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Web design and SEO related marketing businesses are universally categorized as widely known high risk companies in the credit card processing market. In fact, being considered high risk applies to any business using one or more of these characteristics:
- A History of High Chargebacks
- Irregular and Very High-ticket Sales
- Business is in a Market that US Host Banks and Processors are Reluctant to Support
- A Highly Regulated Industry
- An Industry with Long-term Conflicts between Billing and Delivery of the Service or Goods
- An Industry that is Based upon Recurring Billing, Free Trials, or Memberships
Being high risk also relates specifically to web development, SEO and SEM businesses, largely in part because they generally have big ticket dimensions (aka large average transactions), these companies usually have a significant delay time between billing and the delivery of service, and as a general rule, most US sponsor banks are reluctant to underwrite these businesses.
So what does this mean for you and your business? It means that you’ll need a high risk merchant account. PayKings specializes in working with high risk merchants, and we have multiple acquiring banking partners that offer web design and SEO merchant accounts.
Why Does this Matter and How Can PayKings Help?
While any business involved in web design, SEO, and marketing is an appropriate vertical for a high risk merchant account, startup and present companies in the following sub-industries are some other very common clients in this field:
- Search Engine Optimization (SEO)
- Search Engine Marketing (SEM)
- Website Design
- Template Design
- Internet Development
- Software Development
- Mobile & Desktop App Development
An underwriter’s job in the high risk sector is to assess and minimize the risk from the credit card processor’s point of view. That especially means studying the regulatory threat or unsecured chargeback threat of a particular small business.
Unlike a very low risk processor, a high risk credit card processor for web design and SEO merchant accounts will need to understand that some amount of chargebacks are unavoidable. But what they fear is chargebacks that the merchant cannot pay back on their own, hence holding the credit card processor accountable.
What does this mean for your business? The best choice would be to choose a credit card processing provider, like PayKings, that pre-writes the application and underwriting in-house.
An underwriter reviewing an application for a web design and SEO merchant account or any business related to search engine optimization, internet marketing, design or web development firm, want to be certain that there is a fully developed business model (in the case of a startup) with clear pricing, products, return policies, etc. or for existing businesses a very clear track-record of successful. Additionally, they will be taking a look at bank statements to ascertain if there is a regular positive balance in the checking account (so that chargebacks or returns will be paid).
How Does Being High Risk Affect Your Web Design or SEO Merchant Account?
Web Design, Web Development, Search Engine Optimization, Search Engine Marketing, and other email or web advertising services have increasingly become a fundamental component to business marketing. These services are supplied by SEO / SEM / Email and internet marketing companies that offer valuable services by attracting businesses to new clients.
While there is a whole booming industry of businesses that are successfully doing web design and SEO, regrettably, there are also some less-reputable businesses in the space. These bad apples in the bunch have engaged in a fair amount of fraud, or regularly failed to deliver promised services, and consequently, the whole sector finds it difficult to obtain reliable and affordable credit card processing solutions since many sponsor banks refuse to underwrite these companies entirely.
Because the increased concern for fraud, the banks that decide to approve or decline to underwrite web design, SEO, and marketing companies, these businesses often have their merchant accounts closed down by their credit card processors at the first sign of chargebacks or issues with recurring billing models.
Luckily, PayKings is one of the very few providers of reliable US and offshore merchant accounts for web design, marketing, SEOs, SEMs, and other web related companies.
PayKings understands the unique needs of the different Web Design & SEO related businesses and has established 24+ acquiring banking relationships to become experts in getting Web Design & SEO merchant accounts set up and accepting online payments.
Web Design & SEO Merchant Account Experts
- 20+ Proven Bank Relationships
- Medium/High Risk Accounts
- Fast Web Design & SEO Account Approval
- Large Merchant Case Studies
- E-Commerce and Retail Options
- B2B Vendors Supported
Multiple Payment Solutions
- Multiple E-Commerce Gateway
- Chargeback Prevention
- Credit Cards
- B2B-Level II/III Data Discounts
- 3D Secure Frictionless Checkout
- Mobile Payment
- EMV Readers
Intuitive Compatibility & Support
- Gateway Recurring Billing
- E-Commerce Cart Plugins
- Developer API / Docs
- International Merchant Accounts
- Dedicated Account Managers