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Get Started FreeHigh-Risk Industries · eCommerce
Ecommerce credit card processing is the system that allows customers to order and make online payments seamlessly. PayKings provides state-of-the-art e-commerce payment processing solutions and merchant accounts designed to meet the unique needs of online businesses — including high-risk merchants that mainstream processors often turn away — ensuring smooth transactions and enhanced security.
Be approval-ready
What ecommerce underwriters ask for
You're in the right place: this is the official PayKings page for eCommerce payment processing. PayKings specializes in merchant accounts and payment gateways for online businesses that mainstream processors label high risk. Explore our full range of high-risk merchant services or read on to see how our eCommerce solutions work, what they cost, and which platforms we integrate with.
Your terms, before you sign
IC+
Interchange-plus pricing: the card networks' interchange fee plus a stated markup, instead of a bundled flat rate.
$45
Per chargeback — disclosed up front, with alert and management tools to help keep disputes down.
Apply
Getting set up
Begin with our straightforward online application to start your merchant account setup process.
Provide essential documents to support your merchant account application.
Our experts guide you through the underwriting process to ensure a smooth and efficient approval.
Begin accepting payments seamlessly and focus on growing your revenue.
How it works
Ecommerce credit card processing begins at checkout and clears in seconds:
To make all of this happen behind the scenes, an e-commerce merchant needs a merchant account, a payment gateway, and supporting payment processing solutions such as a shopping cart integration — and PayKings sets up all three together.
PayKings keeps your transactions secure with:
The payment flow
Every transaction moves securely through your gateway, our processing, and the acquiring bank — then settles to your account.
Customer
Enters card
Gateway
Encrypts & routes
PayKings
Processes
Acquiring bank
Authorizes
Settled
Funds deposited
Accounts & pricing
Many online stores are labeled high risk by mainstream processors — often because of card-not-present fraud exposure, elevated chargeback ratios, recurring billing models, or the products they sell. That label shouldn't keep you from accepting payments.
PayKings provides ecommerce merchant services built around high-risk underwriting: we review your business on its own merits and work with acquiring banks that accept your vertical. See the full list of high-risk industries we serve.
To keep underwriting for your ecommerce merchant account moving quickly, have these documents ready:
Approval timelines vary with your business profile and documentation, and submitting a complete application up front is the best way to avoid delays. Once you're approved, your merchant account, payment gateway, and shopping cart integration are configured together so you can start accepting credit card payments online.
PayKings offers competitively priced interchange-plus pricing for ecommerce payment processing. With interchange plus, you pay the interchange fee — the fee the acquiring bank pays the issuing bank on each payment card transaction — plus a stated markup, so you can see what each transaction actually costs.
Why PayKings
In the competitive world of e-commerce, having a reliable and efficient online credit card processing solution is crucial. At PayKings, we offer state-of-the-art solutions designed to meet the unique needs of online businesses, ensuring smooth transactions and enhanced security.
PayKings covers everything from merchant accounts to lower payment processing fees. Our e-commerce credit card processing services help your online store streamline operations, reduce fraud risks, and improve customer experiences.
PayKings supports every part of the online checkout:
The best ecommerce merchant services for your store depend on your risk profile. Mainstream payment aggregators are built for low-risk sellers: sign-up is fast, but merchants in restricted categories can run into holds, reserves, or account closures once the processor reviews what they sell.
If you operate in a high-risk category, compare ecommerce credit card processing providers on these criteria:
Integrations
PayKings integrates with the ecommerce platforms high-risk merchants already use, so you can accept payments directly from your online shopping cart and manage inventory, sales, and customer payment information in one place.
PayKings works as a high-risk payment gateway for Shopify stores. If your products fall outside the categories that mainstream, built-in processors typically accept, you can apply for a PayKings merchant account, and once you're approved, our team helps you connect the gateway to your Shopify checkout.
Your customers keep the same familiar cart-to-checkout flow, with support for major credit cards, digital wallets, and 3D Secure authentication to help reduce fraud on card-not-present orders.
For WordPress stores running WooCommerce, PayKings connects through gateway plugins and API integrations, letting you take credit card and ACH/eCheck payments inside your existing checkout while keeping order, inventory, and customer data in your store admin.
Magento merchants can integrate the PayKings payment gateway through API connections and plugins — useful for larger catalogs that also tie payments into accounting software and CRM tools.
And because many shoppers buy from their phones, our gateway pairs with mobile payment processing so contactless and mobile wallet payments work across devices.
What's included
Get started
The difference
Built for the businesses other processors turn away.
FAQ
Everything you need to know about high-risk payment processing
See how PayKings supports adjacent verticals and the payment solutions that pair with them.
