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Getting a High-Risk Merchant Account and Payment Gateway for Adobe Commerce (Formerly Magento) With Durango Merchant Services
Running a Adobe Commerce (Formerly Magento) store can be a very good technological decision when starting or expanding an e-commerce store. With its incredible flexibility and robust features, Adobe Commerce (Formerly Magento) swings the doors wide open for businesses to create customized shopping experiences that can scale with growth. But if your business falls into a high-risk category, you’re likely aware of the challenges that come with securing reliable payment processing. Durango Merchant Services has been here for decades to help you overcome these hurdles. We offer tailored high-risk merchant accounts and payment gateway integrations that keep your Adobe Commerce (Formerly Magento) store running smoothly, allowing you to focus on what you do best—growing your business.
Cases When Adobe Commerce (Formerly Magento) Users May Need A High-Risk Merchant Account & Payment Gateway
Choosing Adobe Commerce (Formerly Magento) means you’ve opted for one of the most powerful and customizable e-commerce platforms available. But when your business operates in a high-risk industry, this power comes with a unique set of challenges. Let’s explore what makes a business high-risk and why this classification means you need a specialized payment processing solution.
Understanding High-Risk Classification & Adobe Commerce (Formerly Magento) Strengths
High-risk businesses are those that operate in industries where the likelihood of chargebacks, fraud, or regulatory scrutiny is significantly higher. Adobe Commerce (Formerly Magento)’s scalability and extensive customization options make it a popular choice for businesses in these sectors, such as online gaming, adult entertainment, supplements, and travel services. Adobe Commerce (Formerly Magento)’s scalability and customizability also make it an ideal platform for high volume sales, and level 2 and level 3 payment processing classifications.
Here’s why these industries are considered high-risk:
Chargebacks: If you’re running a Adobe Commerce (Formerly Magento) store in a high-risk industry, you’ve probably encountered higher than average chargeback rates. Chargebacks can arise from various sources, such as customer disputes, fraudulent transactions, or dissatisfaction with a product or service. For payment processors, a high chargeback rate is a red flag, signaling increased risk and making them hesitant to partner with businesses in these industries.
Fraud: Industries like online gaming and adult entertainment are especially prone to fraudulent activity. While Adobe Commerce (Formerly Magento)’s open-source nature allows for customization to combat fraud, the risk remains significant. Fraud doesn’t just impact your bottom line; it also raises concerns for payment processors who may be wary of serving businesses in these sectors.
Regulatory Scrutiny: If your Adobe Commerce (Formerly Magento) store operates in industries like supplements or travel services, you’re likely subject to strict regulatory oversight. Navigating these regulations can be challenging, and any missteps could result in legal or financial penalties, complicating your relationship with payment processors even further.
Complex Financial Transactions: Adobe Commerce (Formerly Magento)’s appeal often lies in its ability to handle complex product offerings and large transaction volumes. While these features are great for business growth, they can be red flags for traditional payment processors who view them as indicators of higher risk.
Challenges with Traditional Payment Processors
The high-risk label can create significant obstacles when securing payment processing through traditional providers. These challenges can have a direct impact on your Adobe Commerce (Formerly Magento) store’s operations:
Challenge 1: Rejected Merchant Account Applications
We’ve heard the story many times, you have dedicated countless hours to building your Adobe Commerce (Formerly Magento) store, customizing every detail to create the perfect online experience for your customers. You’ve put in the work, and your business is finally starting to take off. But then, you encounter the first major hurdle—your application for a merchant account is rejected. It’s not because of anything you’ve done wrong, but simply because of the industry you’re in. Traditional payment processors often shy away from high-risk businesses, labeling them as too risky without considering the unique challenges you face. It’s a frustrating and disheartening experience, especially when you know that the success of your Adobe Commerce (Formerly Magento) store depends on having reliable payment processing in place.
Challenge 2: Sudden Account Closures
Many of our clients managed to get past that initial rejection and secure a merchant account, but another challenge can rear it’s head down the road. Many new online shops start off with an aggregate payment platform like Stripe, Paypal or Square. Unfortunately, the reality is that the risk of sudden account closures is always lurking in the background with these aggregate payment processors. You’re constantly walking on eggshells, knowing that any unusual activity—like a sudden spike in chargebacks—could trigger the termination of your account. It’s a story we hear almost daily: One day, without warning, your account is abruptly closed, leaving your business vulnerable and your Adobe Commerce (Formerly Magento) store at a standstill. It’s a situation no merchant wants to face, but it’s all too common when dealing with traditional payment processors.
Challenge 3: Frozen Funds
Then there’s the issue of frozen funds. Cash flow is the lifeblood of your business, especially when you’re operating on a platform like Adobe Commerce (Formerly Magento), where every transaction counts. Yet, traditional processors can freeze your funds at the first sign of perceived risk, leaving you scrambling to cover expenses, pay suppliers, and keep your operations running. This disruption not only threatens your business but also damages the trust and relationships you’ve worked so hard, sometimes over years of steady operation, to build with your customers and partners.
These experiences are all too familiar for merchants operating in high-risk industries. If you’ve faced similar challenges, you’re not alone. The good news is that there are payment processors out there who understand your needs and are equipped to provide the support and stability your business requires.
The Importance of a Specialized Payment Processing Solution
Given these challenges, it’s clear why Adobe Commerce (Formerly Magento) users in high-risk industries need a specialized payment solution. Durango Merchant Services is here to provide exactly that, offering the support you need to overcome these obstacles and succeed.
Tailored Risk Management: Durango Merchant Services is well-known for our ability to tailor high-risk merchant accounts to the specific needs of your business. For Adobe Commerce (Formerly Magento) users, this means you’ll receive a merchant account that’s fully customized to handle the unique demands of your industry and the complexities of the Adobe Commerce (Formerly Magento) platform. Depending on your exact situation our banking partners may require you to keep reserves or start you off with higher rates to manage their risk, but with time and a good track record, we can renegotiate your rates and want to always get you the best rates possible. Whether you’re dealing with high transaction volumes, international sales, or intricate product catalogs, Durango works to make it economical and ensures that your payment processing is secure and reliable.
Stable Payment Processing: Adobe Commerce (Formerly Magento)’s flexibility allows businesses to scale rapidly and manage intricate operations, but these benefits can also introduce risks that traditional payment processors aren’t equipped to handle. Durango’s high-risk merchant accounts are designed to provide the stability you need, even in industries where the risk of chargebacks or fraud is high. With Durango, you can focus on utilizing Adobe Commerce (Formerly Magento)’s powerful features without worrying about payment disruptions.
Advanced Fraud Prevention: Adobe Commerce (Formerly Magento)’s extensive customization options make it a prime choice for businesses that need advanced fraud protection. Durango Merchant Services enhances this by offering payment gateways equipped with state-of-the-art fraud prevention tools, including real-time monitoring, address verification services (AVS), and card code verification (CCV). These tools are crucial for protecting your business from fraudulent transactions and maintaining the integrity of your payment processing.
Flexible Terms and Competitive Pricing: Operating a Adobe Commerce (Formerly Magento) store in a high-risk industry often involves working your way through complicated financial scenarios and regulations. Durango negotiates fiercely with our partner banks to offer, as much as is possible, flexible terms and competitive pricing that cater to your specific needs, allowing you to manage costs effectively while taking full advantage of Adobe Commerce (Formerly Magento)’s capabilities. We work with you to develop a pricing structure that aligns with your business model, ensuring you get the best value for your investment.
Expert Support: Adobe Commerce (Formerly Magento) is a powerful platform, so we have faith that you have access to the right shopping cart expertise to make it all work, but its complexity can be daunting, especially when combined with the challenges of high-risk payment processing and the technology behind state-of-the-art payment gateways. Durango provides expert support to help you manage your merchant account effectively. Our team is always available to address your concerns, optimize your payment setup, and ensure that your Adobe Commerce (Formerly Magento) store continues to thrive.
Benefits of Using a High-Risk Merchant Account and Payment Gateway with Adobe Commerce (Formerly Magento)
Adobe Commerce (Formerly Magento) is renowned for its flexibility and power, making it a top choice for businesses with complex needs. However, when you’re operating in a high-risk industry, you need more than just a strong e-commerce platform—you need a payment gateway that can handle the unique challenges your business faces.
Integrate Your Merchant Account & Adobe Commerce (Formerly Magento) With Ease
Durango Merchant Services understands that Adobe Commerce (Formerly Magento) users require payment solutions that integrate seamlessly with their stores. Adobe Commerce (Formerly Magento)’s open-source architecture allows for extensive customization, and Durango’s payment gateways are designed to complement this flexibility. Whether you’re managing multiple stores, handling a large inventory, or processing international transactions, our payment gateways integrate smoothly with Adobe Commerce (Formerly Magento)’s backend, ensuring that your payment processing is as efficient and secure as possible. If you are in need of custom API integration we can recommend a trusted developer to help you out and all gateways come with exceptional technical support.
High Risk Accounts Require Customizable Fraud and Chargeback Solutions
One of Adobe Commerce (Formerly Magento)’s greatest strengths is its ability to be tailored to fit the specific needs of your business. At Durango, we take a similar approach with our high-risk merchant accounts and payment gateways. We recognize that every high-risk business is different, and we offer customizable solutions that align with your unique requirements. Whether you need specialized fraud protection, multi-currency support, or advanced reporting capabilities, Durango has the tools to ensure your payment processing setup is as dynamic as your Adobe Commerce (Formerly Magento) store.
Given Adobe Commerce (Formerly Magento)’s popularity among high-risk industries, robust security measures are need to be top of mind. Durango Merchant Services enhances Adobe Commerce (Formerly Magento)’s native security features with advanced fraud prevention tools that are critical for protecting your transactions. Our payment gateways include real-time monitoring, machine learning capabilities, velocity checks, custom filters, and AVS, CCV, and other security measures designed to minimize the risk of fraudulent transactions and chargebacks. Utilization of these added layers of protection are your best friend for maintaining your business’s financial health and reputation and securing better processing rates in the future.
High Risk Payment Gateways & Adobe Commerce (Formerly Magento) Integration
Durango Merchant Services offers several top-tier payment gateway options that integrate seamlessly with Adobe Commerce (Formerly Magento)’s robust platform. Here’s how to get started with each one:
1. NMI Gateway Integration With Adobe Commerce (Formerly Magento)
Step 1: Access Adobe Commerce (Formerly Magento) Admin Panel
- Log in to your Adobe Commerce (Formerly Magento) admin panel and navigate to “Stores” > “Configuration.”
Step 2: Set Up NMI Payment Gateway
- In the configuration panel, select “Sales” > “Payment Methods” and choose “NMI” from the list of available gateways.
- Enter your NMI credentials, including the API Key and Security Key provided by Durango.
Step 3: Configure Gateway Settings
- Customize the gateway settings according to your business needs, including accepted payment methods, transaction types, and security preferences.
Step 4: Test and Activate
- Run test transactions to ensure the integration is working correctly.
- Once confirmed, activate the gateway to start processing live payments on your Adobe Commerce (Formerly Magento) store.
2. Authorize.Net Integration With Adobe Commerce (Formerly Magento)
Step 1: Navigate to Payment Methods in Adobe Commerce (Formerly Magento)
- From the Adobe Commerce (Formerly Magento) admin panel, go to “Stores” > “Configuration” > “Sales” > “Payment Methods.”
Step 2: Select Authorize.Net
- Choose “Authorize.Net” from the list and enter your API Login ID and Transaction Key provided by Durango.
Step 3: Customize Payment Options
- Configure additional settings, such as AVS (Address Verification Service) and CCV (Card Code Verification), to enhance security.
Step 4: Test and Launch
- Process test transactions in your Adobe Commerce (Formerly Magento) store to ensure the integration works seamlessly.
- Activate the gateway to begin accepting payments through Authorize.Net.
3. Leveraging Fluid Pay's Gateway Emulator: Seamless Integration without the Hassle
For high-risk merchants using Adobe Commerce (Formerly Magento), integrating a new payment gateway can be a complex and costly endeavor, especially when your business relies on existing payment integrations that have been fine-tuned over time. Fortunately, Fluid Pay’s Gateway Emulator offers a solution tailored to your needs, allowing you to transition to a more reliable payment processing setup without the headache of extensive redevelopment or coding.
Fluid Pay’s Gateway Emulator is designed to mimic the API of widely-used gateways, such as Authorize.Net, enabling seamless integration with your Adobe Commerce (Formerly Magento) store. If your business operates in a high-risk industry, you understand the importance of maintaining secure and stable payment processing. However, switching to a new gateway can often involve significant coding changes and potential disruptions to your operations. With Fluid Pay’s Gateway Emulator, you can bypass these challenges and connect to Fluid Pay’s system without altering the backend of your Adobe Commerce (Formerly Magento) platform.
Fluid Pay’s Gateway Emulator is designed to mimic the API of widely-used gateways, such as Authorize.Net, enabling seamless integration with your Adobe Commerce (Formerly Magento) store. If your business operates in a high-risk industry, you understand the importance of maintaining secure and stable payment processing. However, switching to a new gateway can often involve significant coding changes and potential disruptions to your operations. With Fluid Pay’s Gateway Emulator, you can bypass these challenges and connect to Fluid Pay’s system without altering the backend of your Adobe Commerce (Formerly Magento) platform.
Here’s how it works for high-risk merchants: Instead of having to re-engineer your entire payment setup to fit a new gateway’s specifications, the Gateway Emulator allows you to continue using the same API calls that your Adobe Commerce (Formerly Magento) store is already configured to handle. Fluid Pay’s system intercepts these API calls, translates them into its own format, and processes transactions as if they were being handled by the original gateway. This ensures that all your existing Adobe Commerce (Formerly Magento) integrations—whether they involve shopping carts, subscription management, or other third-party systems—remain fully operational and secure.
This approach can translate into significant cost and time savings. Avoiding the need to rebuild your payment processing setup means you can transition to Fluid Pay’s high-risk merchant services without the financial burden and downtime typically associated with such a move. Moreover, the Gateway Emulator minimizes operational disruptions, allowing your Adobe Commerce (Formerly Magento) store to maintain continuity during the transition.
Durango Merchant Services: Your Ticket to High-Risk Payment Gateway & Adobe Commerce (Formerly Magento) Integration
Expertise in High-Risk Industries
Durango has years of experience working with businesses in high-risk industries, making us uniquely qualified to support Adobe Commerce (Formerly Magento) users who need specialized payment solutions. Whether you’re dealing with complex product offerings, high transaction volumes, or international sales, Durango provides the expertise necessary to navigate the complexities of high-risk payment processing on Adobe Commerce (Formerly Magento).
Dedicated Support and Account Management
When you partner with Durango, you’re not just getting a payment processor—you’re gaining a dedicated account manager who is invested in your success. Our account managers are experts in high-risk industries and work closely with you to optimize your payment processing setup on Adobe Commerce (Formerly Magento). Whether it’s configuring your gateway, managing chargebacks, or ensuring compliance with industry regulations, we’re here to provide the support you need.
Flexible Pricing and Transparent Terms
Operating a Adobe Commerce (Formerly Magento) store often involves managing complex financial scenarios, especially in high-risk industries. Durango offers flexible terms and competitive pricing tailored to your specific needs, while also managing risk for our partner banks. We work with you to develop a negotiating position and pricing plan that aligns with your business model and currently situation, ensuring that you receive the best value while maintaining the functionality and security of your Adobe Commerce (Formerly Magento) store and security for processors as well. Even if you have to start off with some type of reserver, we are usually able to renegotiate for better rates after developing a track records that proves you have good business and customer management practices.
How to Get Started with Durango Merchant Services for Adobe Commerce (Formerly Magento)
Durango Merchant Services is more than just a payment processor middle man—we’re a trusted partner dedicated to supporting high-risk businesses, especially those using BigCommerce. Our specialized services are designed to meet the unique challenges of high-risk industries, offering tailored solutions that provide the stability, security, and support you need to thrive.
If you’re ready to secure reliable payment processing for your Adobe Commerce (Formerly Magento) store, getting started with Durango Merchant Services is straightforward.
Simple Application Process: Begin by applying for a high-risk merchant account with Durango. We’ll guide you through the application process, ensuring that all necessary information is provided and that you’re set up for success.
Integration and Setup: Once your account is approved, our team will assist you with integrating your chosen payment gateway with Adobe Commerce (Formerly Magento). We ensure that the setup process is smooth and that your store is ready to start accepting payments without delay.
Ongoing Support and Optimization: Durango provides ongoing support to ensure that your payment processing continues to operate efficiently. We regularly review your setup and make updates as needed, so you can focus on leveraging Adobe Commerce (Formerly Magento)’s powerful features to grow your business.
Ready to take the next step? Contact Durango Merchant Services today to learn more about how we can help you secure a high-risk merchant account and seamless payment gateway integration for your Adobe Commerce (Formerly Magento) store. Your business deserves the best, and with Durango, that’s exactly what you’ll get.
