Low Risk Merchant Account

Let’s Understand The Low-Risk Merchant

Before applying for a merchant account, you should know whether your business is considered “low-risk”. Reason being, merchants in the payment processing space categorise under low-risk, medium-risk, and high-risk. Many retail merchants have low risk, and lowered their rates by utilizing EMV (Europay, Mastercard and Visa) innovation at the point of sale to validate card-present transactions. While this innovation has helped brick-and-mortar merchants, it has also pushed more fraud to online channels.

5 Characteristics Of A Low Risk Merchant Account

In the world of payment processing, there are generally low risk merchants, medium risk merchants, and high risk merchants. Risk level is driven by several variables: industry type, processing history, country of incorporation and more. For low risk merchant accounts, your business will need to fulfil the following description:

  • You process under $20,000 every month
  • Your normal ticket measure is under $50
  • Zero to low chargeback ratio
  • You operate within a low risk industry
  • You are incorporated in a low risk country
  • We at iPayToTal offer an opportunity for real-time process
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The experience with iPay Total Ltd. is a very good experience in an overall perspective. Nice and helpful staff, a lot of support during the process of processing transactions, and also good territorial coverage are the most important positive features of this provider (although they are still working on widening of the same).

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Michał Telka
Chairman, Bluewater Corp

We at iPayTotal offer an opportunity for real-time, secure and efficient processing of payment with SSL and PCI compliant Gateway, and WooCommerce, Plugins, and API coordination with your E-commerce website so you can begin accepting payments effectively through your website.

Whether you own a restaurant, retail shop or E-commerce site, lower fees and a bump in revenues can potentially make a big difference to your net profit. It can even make the difference between profit and loss.

Low-Risk merchant accounts are generally similar in nature, offering a range of features such as Businesses with recurring Billing Cycles Credit/Debit Card, ACH and eCheck payment services 24-hour Customer Support Sophisticated Online security measures Tracking Services Offshore, Onshore and International Accounts

In order to obtain a High-Risk Merchant Account, a Medium Risk Merchant Account or a Low-risk Merchant Account, you will be required to fill in the form and necessary documentation. Thereafter you will be provided with a Merchant account that best suits the nature and requirement of your business, in resonance with the information provided by you.

Low-Risk merchant accounts are generally similar in nature, offering a range of features such as Businesses with recurring Billing Cycles Credit/Debit Card, ACH and eCheck payment services 24-hour Customer Support Sophisticated Online security measures Tracking Services Offshore, Onshore and International Accounts

In order to obtain a High-Risk Merchant Account, a Medium Risk Merchant Account or a Low-risk Merchant Account, you will be required to fill in the form and necessary documentation. Thereafter you will be provided with a Merchant account that best suits the nature and requirement of your business, in resonance with the information provided by you.