Start Your eCommerce Business Off The Right Way

By finding a reliable merchant provider.

When it comes to finding great online payment processing solutions, some companies are simply better for the job than others. Your ecommerce business needs a company that has the right experience to handle your merchant accounts, even if they are high risk.

We Work With: Merchant Payment Options


No Obligation
Rates as low as 1%

*Rates quoted as the % above normal card interchange
costs, dues, fees, and assessments.

Don’t Settle for anything but the Best

eCommerce Merchant Processing

When you are searching for a payment processing provider trust is essential. You need to make sure your merchant provider has the right security measures in place so all of your information and your clients’, as well, remains private.

When you trust eMerchant Authority to handle your merchant accounts you can be reassured that we have top of the line security that keeps all of your information safe. If you don’t believe us, let our customer track record speak for itself.

Give us a call today so we can discuss your options for account security and fraud protection.

Since every business is different, eMerchant Authority has many different key features to help your business get the best fit.

 Our specialists will help you determine which account is the right one for your business so you don’t have to second guess.
 They will make sure you understand everything that is important for taking your account in the right direction.
 Online credit card processing has never been easier, eMerchant authority is ready with solutions for all types of businesses.

Aside from tight security and easy payment solutions, eMerchant Authority offers more than what other payment processing company does. Send in an application today to get the benefits that you deserve.

How Online Ecommerce Credit Card Processing is Continuously Growing

Over half of Americans prefer to shop online instead of in the store. Can you blame them? Not only do they save time, but also don’t have to deal with crowds. They can stay in their comfortable pajamas without judgment from other shoppers.

Each year that goes by, eCommerce businesses see a bigger slice of the profit pie. That is why most, if not all, brands are going online. This is the natural evolution of systems due to consumers’ love for convenience.

What makes online shopping more convenient? Speed up the checkout experience by letting them pay online for their purchases right then and there. The most commonly used payment methods for online transactions are credit or debit cards.

If you’re an eCommerce business owner, then it is a good idea to start your merchant account off the right way. You need a reliable eCommerce payment processing provider that will not discriminate.

Many online businesses are considered high risk because the card isn’t present at the time of purchase. With banks and many other payment processing providers that means higher rates. Skip out on that nonsense by turning to eMerchant Authority to handle your merchant account. 

We know that online credit card processing is growing and more consumers prefer that method of payment. That’s why we keep our rates fair. Our experts know how to handle a high risk account properly and don’t use that as an excuse to charge you an arm and a leg.

ecommerce online payment account

eCommerce Businesses Are The New Normal

Online shopping and other forms of eCommerce merchant services are growing like never before. The effects that the 2020 COVID-19 pandemic put on the economy has completely changed the way people do their shopping. Instead of filling up their wallets with cash and going to the mall to hit up their favorite stores, customers are now more likely to fill out their credit card information online and start buying goods and services digitally. 

When it comes to ecommerce businesses, there are three main types:

Lending & Debt Merchant Account


Online shopping, known as business to consumer

Lending & Debt Merchant Account


Business to business, as in manufacturers to businesses.

Lending & Debt Merchant Account


Consumer to consumer; online platforms like Ebay or Etsy

Each year, the annual profits from ecommerce exceed hundreds of billions of dollars. With online business being the new normal the profits are likely to increase even greater. By the end of 2018 ecommerce businesses brought in more than 400 billion dollars. These numbers just go to show that the eCommerce business is the new frontier.

So, whether your business caters to direct consumers or other businesses, eMerchant Authority has got you covered. After a professional consultation with our specialist, you will receive an eCommerce merchant account that best fits your type of business.

Frequently Asked Questions

What Is eCommerce and How Does It Work?

Electronic commerce or e-commerce is the purchase and sale of services and goods or the transmission of data or funds through the internet. Some transactions done through e-commerce accounts include business-to-consumer (B2C), business-to-business (B2B), consumer-to-business, or consumer-to-consumer. 

The terms e-business and e-commerce may be used interchangeably to refer to the transactional processes involving online retail shopping. Potential clients navigate to e-commerce sites through paid advertisements, search engines, and referral traffic. The website then links to a database containing large volumes of data on the products, categories, product weight and dimensions, content and articles, and the website’s images. 

Next, the site requests the data to render requested merchant accounts for e-commerce pages dynamically. After visiting the e-commerce website, you will add a service or product to a virtual shopping cart and choose whether to check out. Then, you complete the checkout procedure and conclude the transaction. Credit cards’ info is encrypted and forwarded to payment gateways like PayPal, remotely and securely handling the e-commerce credit card processing.

Upon the order and payment completion, the website usually shows the estimated shipping duration, special transaction number, and postal tracking number. A great deal of the processes is automated. While transactions continue, orders are maintained in the website admin and forwarded to the order fulfillment department.

What Are the Different Types of eCommerce?

The different e-commerce platform types include:

Business-to-Business (B2B)

B2B business models involve conducting trade between two or more companies or businesses. The trade channels typically include ordinary wholesalers and producers dealing with retailers.

Business-to-Consumer (B2C)

This business model deals with e-commerce’s retail aspects: selling services and goods to end consumers via digital channels. The platform allows consumers to get a detailed look at the procurements before making orders. Then, after placing the order, the agent/company receiving it delivers it to the consumer. Some of the most well-known businesses using this B2C e-commerce are Amazon, Wish, and Alibaba.

Consumer-to-Consumer (C2C)

A consumer can leverage this model to sell used goods or services to fellow consumers via the digital platform. However, transactions occur via a third-party platform such as Quickr or OLX.

Consumer-to-Business (C2B)

C2B business model is the exact opposite of B2C models. While in B2C, business services the consumer, in C2B, end consumers get the chance to sell their services and products to companies. The model is common in crowdsourcing-based projects, typically designing logos and selling royalty-free photographs, media, or design elements.

Business-to-Administration (B2A)

B2A business models facilitate online transactions between public administration and companies. This is done by enabling information exchange via central websites. In addition, it offers businesses a bidding platform for government openings like tenders, auctions, and application submissions. The model currently has an enhanced scope due to investments in e-government. 

Consumer-to-Administration (C2A)

Consumer-to-administration platforms are tailored for consumers to post feedback or information on public sectors from government administration or authorities. Its application areas include the following:

  • Distance learning
  • Information dissemination
  • Tax return filings
  • Statutory payments remittances
  • Seeking appointments, information on health services payments, and illnesses. 
What Is an eCommerce Transaction Fee?

An e-commerce transaction fee is the expense businesses or buyers pay to online payment service providers every time a client makes an electronically processed payment. This transaction fee may vary according to the service provider. However, it typically ranges from 0.5% to 5% in addition to other fixed charges.

E-commerce merchant service providers team up with merchant acquiring banks to establish electronic payment procedures and deposit the funds to the e-commerce merchant account. As a result, e-commerce transaction fees often consist of a processor fee and an acquirer fee. 

Is eCommerce Suitable for Every Business Type?

Presently, provided you have a smartphone and access to the internet, you can create an e-commerce account to sell or buy anything. However, does this mean all businesses should set up e-commerce merchant accounts

That depends on your products or services, your target market, and geographical scope. Most businesses that would benefit from setting up an e-commerce account include those selling and shipping products and companies that provide online consultation or software products. There are services that you can’t offer online such as dentistry. You can advertise these services online, but your clients will have to visit your office to get them.

Need A Merchant Account Quick?


On average, 4 out of 5 Americans make an online purchase every month. Without a credit or debit card online payment processor, your business is at a sure disadvantage. You are losing out on 80% of potential sales that you could have gained if you only had an online payment service provider.

Major financial institutions like Chase, PayPal, and Wells Fargo offer online card payment processing services. This speeds up the online checkout process for customers and offers a convenient payment solution for eCommerce merchants.

However, new online businesses experience difficulties when applying for a merchant account with a big payment processing company. This is due to factors that make a merchant high risk. If you have a bad credit score, have a high incidence of chargebacks, or if your company falls under the category of industries that are considered high-risk businesses, then you are out of luck.

The next aspect that you need to consider when applying for a merchant account is the merchant fees. You need to carefully read the fine print in the contract before signing it. Annual fees, monthly minimum fees, credit card processing fees, and statement fees are just some of the charges that you should expect from your payment service provider. To avoid incurring additional costs and paying more than you can afford, choose a company that is transparent with its fees and offers the lowest rates to help your business earn more.

At eMerchant Authority, you will have a fair chance of getting your merchant account approved even if you’re in the high-risk category. Our team of experts is experienced in mitigating losses, and we are ready to take the risk with you. You also get transparency with each cost and expense every step of the way. No surprise hidden fees that will come to bite you in the end.

With the partnership of a reliable and affordable online payment processor, your business will thrive. Because at eMerchant Authority, your success is ours, too.

Apply for a merchant account today!

Why eMerchant Authority is The Best Provider For ecommerce Businesses

Our eCommerce credit card payment processing services will allow your business to start accepting all forms of electronic payments, while keeping everything easy for you and your customers. Our experts can help set you up on the right plan to take your business to the next level. Some of the amazing features you can get with eMerchant Authority include:

Pawn Shop Credit Card Processing

Online shopping cart support

Credit Card POS

Several payment gateway options

Auto Warranties

Free payment plugin modules

Recurring Billing Merchant Account

Alerts and management for chargebacks

Merchant Account Statement

Fraud prevention and robust reporting

We can integrate our payment processing solutions to your ecommerce business effortlessly, not to mention affordably too! This allows your customers to have a great shopping experience without any hassles when it comes to paying. The experts at eMerchant Authority strive in helping ecommerce businesses reach their sales goals and go beyond. 

Every business needs something different when it comes to online payment solutions, and we are here to help.