What is a Merchant Account?

A merchant account is similar to a business bank account that allows a business to accept credit or debit card payments through a payment gateway or point-of-sale terminal.

New businesses or existing merchants save with PayKings. Find out today how much you can save on Merchant Account Solutions, Credit Card Processing, Payment Processing, and Payment Gateways.

Get Your Merchant Services Quote Today

Let our network of 20+ Credit Card Processors work for your Business. No credit check needed for a quote.

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Getting the Best Rates is as easy as 1, 2, 3!

Step 1

Fill Out Our Application

  • No Credit Check
  • 45 Second Average Completion Time
  • Privacy Ensured

Step 2

Merchant Rates Gathered

  • Your merchant profile is sent to our servers
  • Bank/ISO matrix algorithm calculates your offers

Step 3

Choose The Best Offer

  • Choose the terms that suit you best
  • Our application team contacts you to complete the process

Payment Gateway and Merchant Account Solutions

High Risk Merchant Account Solutions

When it comes to the best merchant account and mobile merchant account solutions, PayKings is the proven choice among businesses. Because of our reliable payment gateway, secure platform, excellent service, and fast application process, we can provide the lowest possible rates in the industry.

What is a merchant account? A merchant account is essentially a credit card account for your business. You need a merchant account to accept debit and credit card payments. So without a merchant account, processing payments is not possible. Before you launch, make sure you have the best merchant account solutions for your retail or ecommerce business.

Merchant Account Fees

So many merchants end up paying excessive fees to their current payment processing provider because they don’t do enough research before launching. Researching online merchants will help you find the most ideal merchant accounts for your specific business type. Otherwise, your business could end up getting dropped from aggregate payment processing companies like PayPal or Stripe. Then you will have to find a new payment solutions company.

Merchants need a payment processing provider that is experienced, knowledgeable, and leading experts in providing merchant account solutions custom-tailored for your eCommerce business. Luckily, PayKings is the answer to all your payment processing needs.

Processing High Volume Accounts

Our highly skilled team has merchant accounts for businesses with processing volumes ranging from $20,000-$100,000,000 and up per month. Our payment gateway services give you access to information regarding your merchant account solutions. This includes information on individual transactions and batch totals with comprehensive reporting tools. PayKings’ end-to-end e merchant solutions offer flexible products and services. Our virtual gateway enables merchants to accept nearly all types of electronic payments, including major credit cards, MasterCard, VISA, American Express, Discover, Diners Club International, signature debit cards, gift cards, loyalty cards, and ACH processing solutions.

What Type of Businesses Need Merchant Accounts?

All businesses that are selling something, whether it be goods or services, need merchant account solutions. Simply put, offering merchant account solutions to your business means providing payment processing options so that you’re able to accept debit and credit cards transactions.

Card-Not-Present Transactions

Accepting debit and credit cards is not just exclusive for brick and mortar business, but is especially booming for card-not-present transactions taking the internet by storm. The ecommerce industry is growing faster than ever. With so many consumers turning to the internet for their buying needs, the most important element for running a successful business is the ability to accept debit and credit cards online as a primary form of payment.

Whether you’re looking to switch payment processors or need new merchant account solutions to accept credit cards, debit cards, and other forms of payment, PayKings has the best possible merchant account solutions for your business. From those with simple to complex needs. As payment processor providers, we offer fast and easy payment acceptance solutions, coupled with exceptional customer service, so you can focus on growing your business.


Provide Your Business With The Best Merchant Account Solutions

Merchant Account SolutionsTo find the right payment processor for your specific business means discovering the one that fits your needs and provides merchant account solutions that are unique to your industry and payment processing demands. Choosing the most reliable company for merchant account solutions means seeking out a reputable and experienced payment processor, like PayKings, for choosing the right partner from the start is critical to your business’s longevity and long-term success.

Mobile Merchant Accounts

There are many options for merchant account and mobile merchant account solutions out there, however, they aren’t all equal, for example, work with a company that handles PCI compliance without cancellation fees and costly term commitments. A high-quality processor, like PayKings, will not boost your markup rate afterward. Consider too that your capability to accept card-not-present (CNP) payments and other electronic transactions is essential for your company’s financial success. It is also vital to start looking for a payment processor that will truly be your partner and provide you with ideal merchant account solutions, support, and advice – in addition to the infrastructure for growth.

Need Mobile Payment Processing Solutions?

At PayKings, we specialize in getting online retail and eCommerce business the best high risk mobile merchant solutions possible. Need a high risk mobile merchant account? PayKings can offer you eCommerce payment processing solutions you will not get from any other payment processor.

merchant accounts for credit card processing

Along with your own dedicated mobile merchant account, PayKings can provide you with a high risk payment gateway that integrates with almost any eCommerce platform and shopping cart. Need to accept credit card payments through your mobile device? PayKings has mobile swipe terminals that integrate 100% with your mobile merchant account.

Ecommerce Payment Processing

Our team of experts is here to help businesses achieve their specific goals by meeting their needs through simple, secure, cost-effective payment processing services. From smaller businesses and start-ups with a need for secure eCommerce payment processing methods to large-scale B2B merchants requiring more specific and unique services – PayKings customize safe, easy solutions with competitive rates.
The main reason to make sure you have the right merchant account and mobile merchant account for your business is to build a lasting relationship with your payment processor provider, set your business up for longevity and success by doing things right the first time and avoid the chances of your merchant accounts being shut down. Many times the approval process can be quick and many companies like PayKings provide free quotes.

How PayKings Can Help Provide Credit Card Account Solutions and Get You Approved for Payment Processing

  High Risk Merchant Account Services

Merchants can improve their chances of getting approved by highlighting the best features of their business. A cover letter should include relevant information, such as the industry insight of people involved in the project.

Merchant Account Fraud Protection

Merchants should also discuss anything that makes the business stand out, such as proactive fraud monitoring. Address high trading volumes in a cover letter. Trading volumes impact the risk to the processing company. Showing a strong processing history with a great deal of money moving through the business can increase your chances of approval.
Finally, merchant accounts should have a plan to address long fulfillment duration. Fulfillment duration refers to the amount of time it takes between when payment is collected and when the service or product is delivered. The longer the fulfillment duration, the higher the risk of chargebacks, and thus the riskier the business. Reducing the fulfillment duration or showing strong reserves makes the merchant a lower risk.

Merchant Services for Reliable Credit Card Processing

Figuring out the best merchant services for reliable credit card processing online, all while running your business and sussing out which credit card processing companies are the right fit for your business needs can be overwhelming to say the least. Merchant services are vital for eCommerce credit card processing success and selling your merchandise or services online. Simply put, if you are not set up for credit card processing online, then you really don’t have a chance of making it in your industry.

Credit Card Account Solutions

When doing research on credit card processing companies and the choices you have for merchant services, payment gateways and merchant accounts, knowing the right things to look for and the important questions to ask can help to determine the right merchant services companies from the bad ones.

Credit card processing

Additionally, learning all you need to learn about credit card processing, take into account which merchant services are right for your company, all while remembering that there is no right or wrong answer – just which merchant service works best for your business’s unique set of circumstances.

Compare Credit Card Processing Companies

Doing some comparison shopping before choosing a credit card processing company and look into which options are needed when considering merchant services. In order to fully know which credit card processing company, merchant services, and payment gateway might be best for you, these 3 questions are a quick way to rule out the bad options:
  • Which merchant services include the lowest rates and fees for credit card processing
  • When it comes to fraud activity, which credit card processing companies can help prevent the issue
  • Do your merchant services include tips on handling disputes and reducing credit card processing chargebacks

If your company isn’t set up for credit card processing as a form of payment, then you are missing out on a huge slice of the revenue pie, and allowing for your competition to gobble up your portion. If your business is considered high risk, your merchant services options for credit card processing become more limited and you’ll need to apply for a high risk merchant account.

Applying for merchant services, whether your low risk or high risk is easy to do, once you narrow down a reliable and knowledgeable credit card processing company – that said, you can get started with a quick and free quote with PayKings by clicking here and be set up with merchant services in a snap!

Start Accepting Payments today

Apply for a merchant account


Why PayKings?

PayKings understands the unique needs of your business and has established 24+ acquiring banking relationships to become experts in getting companies accepting online payments.

Why PayKings?

PayKings understands the unique needs of your business and has established 24+ acquiring banking relationships to become experts in getting companies accepting online payments.

What is a Merchant Account?

Our Services

Merchant Account
Experts

  • 20+ Proven Bank Relationships
  • Medium/High Risk Accounts
  • Fast Merchant Account Approval
  • Large Merchant Case Studies
  • E-Commerce and Retail Options
  • B2B Vendors Supported

Multiple Payment Solutions

  • Multiple E-Commerce Gateway
  • Chargeback Prevention
  • ACH
  • E-Check
  • Credit Cards
  • B2B-Level II/III Data Discounts
  • 3D Secure Frictionless Checkout
  • Mobile Payment
  • EMV Readers

Intuitive Compatibility & Support

  • Gateway Recurring Billing
  • Vault
  • E-Commerce Cart Plugins
  • Developer API / Docs
  • POS/Terminals
  • International Merchant Accounts
  • Dedicated Account Managers

Ready to get started?

Start Accepting Payments Today

Apply for a merchant account