Informational Products & Courses

*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 you can worry less about payment processing for courses, informational products and seminars. Have stable merchant accounts and make more money online.

Accept payments Today, and find out why the top Entrepreneurs trust Creditly in the USA, Internationally, and in Europe.

As a business accepting credit cards online, you need a truly reliable payment processing technology for courses

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.

How Does Creditly Beat the Competition?

How do we keep our client’s payment processing for informational products stable?

The KEY component is thorough underwriting.

Our specialists underwrite your 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 with payment gateway for courses.

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. It’s all to keep your payment processing for courses safe!

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.

The Online Marketplace is Growing - Is Your Business Selling Online?

What Other High Ticket & High Volume Payment Processing Features Does Creditly Offer?

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 accounts, SaaS 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

A Quick Overview On Credit Card Processing

What is a merchant account?

A merchant account is a specific type of bank account that allows merchants to accept payments. Typically, a merchant account is used for credit card processing and eCheck processing but can be used for a variety of payment processing needs. To get a merchant account, one must submit an application with a merchant account provider.

These merchant account providers work with acquiring banks, such as Chase and Wells Fargo, to provide merchant accounts to businesses looking to process credit card payments.

There are multiple types of merchant accounts depending on how the bank categorizes the industry of the merchant. If the merchant account is used for card not present (CNP) or ecommerce transactions then it must be integrated with an online payment gateway. Otherwise, a physical terminal is required to capture payment information.

Who Does Creditly Work With?

Creditly works with all kinds of merchants, including, what the banks call, “high risk” merchants. These merchants happen to be in an industry that the banks label as high risk which means that they have a higher likelihood of chargebacks, disputes and fraud.

The most common reason for this is card not present transactions which presents a higher risk of fraud. These merchants can have a particularly hard time finding a high risk merchant account because a lot of payment processors refuse to participate in high risk processing. Even if these merchants find a “high risk payment processor” they can still frequently deal with holds or freezes on their money and shut down merchant accounts.

This is where Creditly saves the day by finding them a high risk merchant account provider that wants to work with their business and providing them with all the resources to meet their high risk credit card processing needs.

What Does Creditly provide?

Creditly provides merchant accounts specifically tailored to a merchant’s industry. We do this by leveraging our banking relationships to apply for merchant accounts on your behalf.

However, we do not just apply for any merchant account, we use providers who want to work with your business model and underwrite their merchants. This is important because it lays out all the cards on the table and ensures that a provider gets to know who you are and your business model before working with you. That way they know what to expect moving forward.

This strategy guarantees that we find a merchant account provider that wants to work with you, making the likelihood of holds, freezes, and shut downs, much less and providing stable credit card processing.

Another benefit to this are you get to avoid the nightmare that applying for merchant accounts can be. Not only do most merchant account providers do very little underwriting, but it can take many applications before you find a merchant account that is good for you.

Each application that you send out hurts your chances of getting approved for the next because multiple applications make you look desperate to a provider which they perceive as high risk.

After your merchant account is set up…

After we get you set up with your first merchant account, we recommend getting you an additional merchant account if you have over $250,000 in sales volume a year. This is to ensure stable payment processing.

Even though Creditly takes all the precautions to prevent you from experiencing a hold, freeze, or shutdown, we can never know how banks might act in the future. If they hire someone new or implement a new algorithm, your account could have action taken against it. In the event of this, if you have a second merchant account that is already up, and running and processing payments, you can pivot your revenue stream to this account and avoid holds, freezes, and shutdowns altogether.

Now all of this may seem complicated and a lot of work, and it would be if you were doing this on your own. However, if you are working with Creditly, we manage all of this for you making your role in all of this very easy. We even assign you your very own Certified Payment Specialist (CPS), who will monitor your merchant accounts for you, giving you one point of contact for all of your merchant processing needs.

How to get an informational product merchant account:

The first step on your path to a new merchant account is to start with the Creditly application or if you would rather chat with someone to find out more, call us at (877) 307-7711*. We can get you set up in as little as 2 DAYS!

*Hint: This is easier cause we can fill out your application for you!

Choose the right Merchant Account for your business:

What to Expect With Creditly:

At Creditly your journey will begin with your application which we use to collect information about you and your business to match you with the right merchant account provider. From there you will be connected with your very own New Client Specialist (NCS) who will help you complete this application and will be your contact to answer all of your questions.

Once we have the necessary information and have assessed your business model, you will be classified as a Gold, Platinum, or Diamond merchant based on your unique payment processing needs.

After this, you will be introduced to your Certified Payment Specialist (CPS) who will be your one point of contact for all of your payment processing needs. This ensures that when you call, you are talking to someone that you know and who knows you and your business. They will apply for merchant accounts on your behalf and help you set up your new merchant accounts and your online payment gateway.

After that, you will be ready to start accepting payments. Your CPS will monitor your accounts and keep in contact whenever you want to chat or if they need to alert you of something that requires your attention on top of annual merchant account reviews.

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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!

Ecommerce

High Ticket
High Volume