We help worldwide merchants sell their products or services. We help them to acquire their direct merchant account with their own descriptor. If you are looking for an uncomplicated answer we can help you by setting up your direct merchant account with one of our partnering bank.
We enable internet and moto merchants to accept many secure payment methods directly from site or through our virtual terminal platform. We work on your behalf with the acquiring bank and have you approved. It takes 7-10 business days to have your direct merchant account setup and ready for you to start processing.
If you want to accept credit cards online in real time and open your bussiness to a global customer base we welcome your merchant account application from most industries, business types, sizes and locations with 24/7 billing support. Just fill out the application form and one of our mangers will contact you.
Required documents & Application Process
Our international cards portfolio now contains Visa, MasterCard, American Express, Diners Club International, Discover, Maestro, and JCB. Local cards accepted in our payment platform are; Maestro, Laser (Ireland), Carte Bleue (France), Dankort (Denmark), Discover (United States) and CartaSi (Italy) as well as over 40 local Chinese debit cards.
Together with card acceptance, some features have been enabled to protecting your business with best practices for this specific Card Not-Present (CNP) environment, helping you take a business decision in less than a second, including:
High Risk Merchants are specific types of businesses that have a higher than normal chargeback ratio and higher than normal risk of returns or customer sales disputes. Chargebacks of more than 1% of total monthly sales are usually considered excessive chargebacks by high-risk processors. In addition to the chargeback potential, the merchant acquiring banks consider an account a High Risk Merchant Account based on the potential for possible legal violations for selling particular types of services or products, financial liability that the bank or processor will incur for processing for the merchant or bad publicity towards the bank for accepting certain types of businesses.
How long will it take me to get a High Risk Merchant Account established and begin processing?
The length of time varies, depending on how quickly the paperwork and the supporting documents are received. Once we have all the required documentation, approval typically takes 24 – 48 hours and merchants can usually begin processing immediately. Larger or higher risk accounts can take as long as 2 weeks to become fully integrated and to begin processing at all their locations.
What is the High Risk Merchant Reserve, how much is it and how long is it held?
The reserve is a cash amount held back from your available post-clearing funds. The high risk merchant reserve generally ranges between 5% and 10% of each merchant’s approved volume or monthly sales volume. Reserve amounts are held by the merchant processor to ensure against losses due to uncollected fees, merchant fines, excessive chargebacks, etc. Reserves can be held for a minimum of 180 days under a rolling reserve feature of the high risk merchant account.
Can a start-up business get approved for an offshore merchant account?
Our high-risk acquirers approve companies for offshore merchant accounts on an individual basis. If you are a start-up business, what’s important to us is the strength of your business plan, how you expect to generate sales, supply and service your customers and the history of the principals in your business.
If our company (and ourselves) has been placed on the MATCH list, can we still be approved for a new merchant account?
It is possible. Any high-risk processor will evaluate the risks on a case-by-case basis. We work with our processors to find the best way to have your application approved on a timely basis. While we make no guarantees of merchant approval, we make every effort, using our experienced staff and resources, to get you the merchant account you need to conduct your business.
We know that individual merchants using a shared merchant account do not have individual descriptors. What does it take to obtain approval for our own merchant account and our own descriptor?
Depending on size, category and risk, merchants can obtain their own custom descriptors once their individual merchant account has been approved to accept credit cards.
Can our merchant account settle transactions in more than one currency?
Yes, multiple currency settlements are available for approved merchants.
Which merchant businesses are considered High Risk?
* Adult merchant
* Airline tickets
* Dating services
* Diet programs
* Gaming merchants
* Legal escort services
* Online computer sales
* Online auctions and debt services
* Online membership club
* MLM - MultiLevel Marketing
* Network Marketing Companies
* Replica products
* Scolarship peograms
* Stock Trading
* Travel agency accounts
* Telemarketing merchants
* Tobacco and cigarettes
If your business is not included in the above list and you would like to know if there is any industry predisposition toward high risk merchant status, please contact us.
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