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Updated by Apoorv Joshi on Nov 01, 2018
Apoorv Joshi Apoorv Joshi
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List of High Risk Credit Card Processor

Processing Includes debit and credit card processing, check processing (ACH), payment gateways, and chargeback management services.



Centenary Bank - Uganda Leading Commercial Microfinance Bank Introduces Visa Cards

Centenary Bank - Uganda Leading Commercial Microfinance Bank Introduces Visa Cards

KAMPALA, UGANDA- Centenary Bank, Uganda’s leading commercial microfinance Bank, has unveiled the new CenteVisa debit card.
This comes after the rollout of internet banking and is a step towards enhancing customer’s convenience in accessing financial services.

Centenary Bank currently serves 1.4M customers, which is a third of the country’s banking population and is running a financial inclusion drive to serve more. Such an expansion drive calls for an increase in service outlets making platforms like Visa a natural option. The Bank’s diaspora clientele and product range are also increasingly calling for more global service schemes.

The Cente Visa card is a globally accepted card that operates using Chip and Pin technology, which provides enhanced security. Customers can now enjoy the freedom of transacting anywhere in the world, wherever Visa has been enabled.

Fabian Kasi, Managing Director Centenary Bank applauded the customers for their loyalty and urged them to get their Visa cards as soon possible.

Centenary Bank, whose tagline is “Our Bank” prides itself in responding to client needs and engaging in research before onboarding a new product. According to Mr. Kasi, customers requested this service so as to be able to have more flexible payment options anywhere, anytime, in and outside the country.

The Bank’s General Manager Operations, Joseph Kimbowa added that the exercise of getting new cards is to run for a particular period to enable completion of integration with Visa. He said, “customers have up to six months to get their new Visa cards, thereafter the old magnetic stripe card shall be disabled from the system.” He added that the process for getting new cards is seamless and customers need not postpone the exercise.

“At Visa, we are keen on being part of the everyday life of our customers. With the ever-changing face of monetary transactions: cards and online dealings, customers have become more tech-savvy, decisive and particular about their overall experience while transacting. To this end, Visa’s operations in Africa are firmly based on bringing about innovative products that promote safe and convenient transactions,” said Victor Ndlovu, the Senior Director, Visa Development, Sub-Saharan Africa.

Centenary Bank continues with its strategy of reaching the unbanked. You can go to the link for more information about - VISA CARD


Some Tips You Can Use to Create High-Risk Online Business

Some Tips You Can Use to Create High-Risk Online Business

Popular products
Inform your clients about the products and services you offer and what sets them apart. This will give you a better distinction between the rests of the competition. It will also help your company to be recognized as user-friendly.

Know your target market
People will not rush to your website without attracting it. Knowing the complexity of your target market plays a crucial role in marketing your product effectively. If you have a large clientele, then you must understand their interest and their fascination. This will allow you to attract better attention.

Create a friendly and lively website
We all know that everything that is presented visually is better than just selling it by word of mouth. Therefore, it is vital that you create a website that attracts the visual wishes of your customers. Easy-to-use add-ons, easy-to-use content, maximize ad space and more. The possibilities are endless when it comes to decorating your website.

Online marketing
The best way to stay in the market is to promote products. Understand the ideas you will create to make your business recognizable in the technology-driven world. You can seek the services of the8figuredreamlifestyle as they will help you understand well on marketing your products. Traditional marketing is a thing of the past. You need the power of technology to help you achieve success online. A promotion like Search Engine Optimization (SEO), Social Media Marketing (SMM) and many more will help you increase the number of people who want to visit your website and get more traffic. Select your product and market it on popular marketing websites. And he is also promoting it on his site.
Try and failure**
It’s an old business issue, but it still works in any business. As we all know, having a company is always a matter of taking risks, but the key is to be smart in any decision you make, as it will cause your business to break or break. The online world has too many competitors and being on top is hard work.

Remember that all online businesses can start small and unrecognized, but with the right tools and the best people to train and teach you the online world language, you will thrive as much as any business person who has started small but it made it big. The power is in your hands today.


What will be the Next Steps to Exploring the Future of Credit Card Processing?

What will be the Next Steps to Exploring the Future of Credit Card Processing?

Credit cards are the future of payments. More and more people are opting for credit or debit cards as they are readily available and you can carry as much as you want with as much money as you have in your wallet.

If you take a look in most shops, you’ll find that almost all of them have credit card processing machines. It’s much easier to simply swipe your credit card, pay for the goods, and leave. This is especially true for people at the cash register and even accountants because every payment gets processed and all of that information is available at all times. Anyway, let’s see what the future of credit card processing will bring us!

Virtual Terminals

In short, virtual terminals are online POS machines. POS machines are Point-Of-Sale machines which are used to process credit card payments. Virtual terminals are programmed in such a way that they usually accept most credit and debit cards, as well as access from all web browsers. They are most often hosted on the service provider’s servers. Virtual terminals are great because they can speed up payment by a significant margin.

POS Credit Card Processing

Point-Of-Sale credit card processing has been around for a long time. However, it is constantly evolving and improving. POS works by processing credit cards and giving out invoices to customers (which isn’t always required). Even though there are various, more modern methods of processing credit cards, POS systems will most likely stay for a few more decades in the very least.

EMV Chip Readers

About 5 years ago, no credit card or debit card had an EMV chip on it. Nowadays, however, almost all major card providers are switching to EMV chips. Several security breaches are what caused this change. EMV chip cards are more secure than regular cards because of the computer chip that exists on them. EMV chip readers read these chips. You might have seen small, metal squares on new credit cards – those are the EMV chips. Before the change from magnetic strips to EMV chips is finalised, most first generation credit cards will be equipped with EMV chips and magnetic strips because EMV chip readers aren’t available everywhere yet.

Payment Gateways

Payment gateways are merchant services that an e-commerce application service provider provides to direct payment processes for online retailers, e-businesses, bricks, and clicks, etc. They are also used for authorizing credit cards. Payment gateways were particularly useful for High-Risk merchants because most banks don’t want to work with these merchants and they have to find an alternative. A high-risk payment gateway is great in this case because it offers credit card processing and authorization without having to go through the hassle of contacting a bank and requesting services.


Today Lower of Credit Card Processing Fees

Today Lower of Credit Card Processing Fees

United Thinkers, a New-York based commercial open-source Payment Management Software provider has released guidelines for merchants and payment facilitators that want to improve their current transaction processing terms.

United Thinkers published a manual, providing guidance for companies that are not satisfied by fees, that they currently pay for processing credit cards and other electronic payments. Is your company in a similar situation? Maybe, you think that your current processing arrangement is not that bad, but processing fees seem a little too high, especially if your transaction processing volume is large and growing. Or, perhaps, transaction processing fees themselves are fine, but if you add tokenization, gateway, and other fees to them, the amount looks rather significant. Possibly, having carefully analyzed your overall transaction processing-related you realize that it is much larger than you initially thought because of some hidden fees that you have just identified. If any of these statements are relevant for your case, then the guidelines are for you.

In the document United Thinkers experts describe the most frequently used strategies that their customers resort to in order to analyze and reduce their transaction processing costs. They identify the mistakes that people make and explain why many of the common strategies are inefficient. The commonly implemented intuitive strategy involves either negotiating better terms with the current processing partner or looking for a new processor that can offer better terms. However these approaches often do not result in desired savings. The guidelines explain the reasons of this phenomenon and list the disadvantages of the commonly used approaches. They provide a better framework to properly understand what your true processing cost is. The document includes useful suggestions on how you can identify all of the aspects that contribute to the cost of processing, and provide effective overall cost reduction strategies, focusing on each particular cost item.

Particularly, the guidelines authors describe the strategy of processing cost reduction through processing consolidation. United Thinkers successfully uses the strategy to improve the situation for its large-size corporate clients through implementation of UniPay Gateway technology in the already existing payment ecosystems.

"Many of the companies we are working with are not satisfied with pricing terms of their existing processing relationships. So we feel that we had to do something about it. Our new processing cost reduction guidelines are based on our rich experience of helping clients to establish successful processing relationships. They allow the readers to address the issue of processing cost reduction in a broader and smarter way," says United Thinkers president, Eugene Kipnis. "The key to actual savings is not necessarily the reduction of processing cost itself. Sometimes it might be beneficial to take a closer look at other cost items, such as indirect or opportunity costs.


Visa Process Smoother and Faster for Entrepreneurs

Visa Process Smoother and Faster for Entrepreneurs

The new visa route, devised with Brexit in mind, is intended to make the visa process smoother and faster for entrepreneurs and was introduced by home secretary Sajid Javid this week during London Tech Week. It will be launched in Spring 2019.

“We want to do more to attract businesses to the UK and our migration system plays a key part in that,” Javid said. “This will help to ensure we continue to attract the best global talent and maintain the UK’s position as a world-leading destination for innovation and entrepreneurs.” The new start-up visa scheme will need applicants to have an endorsement from a UK university or approved UK-based business sponsor, including start-up accelerators.

The cost of the visa and any cap has not yet been decided but a Home Office spokesman said: “This visa will replace the Tier 1 (Graduate Entrepreneur) visa route, which was only open to graduates, so opening that route up to a wider pool. The cap on that was 2,000 per year and we do not expect the cap on this to be less than that.”

Antony Walker, deputy CEO, tech UK, UK’s technology trade body, said: “The new startup visas are a sensible move to encourage those with good ideas to come to the UK. However for many mid-tier and larger tech companies, there remain serious concerns around Tier 2 visas. We understand that approximately 1,000 tech workers with job offers were refused visas between December 2017 and March 2018. This is a handbrake on economic growth and needs to be urgently addressed.


Credit Card Acceptance for E-Commerce Businesses

Credit Card Acceptance for E-Commerce Businesses

The answer for “how to get the access of payment gateway and accept Visa, MasterCard, American Express and Discover” in simple words is, the business needs to establish a Merchant Account. But, this doesn’t only solution as Merchant Account, is just the service that is provided by the banks that will help to accept the electronic mode of payment. Businesses can choose between the elaborate array of collections banks from across the world have ACH, Check Processing, Credit Card Acceptance, Point of Sale System, etc.

The choice of services sometimes create a lot of confusion for business owners to choose the perfect services according to their business type and what are the exact requirements for the application of the Merchant Account. For the ease of business owners Merchant Stronghold, with their industrial experiences can help them to choose from the perfect option according to their business. For application of Merchant Account the business owners need few of the basic documents:

A letter that is specified with the details and nature of business , Fulfillment Agreements, DBAs etc
Articles of Incorporation of the business, Tax documents etc, Fictitious filings etc
Address and ID proof of the owner(s). If the physical address of the business exists the proof of that also needs to be attached with the application. Utility Bill and Passport recommended.
Personal and/or Business Bank Statements, Tax returns are important. This provides financial strength and stability to the business.

Merchant Stronghold can help businesses to establish the Merchant Account and provide a gateway terminal to accept payments across the world. One thing that comes while collecting the payment of through electronic methods is the customers have the right to dispute the transaction if they are not satisfied with the merchant’s service they directly contact to the bank for the amount that the customer paid for the product or service that leads to Chargeback. Merchant Stronghold will help businesses to fight such situations with all the legal documentations about which businesses many times are unaware.


Credit Card Terminal for your Retail Business

Credit Card Terminal for your Retail Business

Retail POS systems аrе сhаnging

If уоu run a retail buѕinеѕѕ, уоu’ll undеrѕtаnd thе nееd fоr a gооd point оf sale system. The lаѕt thing you want iѕ quеuеѕ оf сuѕtоmеrѕ wаiting imраtiеntlу in line while your ѕаlеѕ ѕtаff manually еntеr thе Dеtаilѕ оf their рurсhаѕеѕ into уоur ѕуѕtеm.

But thеrе’ѕ more to a gооd роint оf ѕаlе system than juѕt handling payments аnd rесоrding ѕаlеѕ quickly. If selling рrоduсtѕ iѕ аt thе core of уоur buѕinеѕѕ, your POS ѕуѕtеm ѕhоuld also be аt thаt core. Being able tо trасk sales, mаnаgе inventory, еmроwеr ѕtаff, idеntifу regular customers аnd get thе pricing right are a few of the things a gооd POS ѕуѕtеm ѕhоuld do.

Bеnеfit оf POS system fоr Retail business

Their mаnу rеаѕоnѕ fоr a buѕinеѕѕ tо uѕе a POS rather than a trаditiоnаl саѕh register. Thе kеу аdvаntаgеѕ of a POS аrе dеtаilеd bеlоw.

Improved Efficiency

Whilst thе POS system such as EMV enabled VеriрhоnеVX 520 offers a vаriеtу оf роѕitivеѕ tо thе buѕinеѕѕ mаnаgеr or dirесtоr, let’s first explore the advantages it оffеrѕ tо the main ѕуѕtеm uѕеr (i.е. thе еmрlоуееѕ) who wоuld bе having direct соntасt with both the ѕуѕtеm and сuѕtоmеr each dау.

Indееd, it’s fairly ѕаfе to ѕау, a POS ѕуѕtеm саn improve thе user’s соnfidеnсе in a number of wауѕ. For instance, thеу would nоt have tо ѕреnd аѕ much time mеmоrizing рrоduсt рriсеѕ, or еlѕе manually inputting vаѕt amounts of dаtе аѕ thеу wоuld on a traditional саѕh register.

Thiѕ would аllоw them tо offer bеttеr сuѕtоmеr service, which mау ultimately grant your соmраnу a more lоуаl сuѕtоmеr bаѕе, simply owing tо the fасt thе реорlе they serve hаvе spoken to a friendly, саlm, face.

Point-Of-Ѕаlе System

EMV enabled Vеriрhоnе VX 520 is tор rated роint-оf-ѕаlе system thаt iѕ flexible and роwеrful еnоugh to suit a wide range of retail buѕinеѕѕеѕ—whеthеr уоu’rе a ѕmаllеr, indереndеnt ѕhорѕ оr a larger chain like Uniqlo, Burbеrrу аnd Lululemon. Merchant Strоnghоld givеѕ its сuѕtоmеrѕ for frее, would уоu love tо get уоur fоr frее аlѕо?


How To Handle Your Credit Card Information

How To Handle Your Credit Card Information

Keep your customer’s data safe with these useful tips.

Five tips for proper handling the credit card information of your customer.

Approved Software Use

When a merchant uses POS (Point of Sale) terminal, mobile running payment processor software or swipe machine to conduct transactions, as a merchant it is your duty to make sure that your hardware, as well as software, is PCI Compliant. There are many applications and card readers available that come with security loopholes.

Genuine Service Provider

You can avail services of a reputed service provider to install credit card processing software, manage credit card processing as well as credit card storage for your business. Service provider includes:

SaaS (Web-based software)
IVR phone services

It might also include companies to which the merchant outsources payment-processing functions. Through extensive testing of these service providers, you can make sure that they are trustworthy. Qualified Security Assessor (QSA) who performs a comprehensive audit of policies, procedures and the system of the service providers does this type of testing. You can only use PCI DSS Validated service provider as a part of a contract signed.

Storage of Sensitive Information

Payment processing regulations specifically prohibit the storage of credit card security code or any data contained in the magnetic strip of a credit card. Although you may have business reasons for storing credit card information. The card security number is in place to know whether a user of the card over the phone or internet has the possession. But if the security code is stolen, this approach will not work. In the magnetic stick, which is on the backside of the credit card, track data is stored. This contains the information of the account that is otherwise don’t show on the card. This data assists with authentication and the card cannot be fake.

Encrypted Electronic Storage

For recurring payment authorization or mail order authorization, the merchant might have to store credit card number. If such sensitive data is there as paper documents, you should keep it in a secure place. If you process recurring transactions, you can also store credit card number via electronic storage.


Important Questions to ask your New Credit Card Processor

Important Questions to ask your New Credit Card Processor

You need to choose a new credit card processor. But it is not as easy as it seems, it is a big decision to make. Before making the decision, you must know it includes the fee charged and contracts. Also the customer service department and cost-effective tools available. Do the comparison, study the market and then make the final decision. Let us now discuss it further.

Structure of Fees Charged

When you select such tools, you are accused of a specific measure of the fee. Be that as it may, it is essential to know exactly what precisely those fees are, all the more generally called breakage of the fee. The truth of the matter is that high-risk merchants of the high-chance vendors have no idea about the procedure and end up paying a high amount of fee without really knowing the shrouded high markups in their valuing structure. To process the transaction, an exchange some portion of estimating structure is paid to the card issuer. Aside from this, there is an additional fee that they put on its highest point to acquire benefit. In this way, when you are applying for new credit card processor/merchant payment processor, ask for them to isolate out the exchange fee with the goal that you can have an unmistakable thought regarding how much cash they are making or charging you altogether.

Contract and Time Duration

Whenever a merchant wants to opt for a new credit card processor, he/she needs to sign a contract, which will lock you with them for certain period of time. It is important for high-risk merchants to check for options when shopping around for new processor and also to finalize the processor with shorter time duration instead of multi-year contracts. The advantage of choosing a short-term contract is:

They will work hard for your business to impress you so that you renew the contract instead of shopping for new credit card processor or merchant payment processor once the contract expires. If you end up signing a multi-year contract, you will soon be forgotten and ignored and service quality provided may deteriorate.

Customer Service Department

Efficient and knowledgeable customer service department is like icing on the cake. Get the opinion of the current customers of the credit card processor. Also, find out about their experiences with the customer service department. Look for the processor whose,

Support representatives are knowledgeable and can tackle any kind of issue if arises. Call waiting time is minimum Support representative should be able to resolve issues in the first call and in shortest time duration.

What is Customer Bolster Accessible?

At long last, don't be talked into renting a terminal, which is where customer swipes their cards to pay. Hinke says he has seen fledgling dealers rent a terminal for as much as $139 every month when obtaining one would just cost amongst $200 and $350. On the off chance that you choose to purchase. If you have any question in your mind, you can ask us. Click for more information related to Credit Card Payment


Merchant Payment Services for Cоѕmеtiс Stores

Merchant Payment Services for Cоѕmеtiс Stores

Cosmetic stores hаvе a lot оf сuѕtоmеrѕ whо соmе bасk frеԛuеntlу fоr a vаriеtу оf reasons. Mауbе thеу rаn оut of thеir fаvоritе mаkеuр, or they nееd to pick up an nеw hаir drуеr. Whatever thе саѕе mау bе, уоur buѕinеѕѕ iѕ complex аnd уоu nееd tо bаlаnсе your time effectively tо grow.

Onе thing thаt саn help уоu organize уоur business ѕо уоu can focus оn more imроrtаnt thingѕ is POS system fоr уоur соѕmеtiс stores. While аn еlесtrоniс cash drаwеr does its jоb, there iѕ so muсh mоrе you could bе getting frоm your rеgiѕtеr. Thingѕ like rероrting, dashboards, inventory mаnаgеmеnt, and purchase orders are еаѕу tо get from your Pоint оf Sаlе ѕуѕtеm, but hаrd or impossible tо gеt frоm a саѕh rеgiѕtеr.

Mеrсhаnt Stronghоld offers аll of thеѕе thingѕ аnd mоrе, fоr аn еxtrеmеlу low соѕt comparable tо a nice саѕh register. Our gоаl iѕ tо help уоu build уоur business bу giving уоu mоrе timе with customers and ѕреnding lеѕѕ dеаling with things likе rероrtѕ аnd accounting.

Orgаnizing and tracking invеntоrу for a cosmetics ѕtоrе is very сhаllеnging withоut a computerized саѕh rеgiѕtеr.Vеrifоnе VX520 роint of ѕаlе ѕуѕtеmѕ mаkеѕ it easy tо ѕеll items in packages аnd аlѕо control their еntirе invеntоrу. Our automated inventory trасking аnd рurсhаѕing offers imрrоvеd оrdеr ассurасу аnd ԛuiсk responses tо сuѕtоmеr trеndѕ.

Cоѕmеtiсѕ invеntоrу consists оf many ѕmаll itеmѕ ѕсаttеrеd throughout thе store thаt would be hаrd to kеер trасk оf. Our роint оf ѕаlе System iѕ hеrе tо help you out.


  • Cоlоur Mаtrix аvаilаblе (е.g. for liрѕtiсk, nаil polish) tо create ONE рrоduсt with multiрlе “Colour” аttributеѕ
  • Prоduсt ingrеdiеnt liѕt аvаilаblе tо ѕtоrе and print оn сuѕtоmеr receipts оr fоr rеviеw
  • Cuѕtоmеr database tracks рurсhаѕеѕ support рrоduсt rесоmmеndаtiоnѕ.
  • Pасkаgе sales аnd kitting аllоw ѕеlling рrоduсtѕ in thеmе bаѕkеtѕ.

Nоtе: Cоѕmеtiсѕ ѕhорѕ аrе expected to dо mоѕt оf thеir buѕinеѕѕ viа terminal if they nееd a рауmеnt gаtеwау оnlinе (соntасt Mеrсhаnt Strоnghоld tо knоw more about thiѕ)


How to Choose your two -card Westpac, American Express Credit Card?

While Westpac never again issues its own American Express cards, another organization with AMEX – whereby American Express issues and administrations cards bearing a Westpac logo – gives spenders another approach to continue gaining long standing customer points at higher rates than through a Visa or Mastercard alone.

The new approach gives you three decisions to make amid the application procedure: which reliability program to take (Altitude Rewards or Altitude Qantas), regardless of whether you'd like a Platinum Visa or a Black Mastercard (issued and serviced by Westpac), and whether you'd prefer a Platinum or Black AMEX issued and serviced by American Express.

You can even blend and match – so in the event that you, for the most part, intend to spend on AMEX to acquire the most elevated number of points, you might pair the American Express Westpac Altitude Black Card with the Westpac Altitude Platinum Visa, to minimize your annual fees while maximizing your AMEX points.

Choosing Rewards Program

Get things off by assigning your preference for either Altitude Qantas – where every one of the points you gain is automatically transferred to Qantas Frequent Flyer every month – or Altitude Rewards, from which points can be changed over to programs like Velocity, KrisFlyer, and Asia Miles.
Importantly, the alternative picked here applies to both your cards, so while you can combine a Platinum Visa with a Black AMEX, you can't have Altitude Qantas appended to one card and Altitude Rewards to the other, so pick wisely.

Westpac Visa/Mastercard

The hardest decision here is which reliability program to take – once you have that arranged, the rest is more clear – so at this progression, it's a decision between the Altitude Black Mastercard and the Altitude Platinum Visa, both issued and serviced by Westpac.

Choose American Express Westpac card

At last, your decision between the AMEX Westpac Altitude Black Card and the AMEX Westpac Altitude Platinum Card, both issued and serviced by American Express.
Keep in mind, you don't have to pick a similar card 'same colour' as your Visa or Mastercard – you can combine a Platinum Visa with the Black AMEX, or the Black Mastercard with a Platinum AMEX..
Simply take note of that in spite of the fact that the reliability points you gain will be joined with your other card, the American Express card itself is a separate product, with its own online banking, card statements, yearly charge, credit limit and capability rules.


Start Collecting Credit Card Payment in UK & Europe

Start Collecting Credit Card Payment in UK & Europe

Collecting payments through cards has grown as one of the essential parts of the business. As today people prefer to pay through their cards that are, purchasing product or services through their account directly.

For this, the businesses who are practicing the traditional way of business are rapidly changing their working or the start-up businesses who want to have a credit card payment accepting merchant account, needs to deal with a lot of paperwork for the approval of a merchant account that is specially dedicated to collect payments through cards.

Here we are going to discuss the merchant account requirements in the UK, Ireland and other 26 European countries. For a merchant account to be initiated for collecting card payments the businesses need to have the following documents to file applications:

The above were the perquisites that will act as the deciding factor whether the applicant is eligible to apply for the merchant account. Now, for filing the application in the bank these are the other documentation required to be submitted to the bank:

  • Applicant profile: The applicant needs to submit its profile containing Applicant’s name, address, phone number, email address, business web address (if any), Business ID and additional knowledge about the applicant if any. This will help the applicant to prove that he/she is a resident of European countries and eligible to do business in the country.
  • The article of Incorporation: This is a kind of silenced that will help the applicant to prove that the business is running incorporation and eligible for selling products in all European countries. -_ Personal banking statements_: These statements will help the applicant to prove the financial strength of the applicant as the merchant account risk management asks for this type of security proof.
  • Business banking Statements: If you need the high- risk merchant account in European countries for your existing business then you will need to provide business bank statements to show them how strong is the financial profile of your business that will help you to get the high monthly volume on the merchant account.
  • Personal guarantee: This is required when the business is from the category of high-risk industry or the volume of the business is higher, needs to provide a guarantee that can act as a security for three transactions.

If the business has used the card accepting services before they need to provide the previous 3-6 months year old transaction details that will help the bank to get the estimation of the business’ transaction and risk volume.


How to start selling the products from any eCommerce Platform?

How to start selling the products from any eCommerce Platform?

The technicalities discussed below are some of the crucial points that will decide if the customer will stay on the website and will order products or service or not:

The website should have a SSL certificate: The full form of SSL is “Secure Socket Layer”, one of the essential certificates that should be purchased and incorporated in the website. The working of the SSL is to provide a secure connection between web-browser and the website. This enables customer to share the private data that is card details or net banking password with reliability and trust while purchasing the product or services.}

The website design should be user-friendly: Now the term “User-friendly”, carries a lot of aspects about the website design. The website should not contain the flashy elements on the front page that affects the vision of the buyer on the first place and also affects the performance of the website. The website should be easy to access, that means the website should clearly show the products and services on the screen. The website should easily load on all the browsing platforms without delay.

The business vision and the policies should be in visibility: According to the observations and researches, shoppers have developed the tendency of looking to the all types of pages that defines the working of the organization. These pages include “About Us”,” Refund and return policies”, “Contact Us”, “Disclaimer”, “Sponsors and collaborations”, and any other page that specifies the working of the company. The visibility of these pages will help business to develop the satisfaction of the customers and grow effectively.

Electronic payment acceptance rules to be followed: The eCommerce website should display all the electronic payment acceptance collaboration symbols in the visibility of the user. The website should be well-developed that it should collect the authority from the buyer before deducting amount from the buyers account that is an electronic invoice that should be displayed on the website page at the time of collecting payment details, an e-mail should be sent to the buyer when the buyer places the order. These are the evidence that proves that the merchant collected the payment with buyers consent. If the product is a subscription, the amount of recurring should be mentioned specifically at each point of sale.

Payment Checkout page essentials: The websites many times don’t mention the terms and conditions related to website or product. This can lead to some kind of trouble to the business as many times customer starts to presume the things that are not mentioned. So, while collecting the payment information, the website should have the policies and tentative disclaimers regarding the product that help buyers to know what they have to take care before placing order.


Merchant Credit Card Payment Solution for Furniture Business

Merchant Credit Card Payment Solution for Furniture Business

Furniture Business needs Credit card processing Services

The home furniture business has grasped the online e-commerce world. There is new shipping/ delivering option. And there have been advancements in Merchant payment processing. This has made it probable for people to purchase their furniture online.

Merchant account for home Furniture business will permit you to process credit cards. Convey your product as you see fit.

You can transport your small furniture straightforwardly to the purchaser. Sell your products online. Allow the purchaser to get the furniture up at your store. And your clients will be able to pay with their credit cards.

Customary furniture industries are able to acquire services from conventional merchant service providers’ specialist, but banks are unwilling to coordinate with furniture business that goes online. The industry of online furniture deals has been categorized as “high risk business” by banks; this has made things very hard for those wishing to enter this business.

One of the reasons for this high-risk order is because due to high chargeback a rate that generally goes along with operating an online furniture business. In the event that furniture is If furniture is an endless supply of the item(s), it can prompt both chargebacks and disputes. In addition, the average transaction taking place for an online furniture store is different from other online businesses. All things considered, the above average high chargebacks rates, disputes, large tickets and higher volume makes banks shy away.

The fundamental issue for those intending to begin an online furniture business is the undertaking of opening a Merchant account. With banks shying away due to the high risk, it can make the circumstances complex if not impossible. Providentially, there are still safe and proficient choices out there for you.


Merchant Stronghold (MSH) is voted the #1 high risk payment gateway & Merchant Account provider in the USA/UK, specializes in high risk Merchant Account and offshore merchant account. MSH can set up your merchant account quickly with fast approval. They can provide you with the online furniture merchant account and options that best suit your needs.


PCI Compliance Fees | Merchant Stronghold

PCI Compliance Fees | Merchant Stronghold

What is PCI Compliance

PCI is the shortened version of the acronym PCI DSS, which stands for Payment Card Industry Data Security Standard. It’s a set of best practices that was developed by a group called the Payment Card Industry Security Standards Council back in 2006. The purpose of the council was to set up an industry-wide set of security standards and user input from the five major credit card companies: JCB, Visa, MasterCard, Discover and American Express.

What is PCI Compliance Fees?

The PCI stands for Payment Card Industry and the PCI Compliance charge is a non-standard charge that a merchant is needed to pay when the payment service providers ask for it. The exact reason to pay this fee is not clear. Here are some key points of the PCI Compliance Fees:

The PCI Compliance Fees is a non-standard charge, paid by the Merchant.
There are no strict rules or set of reasons around this particular charge.
There are no specific services given to merchant in the return of the fees.
These fees make the Merchant PCI Compliant.
If the merchant is not paying the PCI Compliant fees then the payment processor will ask them to pay the PCI non-compliance fees.

Now that you know about the PCI Compliance and its significance for the Merchant let’s move to understand whether it is important or not.

What happens if you do not pay your PCI Compliance Charges?
If you do not pay off your PCI Charges then you will be asked to pay the non-compliance charges. And for further disobedience, your license for the business can be terminated.

Related FAQs – Merchant Stronghold

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Mentioned above are some of the issues of our other customers. If you are also facing a hard time with the PCI Compliance charges then contact Merchant Stronghold for assistance. We give special attention to the high-risk businesses and specialize in the offshore accounts. Contact using the 24/7 email support at _or try the toll-free number +1 (888) 622 – 6875.


Credit Card Payment Processing for Apparels Stores

Credit Card Payment Processing for Apparels Stores

Payment Processor for Apparels Store

Three things that your payment processor should fulfill are:
1. Connect from anywhere
2. Connect to any payment
3. Connect via the device of your choice

It is important for the merchant to choose a payment processor that provides a comfortable payment experience to his/her customer so that you can win customers trust as well as his loyalty. It is important to understand what your requirements are while choosing a payment processor. Few “must haves” are:


Payment processor should work in favor of your business and customer, both. It should be well integrated, should reflect working of the business (how business operates), type of payment accepted and back-end system. A highly integrated system works as a lifeline for the merchant and the business.

Payment processor should be able to cop up with the growth of the business, else merchant will end up in wasting a lot of time, resources and money in the up gradation of payment processor.

There are times when things do not work as planned. Choose a payment processor provider that is by your side when needed. The provider should be available either by phone or through email or live chat whenever needed.

Painless Payment Processing Service
When we talk about payments, the first thing that a merchant would expect is a secure and uncomplicated payment processor. But it is common to come across certain complications like wrong entry, human error, duplicate authorization etc. While dealing with these issues, it is also important to take care of the data security and compliance. So choosing a payment processor that simplifies these complexities rather than increasing the mess is a highly important decision that every merchant has to take.

We at Merchant Stronghold are a leading provider of payment processing services. We have a long list of happy customers who are engaged in the apparel industry and hence, we can do the same for you! Our team understands the unique needs of various industries including clothing and they are the best professionals to meet your business needs.


Accept Multiple Currency with an Online Merchant Account

Accept Multiple Currency with an Online Merchant Account

Multi-Currency Merchant Account

Having a multi-currency merchant account can be a very easy way to increase the sales for a business from the international buyers. The Multiple Currency Merchant Account or Multi-Currency Merchant Account allows a merchant to display the prices of products and services in different currency. This means the buyers can choose the product from the list and make the payment as per their currency. This also helps Merchants to increase the revenue.

It is very much required to have a multi-currency merchant account to accept the payment as the world is becoming a single marketplace. In order to sell products and services to global buyers, US sites are on the top till now. We at Merchant Stronghold offers the Merchant Accounts for your businesses as well as the 24/7 services. In case of any issues or queries related to the account setup or other technical glitch, you can visit us at


Increase In Sales: As a Merchant, if you display the prices in different currency then it help in increasing the sales globally.
Higher Conversion Rate: While shopping from a website a buyer does not need to focus on converting the price into local currency. The only focus should be on buying product or services and making payment in their local currency. Using Multiple Currency Account gives you the higher conversion rate of shoppers to buyers.
Reduced Chargebacks: Transparency in currency makes it easier for the buyers to make a purchase, which in turn reduces the chargebacks. Also, a reduction in other service queries from the buyers, as Merchant showcases that they care about the buyer’s shopping experience.
Enhanced Buyer’s Trust: As buyer becomes more comfortable in buying any product or services in their local currency. So this builds the buyer’s trust or enhances their loyalty towards the merchant.
Reduction In Expenses: Using Multiple Currency Merchant Account reduces the processing fees or expenses. Also, lowers the foreign exchange risk.
Competitive Advantages: Multiple Currency Merchant Account gives you the provision of being top of the competitors as well as, makes your customers visit again and purchase more from your site.

In order to resolve these queries, you may directly contact Merchant Stronghold Support. You may also visit us at for the further assistance. Also, we assist you in getting a merchant account for your online business with the 24/7 support. So, there will be no need to manage your merchant account on your own as our experts will do the job for you. For more details visit