*Attention business owners processing credit cards online*

Your current processor may KILL your business!

Millions of merchant accounts were shut down last year by our competitors…

We have a solution so that you can worry less about payment issues, have stable merchant accounts, and make more money online. 

Accept payments Today or read more below to find out why the top Entrepreneurs trust Creditly in the USA.

As a business accepting credit cards online, you need a truly reliable merchant account.

Last year, Payment Aggregators, including Stripe, closed down millions of merchant accounts, and the reason will shock you…

Simply put… It’s how their business model works!

They have one merchant account, which they let millions of merchants use. In doing so, they balance the risk between solid ethical business owners with entrepreneurs who would commit fraud, launder money, sell a poor-quality product, or close their doors before a consumer asks for a refund.

This allows companies like Stripe to set you up quickly, but it also allows them to shut you down even quicker.

The problem is that they don’t know anything about you when they set you up. They don’t know who you are, what you sell, or how you sell it.

If they set you up and anything unusual happens, such as a spike in chargebacks, the likelihood of them closing your account is HIGH.

Even worse, if one of your competitors does anything to trigger a flag in their system, they look at the entire industry. And through no fault of your own, a competitor’s misstep could mean a closed account for you.

Let's see how Creditly can help keep our client’s merchant accounts stable...

The KEY component is thorough underwriting.

Our specialists underwrite your reliable merchant account so that we understand your business and marketing model. This allows us to match you with a back-end bank that works with your vertical.

Which greatly lowers the chance of you ever having an issue.

On top of that, when you sign up with us, you’ll have one dedicated point of contact, access to our fraud protection services, recurring billing, mobile payments, hosted checkout, and integration to over 250 shopping carts.

We’ll also work with you to optimize your payments for the lifetime of your account.

Lowering your decline rates so that you can increase revenue, monitoring your chargeback ratios, and helping to mitigate them, plus much more.

We Specialize In E-Commerce Merchant Accounts.
Is Your Business Selling Online…

Grant Cardone

Tony Robbins

Frank Kern

Dean Graziosi

Amy Porterfield

Perry Belcher

Creditly Offers Features To Help Your Business Succeed...

Transaction Routing – We’ll automatically route your transactions across multiple accounts. That way if anything ever happens to one, your others are still up and running.

White Glove Service – You’ll have a dedicated point of contact that you can reach any time you need them.

Decline Recovery – We’ll help you improve your approval ratios and reduce decline rates. That way, you put more cash back in your pocket and process more payments.

Chargeback Mitigation – Stop chargebacks before they begin with. Our chargeback alert system. Greatly lower account issues and improve customer satisfaction.

Hosted Checkout – Quickly create checkout links and landing pages with a few clicks. Email them, DM them, or text them to your clients for payments on the fly.

Recurring Billing – Built-in recurring billing for subscription purchases with multiple payment options available

Mobile Payments – Process payments on the go with our easy to use mobile payment solution

250+ Integrations – Integration to nearly every shopping cart, plus we integrate to most apps and software. If you need something specific, our in-house development team will make it happen. 

Banking For Nearly Every Vertical – We offer accounts for almost every vertical, including high-risk merchants, travel merchant accountsSaaS merchant accounts and much more. Get approved today.

Unlimited High Ticket – Worry-free processing of high ticket transactions on high-volume merchant accounts.

Ecommerce Credit Card Processing Info & FAQs

How does ecommerce credit card processing work?

Ecommerce credit card processing works by allowing customers to make purchases on an ecommerce website using their credit or debit card. When a customer makes a purchase, their credit card information is transmitted to the merchant’s ecommerce platform, which then sends the information to the merchant’s payment gateway. The payment gateway then forwards the information to the customer’s credit card issuer for authorization. Once the transaction is authorized, the funds are transferred from the customer’s credit card account to the merchant’s bank account.

Are there any additional fees associated with e-commerce credit card processing?

There may be additional fees associated with ecommerce credit card processing, such as a percentage of each transaction, a flat fee per transaction, or a monthly account fee. It’s important to carefully review the terms and fees of any eCommerce merchant account before signing up to ensure that you fully understand the costs involved.

What are the main benefits of credit card processing for ecommerce?

The main benefits of ecommerce credit card processing include the ability to accept payments from customers 24/7, the ability to reach a wider customer base, and increased sales and revenue.

Is it difficult to set up ecommerce credit card processing for my website?

Setting up ecommerce credit card processing for a website can be more complex than setting it up for a brick-and-mortar business. But, there are many ecommerce platform providers (such as Shopify, Magento, and BigCommerce) that offer built-in solutions for accepting credit card payments on a website, so you can also integrate a third-party payment gateway like Stripe, PayPal and authorize.net into your website.

What types of security measures are used in ecom credit card processing?

Credit card processing for e-commerce typically uses several types of security measures to protect sensitive customer information, such as SSL encryption to protect data transmitted over the internet, PCI compliance to secure data stored on the merchant’s server, and fraud detection and prevention tools to reduce the risk of fraudulent transactions.


Ecommerce credit card processing is the soul of an online business.

If your business accepts online payments from credit and debit cards, you are an eCommerce site. Without the ability to accept credit and debit cards, an online business has little chance to succeed.


An eCommerce transaction is virtually any online transaction made with a credit card.

These are called Card Not Present, or CNP transactions, since the card is not physically present.


An ECOM transaction is the same as an eCommerce transaction.

ECOM refers to Electronic Commerce Online Marketing or eCommerce Online Marketing. It applies to credit and debit cards.


The Payment Card Industry Data Security Standard applies to all payment processing entities and all businesses and services accepting credit cards.

The major credit card companies created PCI to mitigate fraud.

In e-commerce, credit card payments must stay compliant. That means merchants must take specific measures to keep all cardholder data safe by concentrating on network security.


Once the merchant has established a payment gateway or online version of a Point of Sale (POS) terminal, eCommerce payment processing can start. The payment gateway connects the online retailer to the payment processor and sends the transaction request.

The payment processor processes and executes the payment. Funds leave the customer’s account and get deposited into the merchant account.

An eCommerce merchant account is not absolutely necessary. However, eCommerce businesses benefit from the enhanced security of merchant account providers.

If your business has a brick-and-mortar component, your eCommerce merchant account provider can also provide you with POS capability.


Your merchant account provider should give your business access to eCommerce payment processing that includes more than just payment processing.

You should be able to accept echecks or ACH transactions, as well as Apple Pay and other common payment options.

Keep in mind that many common payment processors, such as PayPal, do not work with high-risk businesses. Your processing service should accept international payments.

Even if the bulk of your business is domestic, not having the ability to accept international payments can hamper your sales.


Credit card companies charge payment processing fees for each ecommerce transaction.

Banks issuing the cards receive these fees. They average 1.81% for a credit card and 0.3% for a debit card.

Fees also vary by card type. A high-end reward card will charge a higher fee than a standard, no-rewards card.

Expect to pay one-time fees to set up your eCommerce merchant account. Besides the setup fees, these involve address verification and compliance fees.


Incidental fees may include:

    • Annual fees
    • IRS report fee
    • Monthly minimum fee
    • Statement fee

Read the contract carefully. You may prove subject to an early termination fee.

Some fees are fixed and non-negotiable. These include interchange fees.

Others will vary depending on the volume of business and the type of payment processing. For instance, an in-store, POS transaction carries the least amount of risk. It also carries the lowest fee.

Merchant account providers categorize ecommerce transactions as risky, and fees reflect that.


Choosing the right merchant account provider and credit card processing service is among the most crucial decisions you’ll make for your business.

When searching for payment processing services, make sure the payment gateway provides:

    • Transparent fee structure – Fees will vary according to the payment processing company. Just make sure you understand the pricing structure. Some merchant account providers make the fee structure so complicated that even experienced business owners have difficulty understanding the basic pricing model.
    • Low risk vs. high risk – A high-risk merchant will pay more for an eCommerce merchant account than a low-risk merchant. Factors determining low vs. high risk include the number of chargebacks and the opportunity for fraud.
    • Strong customer support – If there’s an issue, you want a credit card processing company that responds quickly and resolves the problem.
    • Ease of use – You want to run your online credit card processing transactions as simply as possible. A simple, intuitive commerce credit card processor makes life easier all around.

Shop around to find the best merchant account provider and credit card processing company for your needs.

Compare not only commerce credit card processing prices and fees, but the type of merchant services provided.


Through our Creditly payment gateway, online businesses can accept credit and debit cards.

Along with eCommerce credit card processing, we allow merchant accounts to offer other payment options, including echecks and online payments.

Our product is compatible with most online shopping carts and we work with dozens of banks worldwide.

Our name says it all.

There is no easier way for online high-risk merchants to thrive in the eCommerce universe than by using our simple, intuitive platform. We go above and beyond the already stringent compliance demands, so your information is secure.

Businesses trust Creditly for their ecommerce credit card processing, and so should you.

For more information, please contact us at 877.307.7711.

What industries does Creditly work with for processing?

Creditly specializes in high risk payment processing, but we also work with mid risk and low risk companies, offering affordable credit card processing.

Here is a short list of some business verticals we service:

  • Antiques & Collectibles
  • Apparel & Clothing
  • Bad Credit
  • Bus Lines
  • Cannabis Support Businesses
  • Caterers
  • CBD Oil & CBD Products
  • Continuity Products and Subscription Boxes
  • Credit Repair
  • Credit Monitoring
  • Debt Collection
  • Digital Streaming
  • Document Preparation
  • Fantasy Sports
  • Firearms & Ammunition
  • Furniture & Home Furnishings
  • Health & Beauty
  • Hotels & Lodging
  • Insurance / Warranty
  • Legal Services
  • Magazine Subscriptions
  • Medical Billing & Coding
  • Medical Supplies
  • Membership & Recurring Billing
  • MLM Companies
  • Transportation & Moving
  • Non-Profit
  • Nutraceuticals
  • Pawnbrokers & Pawn Shops
  • Pet Products
  • Precious Metals
  • Property Management
  • SaaS Companies
  • Seminars & Coaching
  • SEO / SEM / Ad Agency
  • Smoking Accessories
  • Sports Betting
  • Survivalist & Tactical Gear
  • Telemedicine
  • Tobacco & Cigar
  • Travel & Timeshare
  • Vape / e-Cig / eJuice
  • Veterinarians
  • Web Design & Development

Why is my business considered high-risk?

“High Risk” is a term used in the banking industry. It’s important to note that there are many business models that are seemingly low risk, but fall into the high risk category.

There is nothing wrong with being considered high risk and there are many factors that contribute to risk.

When a consumer buys an item with a credit card, they are given 6 months from the date of receiving the item to dispute the charge.

If your business is no longer operating, who do you think has to refund that money? The processor. This is where risk is created.

Certain businesses, marketing models, and industries have a higher rate of chargebacks, where they get labelled as high risk.

Even if your business is perfect, has never had a chargeback, and operates 100% “by the books,” you could be labeled high risk if your business or industry falls into a high-risk category.

There are 3 main reasons a business can be considered high risk.

  1. The business has a greater chance of chargebacks occurring
  2. The business model may be new or legally regulated
  3. The business accepts a high number of card not present transactions (over the phone, email, eCommerce)

Check our high risk merchant services!

Do you provide merchant account services outside of the USA?

Creditly offers merchant account services for the USA, UK and Canada. You can also contact us, if you need EU merchant account services. We are always working to expand our areas of processing and hope to serve a greater area in the near future.

Can my startup or new business be approved?

We have worked with many new brands and start-ups to get them approved and running. However, banks like to see a long history of transactions and an established history with a merchant before approving them.

But, that does not mean we can’t get you approved. Reach out to us today and we will walk you through your options.

How long does it take to get approved for a merchant account?

Once all of the necessary documents have been received, it typically takes 1-4 days to get approved.

Occasionally accounts can be approved in less than 24 hours, our team will work as quickly as possible to get your account up and running.

Get started now!

trust Creditly

0 +
$ 0 B+
0 +

Creditly helped us get access to a payment processor when others could not. They were super helpful and got us up and running faster than expected. Highly recommended!

Joseph Dubois


We needed access to multiple processors, and Creditly delivered. It's good to know we have a partner that will stand behind us as we grow and expand our locations.

Jody Martinez

SAS & Travel

Our high risk business needed help after Stipe held up payments. Creditly got us approved. I'll never go back to using Stripe or PayPal.

Neil Oliver

Ecommerce Health
Skip to content
Verified by ExactMetrics