The High Risk Merchant Account
It’s highly important for every merchant with a special high risk e-commerce activity to choose a super performance secure payment solution, easy to use and that meets the requirements of the official financial institutions. This high risk merchant account is an e-commerce payment gateway for processing most of the credit cards in major currencies. We are consulting and administrative intermediary which helps merchants to apply for such high risk merchant account and to comply to all relevant requirements.
- Features of High Risk Merchant Account
- Administration website office
- Payment processing methods
- Dynamic return of data
- Production and test modes
Features of High Risk Merchant Account
- Simplicity of payment processing for customers
- Payments in two clicks
- Encryption integrated
- Anti-fraud scoring system
- 3D security available
- PCI/DSS compliant
- User friendly administration website
- Multi-account and multi-user
- Dynamic team present in several countries
This high risk merchant account is a multi-currency, multi-card, and multi-lingual solution: The high risk merchant account solution allows the processing of most credit cards in the most frequently used currencies. It also offers the possibility of installing different methods of payments on-line on the same site through a unique license.
Administration website office
A friendly and complete administration website quality is the most significant criterion to be observed when selecting a secure payment solution. It is this interface that the merchant will use daily to receive, update and manage his orders economically and securely. Today, the administration office of this high risk merchant account is the most user-friendly and easiest to use. The merchant accesses his management interfaces for all his accounts with a common login and password, allowing him to track the various currencies or shops in his separate branches, at one glance.
Features:
Unique access for different merchant sub-accounts operating under the same legal entity
The main administrator is able to create sub-user with individual login and password with restricted access.
Account administration: for general information, financial conditions and all the information concerning the merchant e-commerce activity.
Managing transactions: for all daily operations.
Payment processing methods
Direct transactions from the Internet
This payment method allows the client’s credit card to be debited immediately after its validity and the relevant bank account funds have been checked. Authorization is given by banks in real time.
All transactions are visible immediately in the merchant's history of sales. The merchant and the client are informed by processing company about the acceptance of the transaction.
The security system is informed when a transaction has been refused by the Credit Card Group or when there has been a fraud attempt.
Subscriptions
Payments for an Internet service, cable television, a monthly subscription to a newspaper or membership of a club are some examples of how this package can be used. With high risk merchant account, it is possible to offer a trial period with a lower first installment. On the same site, it is very easy to offer several subscription packages.
For the merchant each charge is considered as a sole transaction with an automatic renewal according to the package defined by the merchant in his administration control panel.
The subscriptions’ setting allows creating a mini-catalog with the different types of subscriptions, with different periodicity (one up to six month selection into a rolling list) and amount. Each payment is processed as a classical transaction and is included individually in the sales history. Each debit generates an e-mail to the client and to the merchant. All subscribers can be deleted or managed in the corresponding interface.
Payments by installment
The installment payments function allows the merchant to cash the first payment. The payment of the balance is fully automatic, with no intervention required from the merchant. The setting-up of installment payments, allows the creation of a mini-catalog of all installment payments:
An amount shared in 2 to 4 payments of the same amount over a period of 4 months.
A first payment and the balance to be paid on a date indicated by the merchant.
Each payment is processed as a classical transaction and is included individually in the sales history. Each debit generates an e-mail to the client and to the merchant.
Phone, letter or fax orders
For small web-based e-commerce companies, for processing phone or mail-orders, or even for traditional merchants (shop, hotel, restaurant, agency...), there is also the possibility of accessing secure electronic payments from the administration office, which provides access to a web page so that credit cards can be entered directly and a mini catalog created for the most frequently items affected by this payment method.
E-mail payment
After the client has accepted a quote, the merchant enters the clients’ information and the amount into the administration database. The client receives an e-mail with a link to the payment page where he must enter his credit card confidential information.
Dynamic return of data
For every transaction accepted or refused, the processing gateway provides a dynamic return which can be used to update a database (invoice, delivery, or other informations) or to deliver an online service.
Production and test modes
If the merchant wishes to stop temporarily the online payments, he can whenever he wants, switch his account to the test mode, preventing the surfers to make any transaction on his website. However the subscriptions and the installment payment won’t be concerned. It will be the merchant decision to cancel the subscriptions in the "subscription" section of his administrative office.
