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About Us

Here at E-Commerce 4 Internet Marketers, our goal is to make it easier for you to sell on the internet. We specialize in helping business owners just like you accept credit cards and reduce fraud. With over a decade of experience, we’ve helped many e-commerce businesses and made a lot of friends.

Based in Scarborough, Maine and founded by Alex Roy, whose deep background in technology and marketing gives our company a unique perspective and skillset, our services include:

Check out our testimonials to see what others have to say about our services. Please also keep an eye on the site for free advice and helpful tools we like to recommend.

Contact E-Commerce Today

If you’ve been turned down for merchant services in the past, are finding it difficult to sort through your options, or simply need a partner you can trust to look out for your best interests, we promise to be here for you every step of the way. Contact us here, or give us a call today to find out more about how to get started at 1-800-570-1347.

How We Work

We know that finding a merchant service provider that’s right for your business can be challenging. But that doesn’t mean it should be. Our goal is to help internet marketers find a partner who can help their business thrive and to do so as quickly and as painlessly as possible.

We focus exclusively on merchant accounts and chargeback mitigation. We serve businesses in the coaching, online education, mastermind course, and event ticket industries with an emphasis on those businesses that sell online using Shopify, Wix, WooCommerce, and ClickFunnels.

We do everything we can to streamline and simplify the process from the very first time you contact us. Here’s a taste of what you can expect when you partner with us:

Fast Response Time

We know that payment processing is the foundation upon which your business is built, and because of this, time is of the essence. We respond to each inquiry we receive as promptly as possible. We often reply within an hour or two – and always within 24 hours – so you can keep your business on track.

Simple Qualification Process

Unlike many companies, we don’t require a small library of information about your business to get started. Our pre-qualification process consists of a simple pre-app form to gather some basic information about your business. If necessary, we ask for easy easily-accessible documents such as bank statements, and prior processing.

Cooperative Decision Making

We walk you through your options and explain the pros and cons of any processor’s program. We’ll also help you gather any supplementary documentation you need to submit your application to the bank – payment processor. Whether this is your first time or your hundredth, we use our expertise to answer your question and make sure the process is smooth.

Optimized Underwriting Process

Once you’ve finished your application, we submit it to the payment processor for underwriting. If there are questions or concerns on either side, we make sure they’re answered. This includes working with you to make sure your website complies with all current regulations.

Expert Gateway Integration

We are experts in integrating high-risk payment gateways with Wix, WooCommerce, Shopify, and ClickFunnels. We will assist you every step of the way.

Merchant Support

Once you start processing credit cards we continue our work. We remain trusted and loyal partners, providing support and advice throughout your years as one of our happy customers. If you need help, we promise to be at the other end of the line. It’s that simple.

How We Work | E-Commerce 4 IM

How Credit Card Processing Works

From the end user’s point of view, performing a credit card transaction is as easy as typing a number and pushing a button. But behind the scenes, numerous processes take place that can transport this information around the globe and back again to verify the cardholder’s bank information, check for fraud, approve the transaction and complete the transfer of money to your account.

The Pieces of the Puzzle – We Help You Put it Together

1. Shopping Cart

A shopping cart is a piece of computer software that allows your end-users to easily and intuitively save goods and services for purchase, choose payment and shipping options, and interface with your payment gateway to enter their credit card information. This is the only piece of the payment process that your shoppers ever see, which makes it strategically important as part of the overall user experience as well as a necessary portal to the rest of the process.

2. Payment Gateway

A payment gateway is a software service that relays credit card and bank account information back and forth between the payment network and the shopping cart. How Credit Card Processing Works | High Risk Merchant Accounts

Many payment gateways also support the addition of applications that compare the credit card and customer information against third-party databases and risk assessment criteria to combat fraud and reduce chargebacks.

3. Merchant Account (Payment Processor – Acquiring Bank)

When your payment gateway approves a transaction, the funds must be transferred from your customer’s bank to yours. However, your personal bank is unlikely to offer the kind of support you need. Instead, you need to set up an intermediate account – called a “merchant account” at a bank that specializes in processing credit card payments for your industry. Called the “acquiring bank,” this bank acts as a clearinghouse and temporary holding place for funds before they are transferred into your bank account.

Obtaining a merchant account requires an approval process and can be the most difficult piece of the puzzle to obtain, especially if you work in an industry that is traditionally considered high-risk.

High-Risk Merchant | How Processing Works | E-Commerce 4 IM

4. Issuing Bank

This is your customer’s bank and the entity that approves or declines the payment based on the sufficiency of funds and risk scenarios.

5. Your Business Checking Account

At the end of the process comes the best part – money is transferred from your merchant account into your bank account where you can access it.

And the best news is, you’re not alone! We specialize in helping you find a merchant account, which is the cornerstone of the process, but we can also help with payment gateway integration, shopping cart selection, fraud prevention, and more. Just give us a call today to see how we can help you at 1-800-570-1347.

How Credit Card Processing Work | E-Commerce 4 IM | High Risk Merchants Online Processing

 

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