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Your business may be considered “ high-risk ,” in which case, you will not be approved for a regular merchant account with a financial institution. High-risk merchant accounts are offered for clients who may have one or more of the following characteristics:                                                                          1. Businesses vulnerable to frequent chargebacks                                                                                  A high volume of chargebacks, money refunded back to the customer without your authorization, is one of the highest problems faced by merchants. A chargeback can occur for several reasons like identity theft or a credit payment claimed not to have been authorized. These forced refunds cause a loss of profit and product, and it is not guaranteed that the customer will pay what he or she owes after a chargeback is processed.                                                                                                      Accepti

If you’re a business owner who accepts credit cards, you’ve likely heard the terms “authorization” and “capture” before. You may even know what those words mean and how they affect your business, but how much do you know about the delay between them? We’re talking about the day (or several days) between when a customer makes a credit card purchase and when the money actually appears in your account. Let’s talk some more about this very important step in the credit card process. Authorization vs. Capture. First, let’s spend some time going over a few key terms. Authorization refers to the process by which the business owner confirms that the customer actually has funds available on their card to complete the transaction. This is what’s happening in the seconds or minutes after a customer swipes their card and before they sign on the dotted line. When “Approved” flashes on the screen, the funds are earmarked for that particular business and transaction — the customer can’t spend thos

It’s hard to find quality credit card processors for high risk business types. A lot of merchant account providers will decline to process transactions for high risk businesses, which restricts the options that are accessible to hard-to-place merchants i.e. High Risk Merchant Account. Perhaps, with only a few processors to choose from, merchants can find themselves simply signing up with the first provider they stumble upon that will accept them instead of shopping around and looking for reputable, experienced processors that specialise in high risk merchant accounts. This leads to headaches down the road, as high risk merchants are especially vulnerable to charge-backs, the fund holds, excessively high rates and various other parameters. iPaytotal , in addition to having significant experience working with high risk merchants, also maintains positive reputations among merchants and is known to offer fair pricing and quality customer support. As always, the best way to ensure that

Chargebacks are there to simply protect customers against unusual transactions, but on the other hand, they have serious financial repercussions for e-commerce merchants. In many cases, chargebacks, where credit card issuers return funds to consumers who oppose a particular transaction’s authenticity, can have long-lasting effects on an e-commerce merchant’s reputation and credit score. In fact, this is not even the worse part. There is something called Charge-back Lag, where there are 45 days between the time a chargeback occurs and the date the merchant is notified. This delay generates several problems for merchants, which in turn makes it even more critical to minimize charge-backs from occurring in the first place. How the Lag in Chargeback Fees Impacts E-Commerce Businesses Chargebacks are more than a simple inconvenience. They can also affect a merchant’s short-term financial health through several ways as follows: -Fines and fees -Lost revenue and shipping costs from t

Are you looking for high risk credit card processing? or high risk merchant account instant approval? or high risk payment gateway? Are you facing problems to Open a Merchant Account ? Banks decline your request because the industry is associated with high risk? Businesses from all over the world, that comes under High-Risk Industries such as airlines, offshore processing, online reservation services etc. where the transaction takes place way before the actual delivery of the service to the end user. iPaytotal is here to you to start and grow your business on your own terms and conditions. Our customised services equip our clients with the cutting-edge tools in the armour of our existing experience and reliable solutions to get you through the Gordian Knot. Opening a High-Risk Merchant Account has never been so easy. All you need to do is register yourself with us, lean back and fold your arms behind the head. Our devoted staff will contact you and disclose the competitive prici

It’s a new era of fashion that one wants to order or book their tickets online. People don’t want to waste their time on these specific works, but still, they love to travel. The finest and perfect way to find their best deals is through online sources. Therefore, a plenty of online travel businesses, travel agencies are there on the internet. If you also fall in the same category in this competitive world, then you need to provide the best deals and services to your customers. It will help you to explore your business immensely. Perhaps, to bring your travel agency on top, you need to maintain lots of features in it, like as online booking, transaction, and other details. Thus, you need to provide an easily accessible website, so that one can easily undergo and book their deals properly. Credit and debit cards are one of the best options used by people to access online transactions. To achieve this, you need to open a high risk merchant account for your business. To deal with per

About Us iPayTotal Merchant Account Service Headquartered in Hounslow, England  iPayTotal Merchant Account Service   provides all-in-one merchant account for businesses of all size and risk. Our services include everything a High Risk or an offshore merchant needs to process and function successfully, including debit and credit card processing, check processing (ACH), payment gateways , and chargeback management services. Our proficiency & strong expertise in Web Development enables us to provide excellent services at competitive prices. iPayTotal provides end-to-end payment solutions for businesses and consumers around the globe. We know that it is not so simple to get a High Risk Merchant Account . There are only definite number of service providers that can manage the High Risk merchant account. iPayTotal is one of such provider. We know how to save time and energy of our clients by applying directly to these payment processors and increase the chances of getti