PAYMENT PROCESSING FOR
HIGH-VOLUME
MERCHANTS

High-Volume_merchant

High-Volume merchant Account Services

All businesses strive to maximize their sales. Increased sales lead to more business profits, helping you run a successful enterprise. High-volume sales are a boon to businesses if customers pay you in cash for most transactions. But when customers pay you mostly with credit cards, you will find that a high sales volume can be a blessing and a curse. Businesses with more than $100,000 in monthly sales are labeled by banks as high-volume merchants.

You might think the “high-volume merchant” label is a badge of honor, but that designation can cause plenty of problems for your business. Some banks will provide you with a merchant account, but set limitations on your monthly transactions. If you process more than that limit, your high-volume merchant account can be frozen, flagged, or terminated. Other banks and payment processors will shun your business for being too risky to work with.

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Why are High-Volume Merchants Considered High-Risk?

The more products you sell, the more money you can make. However, as transaction volumes increase, so does the risk of fraud. With increased sales and higher volume payment processing comes more people using compromised credit card data to buy your products. Along with credit card fraud, high-volume and high-ticket merchant accounts also may experience significantly more chargebacks.

Chargebacks occur when customers dispute the purchase with their credit card company to get their money back. This can threaten high-volume merchant accounts and devastate businesses financially. If your chargeback ratio exceeds the average rate of one percent, banks may suspend or terminate your merchant account to reduce their exposure to financial risk. Excessive chargebacks also eat into your business profits, increasing the risk of bankruptcy.

Seamless MerchantSeamless Merchant

Process ACH and credit card payments for your retail, mobile, or e-commerce business. We offer both digital and physical terminals and convenient systems.

e-checkSeamlessChex

Process, verify, and accept eChecks right from your device. SeamlessChex takes eCheck processing into the modern era with no transaction limits and fast next-day deposits.

PaynotePaynote

Send or request payments on a one-time or recurring basis on our intuitive platform. Paynote makes A/P, A/R, and accounting for your business simple.

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How Seamless Chex Can Help High-Volume Merchants

Seamless Chex has more than 15 years of experience serving the payment needs of businesses in diverse industries. We have unique relationships with more than 25 banks, allowing us to get your high-volume merchant account approved with the transaction limits you need, with room to grow. High-volume merchants can use our payment platforms to process credit card, automated clearing house (ACH), and digital check payments without any pre-set limitations on their monthly sales volume.

Whether you are a fast-growing company or an established enterprise, Seamless Chex can help your business reduce the risks of processing high-volume payments. We employ cutting-edge fraud mitigation and chargeback reduction technologies to safeguard high-volume and high-ticket merchant accounts from the risk of termination. Along with preserving high-volume merchant accounts, our chargeback mitigation solutions also protect businesses from friendly fraud, improving cash flow and profitability.

Seamless Chex’s high-volume merchant services help:

  • Reduce payment fraud
  • Lower chargeback ratios
  • Protect merchant accounts
  • Process secure transactions
  • Improve business profitability

Partner With Seamless Chex to Process High-Volume Payments

Was your high-ticket or high-volume merchant account suspended or terminated by the processor or acquiring bank? Are limitations on your monthly sales hindering business growth? If you want to process a large number of transactions while protecting your business from fraud, Seamless Chex can help. Contact us to learn more about our Seamless Merchant services or sign up now to begin high-volume payment processing.