Payment solutions for high-risk businesses

A merchant account is your agreement with an acquiring bank: it lets you accept cards and settles the money to your business bank account. A payment gateway is the software that sends each payment for approval and runs your fraud checks. You need both, and we set up both together.

You need a gateway your acquiring bank supports that handles how you bill: recurring payments, stored cards, 3D Secure and the fraud rules your industry needs. We set it up with your merchant account, so the two work together from day one.

Usually, yes. We connect to Shopify, WooCommerce, BigCommerce and other major carts. Shopify charges an extra fee of 0.2% to 2%, depending on your plan, when you use a gateway other than Shopify Payments, and BigCommerce charges one for gateways that aren't embedded in its checkout, so it's worth comparing before you switch.

Alerts from Ethoca and Verifi warn you about a dispute before it becomes a chargeback, so you can refund first. Visa RDR resolves qualifying disputes automatically, and those resolutions don't count toward Visa's VAMP ratio.

They work differently. ACH has returns instead of chargebacks, and a consumer can return an unauthorized debit up to 60 days later. Nacha limits unauthorized returns to 0.5% and all returns to 15%, so ACH needs its own monitoring.

HIPAA covers the patient data your practice handles. Card processing for payment is exempt under HIPAA section 1179, so the work is keeping diagnoses and treatment details out of payment data, receipts and descriptors, which is how we set up healthcare accounts.