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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 e-commerce 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 e-commerce business is safe for customers to use when selecting the appropriate platform for your website. Our e-commerce merchant accounts integrate seamlessly with:

BigCommerce is one of the best platforms for e-commerce businesses that need a user-friendly, all-in-one hosting, web building and design solution. Customers enjoy the streamlined, hassle-free checkout process that saves time.

If you run a subscription-based e-commerce service, Chargebee gives your the flexibility to experiment with multiple pricing structures, product catalogs and subscription life cycles. It also works with your revenue stack to help you manage payments and sales more efficiently.

Zen Payments can also provide e-commerce merchant processing through Chargify, a leader in event-based billing solutions. Chargify is compatible with one-time, recurring, quantity-based, prepaid and usage-based scenarios.

We’re one of the best e-commerce merchant services for ClickFunnels users. This platform enables you to create sales funnels to help you convert your site’s visitors into buyers.

The GunBroker platform facilitates the online selling and purchasing of weapons. Zen Payments can provide a secure high-risk e-commerce merchant account solution for your gun-related business.

Get an ecommerce merchant account that works with your shopping cart!


One of the world’s most powerful CRMs, Konnoktive offers effective e-commerce solutions for straight sales, subscription billing, one-click upsells and much more. It’s compatible with custom-built websites or when using a site-building tool and hosting service.


The Recurly billing platform simplifies subscription management via technologically advanced automated processes. You’ll be able to grow your subscriber lists nationwide and globally while delivering superior service.


As leading a Shopify high-risk payment processor, Zen Payments can help you utilize this highly popular e-commerce platform to maximize your business’s potential and manage your day-to-day more efficiently.


WooCommerce is a WordPress-compatible open-source plugin that’s customizable and easy to install. We can provide a WooCommerce high-risk payment gateway that enables you to process customer transactions quickly and securely.


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.


Nowadays many ecommerce merchant accounts 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.


These days, virtually every business that sells products must have an easy-to-use e-commerce platform to stay competitive and meet customer demands. Whether you operate online exclusively or use e-commerce to support a brick-and-mortar operation, you can trust Zen Payments to serve your needs.


We can serve online merchant accounts in the USA and abroad for businesses in high-risk industries such as:


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!


Here at Zen Payments, we let our expertise speak for itself. We have been specializing in getting e-commerce 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.


Operating on an online e-commerce 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.


We also recognize that high-risk e-commerce businesses like yours aren’t always treated kindly by other payment processing service providers. While many of these operations won’t even consider working with companies in your industry, we welcome your business. We care about every customer, and we understand the unique challenges you face every day. You have enough on your plate with trying to fulfill your customers’ needs and grow your business. We’ll remove the burden of payment processing from your shoulders.


Do you still have questions about Zen Payments and how we can help your e-commerce business move forward? Are you still unsure if we’re the right company to support your high-risk e-commerce merchant account? We’ll be happy to provide answers and explain our services in more detail. We look forward to hearing from you!