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Secure Payment Processing for BigCommerce with Durango Merchant Services
Running a BigCommerce store can be an exciting journey, but when your business is labeled as “high-risk,” finding reliable payment processing can become a real challenge. You deserve a payment solution that understands your unique needs, supports your growth, and doesn’t hold you back. That’s where Durango Merchant Services comes in. With our tailored high-risk merchant accounts and payment gateway integrations, you can focus on what you do best—running your business—while we take care of the rest.
Why BigCommerce Users Might Need a High-Risk Merchant Account & Payment Gateway
Operating a business in a high-risk industry brings with it a unique set of challenges, particularly when it comes to payment processing. If you’re a BigCommerce user, you’ve likely encountered some of these hurdles firsthand. But what exactly qualifies a business as high-risk, and why does this classification necessitate a specialized payment solution?
Understanding High-Risk Classification
The term “high-risk” is more than just a label—it’s a classification that can significantly impact how your business is perceived by financial institutions and payment processors. High-risk businesses are typically those that operate in industries where the likelihood of chargebacks, fraud, or regulatory scrutiny is higher than average. This includes sectors like online gaming, adult entertainment, supplements, travel services, and even certain types of e-commerce.
Here’s a closer look at what makes these industries high-risk:
Chargebacks: Businesses in high-risk industries often face a higher rate of chargebacks. Chargebacks can occur for various reasons, such as customer disputes, fraudulent transactions, or dissatisfaction with a product or service. High chargeback rates can signal instability to payment processors, making them wary of partnering with your business.
Fraud: Certain industries are more prone to fraudulent activities. For example, online gaming and adult entertainment sites may be frequent targets for fraudsters looking to exploit vulnerabilities in payment systems. The risk of fraud not only impacts your bottom line but also raises red flags for payment processors.
Regulatory Scrutiny: Industries like supplements or travel services are often subject to strict regulations and compliance requirements. The potential for legal complications or regulatory fines makes these businesses riskier to service from a payment processing perspective.
Financial Stability: Even if your business is financially sound, simply operating within a high-risk industry can make it difficult to secure a traditional merchant account. Payment processors may view the inherent risks associated with your industry as too great, regardless of your business’s financial health.
Here are some of the industries that are commonly considered high risk by payment processors. For a full list visit our article on how to open a high risk merchant account:
- Adult Entertainment
- Online Gambling and Gaming
- Travel Services
- Nutraceuticals and Supplements
- E-Cigarettes and Vaping Products
- Subscription-Based Services
- CBD and Cannabis Products
- Forex and Cryptocurrency Trading
- Online Dating Services
- Firearms and Ammunition Sales
Challenges with Traditional Payment Processors
The classification of your business as high-risk can lead to significant challenges when trying to work with traditional payment processors. These processors often operate under stringent risk management policies that limit their ability to serve high-risk businesses. Here’s how this can impact you:
Rejected Applications: Traditional payment processors may outright reject your application due to the perceived risks associated with your industry. This rejection can leave you scrambling to find alternative solutions at a time when your focus should be on growing your business.
Sudden Account Closures: Even if you manage to secure a merchant account with a traditional processor, there’s always the risk that your account could be suddenly closed. Payment processors constantly monitor their accounts for any signs of increased risk, and a spike in chargebacks or a suspected fraudulent transaction could trigger an account closure without warning.
Frozen Funds: One of the most disruptive experiences for a business is having its funds frozen. This can happen if a payment processor decides to hold onto your money as a precautionary measure due to perceived risk. This not only impacts your cash flow but can also damage your relationships with suppliers and customers.
Higher Fees: If a traditional processor does agree to work with your high-risk business, they may impose significantly higher fees to offset the perceived risk. These fees can include higher transaction rates, rolling reserves, and additional charges that eat into your profits.
The Importance of a Specialized Payment Solution
Given the challenges associated with traditional payment processors, it becomes clear why a specialized high-risk merchant account and payment gateway are essential for businesses operating in high-risk industries. This is where Durango Merchant Services comes into play, offering a lifeline to BigCommerce users who need reliable payment processing without the constant fear of disruptions.
Tailored Risk Management: Unlike traditional processors, Durango Merchant Services understands the specific risks associated with your industry and tailors our solutions accordingly. We assess your business’s unique needs and create a merchant account that aligns with your risk profile, allowing you to process payments smoothly and securely.
Stable Payment Processing: With Durango, you won’t have to worry about sudden account closures or frozen funds. Our high-risk merchant accounts are designed to provide stability, even in industries where the risk of chargebacks or fraud is higher. This means you can focus on running your business without the constant anxiety of losing access to your payment gateway.
Advanced Fraud Prevention: Durango’s payment gateways are equipped with cutting-edge fraud prevention tools designed to protect your business from fraudulent transactions. These tools not only safeguard your revenue but also help maintain a healthy relationship with your customers by reducing the risk of chargebacks.
Flexible Terms and Competitive Pricing: Understanding the financial pressures that come with operating a high-risk business, Durango offers flexible terms and competitive pricing tailored to your specific situation. We work with you to develop a pricing structure that supports your profitability while ensuring that your payment processing needs are met.
Expert Support: Navigating the complexities of high-risk payment processing can be daunting, but you don’t have to do it alone. Durango provides expert support to help you manage your merchant account effectively. Our team is always on hand to address any concerns, optimize your payment setup, and ensure that your business continues to thrive.
Running a high-risk business on BigCommerce presents unique challenges, particularly when it comes to securing reliable payment processing. Traditional payment processors often fall short in meeting the needs of high-risk businesses, leading to frustrations that can hinder your growth. That’s why a specialized high-risk merchant account and payment gateway are not just beneficial—they’re essential. With Durango Merchant Services, you gain access to tailored solutions that provide the stability, security, and support you need to keep your BigCommerce store running smoothly, no matter what.
Benefits of Using a High-Risk Payment Gateway with BigCommerce
Choosing the right payment gateway can make all the difference in how your business operates day-to-day. Here’s why integrating a high-risk payment gateway with BigCommerce through Durango Merchant Services can help your business thrive.
Seamless Integration with BigCommerce
One of the biggest advantages of working with Durango is the seamless integration of our payment gateways with your BigCommerce store. We ensure that the setup process is straightforward, allowing you to maintain the user-friendly experience and functionality that BigCommerce is known for. This means no disruptions to your business operations—just smooth, secure transactions.
Customizable Solutions for High-Risk Needs
Every business is unique, especially when you’re dealing with high-risk industries. That’s why we offer customizable payment gateway options that cater to your specific needs. Whether you need flexible processing options, advanced fraud protection, or tailored risk management, Durango has the tools and expertise to deliver solutions that fit your business perfectly.
Advanced Security and Fraud Prevention
High-risk businesses are often more vulnerable to fraud and chargebacks, which can severely impact your bottom line. Our payment gateways come equipped with advanced fraud prevention tools designed to protect your transactions and reduce the risk of chargebacks. With Durango, you can focus on growing your business without constantly worrying about security issues.
Stability and Reduced Risk of Account Closures
One of the biggest fears for high-risk businesses is the sudden closure of their merchant account. At Durango, we understand the complexities of your industry and work proactively to manage risks. Our experience in handling high-risk accounts means we’re less likely to take drastic actions like closing your account or freezing funds without notice, giving you the stability you need to operate confidently.
Integrate NMI Gateway, Authorize.Net, Fluid Pay, or Durango Pay Gateway with BigCommerce
For BigCommerce users, integrating a reliable high risk merchant account & payment gateway is crucial to ensuring that your store can process payments securely and efficiently. Durango Merchant Services offers several top-tier options that are easy to integrate with your BigCommerce store. Here’s how to get started with each one:
1. NMI Gateway Integration:
Step 1: Access the BigCommerce Control Panel
- Log in to your BigCommerce account and navigate to “Advanced Settings.”
Step 2: Set Up NMI Payment Gateway
- Select “Payment Providers,” then 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
- Adjust the settings to match your business needs, including payment methods, transaction types, and security preferences.
Step 4: Test and Activate
- Run test transactions to ensure everything is working correctly.
- Once confirmed, activate the gateway to start processing live payments.
2. Authorize.Net Integration:
Step 1: Navigate to Payment Providers in BigCommerce
- From the BigCommerce control panel, go to “Advanced Settings” and click on “Payment Providers.”
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).
Step 3: Customize Payment Options
- Configure additional settings, such as AVS (Address Verification Service) and CCV (Card Code Verification).
Step 4: Test and Launch
- Process test transactions to ensure the integration works seamlessly.
- Activate the gateway to begin accepting payments through Authorize.Net.
The Importance of a Specialized Solution for BigCommerce Users Considered High Risk
When operating in a high-risk industry, having the right payment processing solution is one of the best decisions for the success and stability of your business. Traditional payment processors often fall short in meeting the specific needs of high-risk businesses, which can lead to preventable operational disruptions. This is where Durango Merchant Services shines, offering BigCommerce users a specialized solution that’s designed to handle the complexities of high-risk payment processing while supporting your business’s growth and security.
Durango Merchant Services: A Trusted Partner for High-Risk Businesses
Durango Merchant Services has built a strong reputation over the years as a leading provider of high-risk merchant accounts. We are known for our commitment to helping businesses that operate in challenging industries, where traditional payment processors either refuse service or impose restrictive conditions. Our experience and expertise in the high-risk sector set us apart, making us the go-to choice for businesses that need a reliable, secure, and tailored payment processing solution.
Here’s how our specialized services apply specifically to BigCommerce users:
Tailored Risk Management for BigCommerce Stores
One of the major things that differentiate Durango Merchant Services is our approach to risk management. We don’t believe in a one-size-fits-all solution, especially when it comes to high-risk businesses. Instead, we take the time to understand the specific risks associated with your industry and tailor our services to meet those needs.
For BigCommerce users, this means receiving a high-risk merchant account that is customized to fit the unique requirements of your online store. Whether you’re dealing with high chargeback rates, large transaction volumes, or industry-specific challenges, Durango Merchant Services provides a merchant account that is aligned with your business operations. This personalized approach not only helps mitigate risks but also ensures that your payment processing remains smooth and uninterrupted. Furthermore, it can lead to better rates and terms in the long run.
Easy & Comprehensive Integration with BigCommerce
Durango Merchant Services understands the importance of easy and comprehensive integration when it comes to e-commerce platforms like BigCommerce. Our payment gateways are designed to integrate effortlessly with BigCommerce, ensuring that you can maintain the platform’s user-friendly experience and functionality while benefiting from the robust security and reliability of our services. In addition, our gateways have “gateway emulators” to make the switch or new functionality easy to implement in your business.
We offer multiple payment gateway options, including NMI Gateway, Fluid Pay, and our own Durango Pay Gateway, all of which are optimized for high-risk transactions. This means that BigCommerce users can enjoy the peace of mind that comes with knowing their payment processing is backed by a provider that understands the intricacies of high-risk industries.
Advanced Security and Fraud Prevention for BigCommerce
High-risk businesses, particularly those operating on BigCommerce, are often more susceptible to fraud and chargebacks. Durango Merchant Services is renowned for its advanced security measures and fraud prevention tools, which are critical for protecting your business and ensuring that transactions are processed securely.
Our payment gateways come equipped with sophisticated fraud detection systems, including real-time monitoring, address verification services (AVS), and card code verification (CCV). These tools help prevent fraudulent transactions from going through, reducing the risk of chargebacks and protecting your revenue. For BigCommerce users, this level of security is essential for maintaining customer trust and safeguarding your business’s financial health.
Stability and Reduced Risk of Account Closures
One of the most significant concerns for high-risk businesses is the threat of sudden account closures or frozen funds, which can disrupt your cash flow and impact your ability to operate. Durango Merchant Services is known for its stability and commitment to its clients. We understand the unique challenges faced by high-risk businesses and work proactively to prevent issues before they arise.
For BigCommerce users, this means you can focus on running your store without the constant worry of losing access to your payment processing. Our high-risk merchant accounts are designed to be stable and reliable, even in industries where the risk of chargebacks or fraud is higher. By partnering with Durango, you gain a level of security and stability that is crucial for long-term success.
Flexible Terms and Competitive Pricing
Durango Merchant Services recognizes that every business has different financial needs, especially those operating in high-risk industries. That’s why we offer flexible terms and competitive pricing that are tailored to your specific situation. Our goal is to provide a pricing structure that supports your profitability while ensuring that your payment processing risk management needs are fully met. We have long standing and good relationships with our network of banks and work on behalf of our clients to get the best deal possible.
Dedicated Support and Account Management
Durango Merchant Services is committed to providing exceptional customer support, a cornerstone of our reputation. When you partner with us, 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 and resolve any issues that may arise.
For BigCommerce users, this means having a reliable point of contact who understands your business and is ready to assist you at every stage. Whether you’re navigating the complexities of payment gateway integration or need help managing chargebacks, your Durango account manager is there to provide the support you need to keep your business running smoothly.
The Durango Difference for BigCommerce Users
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.
From tailored risk management and seamless BigCommerce integration to advanced security measures and dedicated support, Durango Merchant Services offers everything you need to ensure your high-risk business succeeds. By choosing Durango, you’re not just securing a payment processor—you’re partnering with a team that’s committed to your long-term success.
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 BigCommerce store. Your business deserves the best, and with Durango, that’s exactly what you’ll get.
