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WordPress Payment Gateway

WordPress is popular among entrepreneurs and new programmers for its robust open-source framework, user-friendly nature for setup and page design and wide tool selection. While originally used as a blogging website, WordPress is now a common selection among various e-commerce businesses. As a result, new payment integrations and technologies are available for making online purchases.

 

However, owners of high-risk businesses may face difficulty in finding companies that are willing to provide merchant accounts. If you own a high-risk business, our guide will help you understand the WordPress payment gateway for high-risk businesses and how Zen Payments can enable your business to accept WordPress payments.

WordPress Payment Gateway Plugins

A WordPress plugin can give a company’s website valuable additional features. One of the most popular plugins for payment is the payment gateway plugin for WordPress and WooCommerce. If you have a high-risk business, you should know what the best payment gateway is for WordPress users.

 

The following are the current payment gateway plugins on WordPress:

  • Paysera
  • ToyyibPay
  • WPPayForm
  • WP Simple Pay
  • Contact Form 7
  • WooCommerce
  • Mollie Payments
  • WP Fluent Forms
  • Conekta Payment Gateway
  • Paystack Payment Gateway

 

When you build an e-commerce website on WordPress, you don’t have to worry about building everything from scratch because of the plugins available. For example, WooCommerce payment processing for WordPress offers multiple solutions for each payment method you want to use. Some WooCommerce payment gateway methods are free, while others require payment to be added to your site.

 

However, as a high-risk merchant, you may need another option, like Zen Payments.

WordPress Payment Gateways vs. WordPress Payment Processors

There’s a small distinction between WordPress payment gateways and payment processors, though the line has grown increasingly blurry. While business owners previously needed to choose both a payment gateway and a payment processor, also referred to as a merchant account, that’s not always necessary today.

What Are WordPress Payment Gateways?

WordPress payment gateways are third-party tools that evaluate and process customer payments. A payment gateway exists to link the processing network to the customer’s shopping cart. The parties involved in a payment gateway transaction are your website, your customer and the company through which you’ve opened your merchant account.

What Are WordPress Payment Processors?

WordPress payment processors are intermediaries responsible for processing payments in bulk. A payment processor is responsible for the following:

  • Transferring funds to business bank accounts 
  • Handling financial and personal data from your customers
  • Processing transactions by debiting customers and crediting business accounts
  • Managing risk and handling relationships between your business and the credit card companies

 

For payment gateways, the main requirement is compliance with the Payment Card Industry Data Security Standard. This means adhering to a set of standards that ensures all businesses accept, store, process and transmit credit card information securely. A payment gateway can either be direct or redirect:

  • Direct payment gateways: With a direct payment gateway, a customer can make a transaction on your website.
  • Redirect payment gateways: With a redirect payment gateway, a customer must leave your website through a redirect to complete a transaction.

Providers of Payment Gateways and Processors

In certain cases, the same company can handle your payment gateway and merchant account. Some companies may eliminate the need for payment processing, but many of them are unwilling to work with high-risk businesses. Fortunately, Zen Payments is a merchant provider that specializes in high-risk merchant services.

How to Accept Credit Card Payments on Your WordPress Website

While a beautifully designed WordPress website can do wonders for your business, it won’t accomplish much for your bottom line without a payment processing solution. If you own a high-risk business, you need a payment processing solution through WordPress plugins that will work for your company.

What Is a High-Risk Merchant Account?

At Zen Payments, we believe you should be able to secure a merchant account and process payments regardless of industry. However, some payment processing companies may label your business as high-risk if you have bad personal credit, high refund rates, high fraud chargeback rates, free trials and subscriptions or continuity programs. 

A few examples of high-risk industries for merchant accounts include:

Why Do You Need High-Risk Payment Processing?

If your business is considered high-risk, you’ll need to have a high-risk merchant account that processes payment consistently — without these services, you risk a terminated merchant account and frozen funds. Many payment processing companies, such as Square, Paypal and Stripe, deny services to businesses operating in high-risk industries.

 

In this case, a customer won’t be able to buy your product and may purchase from your competition instead, so you need to ensure you’re partnering with a company that has experience in obtaining high-risk accounts and ensuring continual processing of payments. Fortunately, at Zen Payments, we offer merchants stable high-risk accounts in all types of circumstances and industries.

Zen Payments Credit Card Processing

For more than a decade, Zen Payments has been a top provider in the nation for high-risk merchant accounts. We offer both debit and credit solutions for high-risk businesses. Our solutions integrate with any WordPress site, along with the WooCommerce platform. We can provide solutions for just about every business, regardless of whether you’re facing challenges due to your prior business history, personal past or industry.

Find Your Zen With Zen Payments

Zen Payments provides e-commerce merchant accounts for all companies — but primarily for businesses deemed high risk. Most payment services won’t entertain high-risk merchants, making it difficult to be successful. However, Zen Payments specializes in it, so you can surpass a significant barrier of entry and get your business operational, no matter your circumstances.

 

Reach out to Zen Payments to open an e-commerce merchant account today.

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