Best Merchant Accounts for E-Commerce

Best Merchant Accounts for E-Commerce

Buying and selling online has only been possible for a few decades. However, the eCommerce sector exploded in that period, challenging established retail industries and offering a new world of possibilities for consumers and merchants. Customers are no longer restricted to purchasing simply items that are accessible in their immediate vicinity.

Merchants, on the contrary, can increase their consumer base from simply those in their immediate vicinity to nearly the entire planet. Whether you want to launch an eCommerce-only firm or add a presence online to your current retail operation, you’ll need a few items before making your first transaction. So, here are the best merchant accounts for e-commerce.

Best Merchant Accounts for E-Commerce

For your company to remain relevant in today’s market, you must have some sort of digital presence. Your company’s online identity, whether it’s an entire website, an internet directory page, or a profile on social media, allows clients to study your product as well as contact you via the Internet.

You could create a completely working e-commerce website that allows users to shop for your online products quickly, publicly rave about them, and share their great experiences with other clients.


Payment Cloud Merchant Services
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Businesses that deal in high-risk items or services (think anything that may be classified as “vice”) will discover that they have considerably fewer payment processor options accessible to them. However, this does not imply that you should accept any service. PaymentCloud is an excellent illustration of what to search for in an elevated payment gateway.

PaymentCloud provides comprehensive eCommerce capabilities, including shopping cart connection, ACH acceptance, and the flexibility to use any supported payment gateway. As is typical for high-risk payment services, we need access to price information ahead of time.

 This is because companies like PaymentCloud shop your data around to numerous back-end processors in order to get you the best bargain possible. Typically, this entails tiered pricing, monthly minimum standards, and agreements (at least initially), but PaymentCloud will treat you fairly.


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Shopify is mainly remembered as an e-commerce solution for online retailers, but the business also provides iPad and iPhone point-of-sale software. The Shopify POS app accepts credit cards with a headphone jack card swiper or a $129 EMV reader.

It provides capabilities like product syncing with an online store, emailed invoices, automatic tax calculations, rudimentary online marketing, and in-store reimbursements. These online payment alternatives, as well as the knowledge of the Shopify brand, are beneficial to retailers, as their customers will feel safe and secure when using the service.

The Shopify payment platform can also be used with a Shopify web retailer offering several customization options. Shopify POS is an excellent choice for e-commerce enterprises that want to take payments on-site and use digital billing. Shopify has an “A+” rating from the Better Business Bureau, and we agree.

National Processing

national processing
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National Processing provides a variety of processing alternatives for small businesses and can assist e-commerce enterprises in selecting the most appropriate virtual terminals for their requirements. Both of the pricing alternatives that the company provides, an interchange-plus program and a “zero-fee” program, provide customers with prices that are on par with or lower than those of its competitors.

Only one complaint in the past three years has been lodged against National Processing, and it does not raise any serious concerns. As a result, the company has a spotless reputation. According to the findings of our impartial research, National Processing is a reliable choice for the vast majority of online retailers.

How to Choose the Right E-Commerce Merchant Accounts?

Merchant accounts are, regrettably, the most difficult to comprehend of all the services you will require to operate your internet business successfully. When selecting the ideal service provider (and most cost-effective) for your company, there is a lot of terminology and vocabulary that you aren’t familiar with, in addition to a whole host of possibilities that are confusing to choose from. We are standing by to lend a hand.

Processing fees

Understanding any eCommerce merchant service can be difficult. Still, one of the most complex components is calculating how much it will cost to execute a credit card payment for your customers.

Your service provider is required to make a deduction for the interchange fees, which are costs owed to the credit card organizations (i.e., Mastercard, Visa, etc.). They will also impose their expenses paid to the operator and the merchant services provider. However, this is typically only a tiny fraction of the overall cost of executing your transaction.


Do you already sell in physical locations but want to expand into online sales? Or are you going to start from scratch and operate exclusively online? Your expectations for a merchant account operator may shift due to this answer.

You possess a merchant account if you plan to sell your products in person rather than online. In that situation, you will want to search for a gateway as well as shopping cart support that is compatible with each other. If you’re starting, you could find that an all-in-one service is more convenient.

Contract terms

A fixed-length agreement with an initial period of three years, an annual renewal clause that stretches the service agreement for one-year time frames after that, as well as an early withdrawal fee (ETF) that the central processing unit will start charging you if you split your contract by having to close your account early is the industry norm for a merchant account.

This contract also includes an initial phase of three years, an auto-renewal clause that spreads the service agreement for one-year durations after that, and so on. On the other hand, an increasing number of services are just doing rid of long-term contracts and enabling users to pay month-to-month instead of signing a commitment. We strongly advise you to steer clear of merchant services that attempt to tie you into a contract unless you run a high-risk enterprise.


Although beginning an online business will never be simple, the process is significantly less complicated today than it was just a few short years ago. Whether you go with a payment processing service or join a full-service merchant for online sales, selecting the appropriate provider is an essential step in getting your company off the ground.

Businesses select these e-commerce merchants’ service providers so that they can take credit cards on their sites because the costs are minimal, the store builders are simple to use, and the customer care is excellent. You won’t make a mistake by going with any of the providers listed above, regardless of whether you run a brand-new company or an established internet store.

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