Ecommerce Merchant Accounts

Online credit card processing solutions

We Operate With a “No Merchant Left Behind” Mentality

Ecommerce Merchant Accounts

Ecommerce merchant accounts have never been in higher demand. In 2020, 44% of all retail sales took place online. In 2017, Ecommerce only accounted for 10.9% of retail sales. This shows that the eCommerce market is growing exponentially. In order to take advantage of the growing market, you need to make sure that you find a reputable payment processing company. Not all payment processing companies are built the same. You need to find a company that fits your needs, and has a reputable history of success. Zen Payments is a pioneer of eCommerce processing, and we service multiple platforms to make sure you can process payments on any of them. It is essential to work with a Merchant Service Provider like Zen Payments that understands the CNP world to protect your business. 


When processing online payments, merchants need to take proactive steps in order to protect their clients. The first step is to make sure that that your eCommerce business is safe for customers to use is selecting the appropriate platform for your website. Our eCommerce merchant accounts integrate seamlessly with

 Big Commerce









Once you have your platform, you will need to set up an SSL certificate. This will protect your site from 3rd party security breaches and keeps the customer’s information safe. The last step you’ll need is to make sure that you are PCI compliant. For more information, you can see the checklist here.


High Risk Ecommerce Merchant Accounts

Nowadays many eCommerce merchants are considered high risk. In other words, you will need to obtain a high risk merchant account in order to process payments for your business. This is largely due to the fact that chargebacks are an inherent risk anytime card not present transactions take place. Card not present or CNP transactions become high risk due to the increase in fraud, and chargebacks. In the event that your business keeps growing, the risk of chargebacks continues to rise. This is why you need to make sure that you have a merchant services company that is able to constantly deliver. If your chargebacks exceed a certain threshold, you may be at risk to have your funds frozen, and your merchant account terminated. The last thing you want to worry about as a business owner is not having access to your funds.

Virtual Terminal Services

Don’t have a website? No problem! We offer a proprietary virtual terminal that allows you to manually key in your client’s billing information. Our virtual terminal also allows you to enroll clients in recurring plans, validate AVS and CVV responses, send invoices, and generate detailed reports. This is the perfect solution for those who have already been doing business, but maybe that new website is still under construction. We want our merchants to be able to process payments without hesitation, and being able to adapt to any situation is something that makes us cutting edge. To learn more about our virtual terminals give us a call today!


Why Zen Payments for your Ecommerce Merchant Accounts

Here at Zen Payments, we let our expertise speak for itself. We have been specializing in getting eCommerce merchant accounts for hard-to-place merchants for over 15 years. Whether it’s in person or online we can find the right spot for you. We work with over 15 banks to see where you can get approved for not only the best rate but also for the merchant account that will last. Every merchant we sign on undergoes a strict underwriting process to ensure that the merchant account stays active. Our goal is to help your business grow and succeed while being there for you every step of the way

Your Business Matters

Operating on an online eCommerce business often means that your business is classified as high risk. Luckily for you, that is our specialty! High risk doesn’t mean that you shouldn’t be getting the support that you need. It means that you need to find the right payment processing company with experience of getting you where you want to go. Let us help you succeed in taking all forms of payment today.

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