Solutions

Payment processing solutions automate the complex steps of completing an electronic transaction, from authorization (from the issuer’s bank) to authentication (to prevent fraud) to clearing and settlement (so you get paid!). PCS high risk merchant payment processing solutions are robust, scalable, intuitive and efficient.

U.S. payment processors routinely turn away businesses with questionable credit or those operating in industries with elevated risk. Companies in this category must rely on less convenient payment options such as wire transfers, but with a high risk merchant account, you can begin processing domestic credit cards — in addition to eCheck and ACH payments — now.

If your account has been closed, PCS will analyze what exactly caused the closure, what options you have going forward and how to prevent the problem from occurring again. Common drivers of account closure are unacceptably high chargebacks and credit worthiness, but any number of other issues can contribute or be the cause.

PCS providers offer fraud prevention software, with multiple options for merchants based on transaction volume, sensitivity of data, geographic market and other factors. For high risk merchants, locking down data is a critical step in reducing chargebacks and preventing account closure.

Chargebacks in excess of 1% begin to move domestic merchants into the moderate- or high risk category. If your business is in this situation or heading there, please contact us for assistance before your ability to process transactions is restricted or even terminated. We will provide reliable corrective guidance to reduce chargebacks, and many of our providers offer chargeback mitigation services.

If your company has bad credit or has not yet established credit, PCS helps you take the necessary steps to secure a merchant account. Since every bad credit situation is different, there are no “cookie cutter” formulas for overcoming application hurdles — which is why our guidance, based on years of experience with high risk merchants across virtually every industry, is highly reliable.

If your business has been put on the MATCH list, or TMF File, PCS will assist you in understanding why it happened, equip you with best industry practices for preventing it from happening again, and if possible, help you establish another merchant account. Creating a new merchant account after being put on MATCH may seem next to impossible, but there are options, such as an offshore account, that may well be feasible.