept for future references.

ISpyFraud Technology: ISpyFraud Technology helps to monitor and capture customers IP address at the time of the transaction. Geo Locations and IP Address helps reduce online fraud and is the first choice for a direct marketing business when it comes to accepting credit cards. Don’t let your merchant face the risks of accepting payments without adequate protection. Get in touch with our to learn more about how to help your customers guard against fraudulent transactions.

If any of your transactions are face to face, then you are not providing enough options to your customers. We can offer your customers easy and reliable options that will suit their payment method. Ever transactions made through our systems will be safe and your customers will get notification of their recent transaction. What is the best part of all this? You are paying less money and getting premium credit card processing gateway.

How to sign up for getting your merchant account?

It is quick and easy! Start an online application or call one of our merchant specialists will walk you through the process. We offer various services and based on your requirement, we will provide a payment solution that will best suit your direct marketing business.

Offshore High Risk Merchant Account Is The Key To Merchant Business

You need a merchant account to succeed if you are a small business. Providing multiple payment options to your customers has proven to increases sale and offer a lot more opportunities for a Small Business.Small business credit card processing is all about the secure platform for the customers. One of the crucial steps for any business is choosing a merchant account provider. If you are running a mall then cash only approach may work, but according to research, companies may miss the sale because many customers want to do online shopping. According to the latest research in Javelin Strategy and Research, online payments methods have outplaced cash only approach.

Credit Card Acceptance: Accept Visa, MasterCard, American Express and Discover

These days only a few people carry cash, rests rely on credit cards. There are only four major card brands through, Visa, MasterCard, American Express and Discover. For a small business, credit card processing is incredibly important. According to a report by the market watch, 60 percent of the points of sale transactions rely on debit or credit cards. Many studies have pointed that business owners who offer multiple payment methods are likely to succeed. By providing multiple payment methods, a company is likely to attract a large number of customers from around the globe. Credit card payment makes purchase process secure and easy for customers, and it also helps business to keep a record of sales.

Why your small business needs a merchant account?

The easiest way for small businesses to accept credit card is via merchant accounts. A merchant who wants to expand the business to reach wide audience requires a payment gateway. Merchant accounts have tools that can accept any type of card via a virtual terminal. Any business can integrate more than one payment methods on their online e-commerce site. When a merchant provider is done setting up the account, accepting credit cards becomes easier for business owners.

Merchant Stronghold is the right choice – Many merchants think that it is expensive to accept cards, but this is not always the case. Some merchant account providers such as Merchant Stronghold, A leading Payment Gateway Provider which provides competitive rates so that small businesses can succeed by offering multiple payment options to their customers.

Merchant Stronghold speaks with every small business owner to explain them everything, we also guide them to handle their merchant account. There is a variety of choices offered to merchants to make it simple and secure for their customers. Merchants can access their account via mobile and other platforms. Merchants also get 24/7 customer support to keep the business running smoothly. We use the latest technology to ensure merchants are happy and their business is safe from frauds. You can contact us and we will help drive your business to new heights.