Get approved in as little as 24 hours. No setup fees, no hidden costs.
Get Started FreeHigh-Risk Industries · eCommerce
Selling online means taking card payments from customers you never meet. Doing it reliably takes two things working together: a merchant account at a bank that accepts your vertical, and an ecommerce credit card payment gateway that carries each transaction securely from your checkout to that bank. We set up both, together, for online stores that mainstream processors label high-risk.
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What ecommerce underwriters ask for
You're in the right place: this is the official PayKings page for eCommerce payment processing, and the terms are stated here rather than saved for a sales call: pricing starts at interchange plus 0.80%, every fee is disclosed in the merchant service agreement before you sign, and most merchants are approved within 24 hours. Explore our full range of high-risk merchant services, or read on for how the gateway works, what it costs, and which platforms we integrate with.
Your terms, before you sign
From 0.80%
Pricing starts at interchange plus 0.80%, with every fee disclosed in the merchant service agreement before you sign.
$45
Per chargeback — disclosed up front, with alert and management tools included to help keep disputes down.
24 hours
Most merchants are approved within 24 hours; a complete application is the fastest path.
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
A payment gateway is the software between your checkout and the card networks. When a customer submits card details, the gateway encrypts them, sends an authorization request through the card network to the customer's issuing bank, and returns the approval or decline to your store in seconds. The gateway never holds your money; approved funds settle through your merchant account.
That is why an online store needs both pieces, plus a shopping cart integration to connect them — and why we configure all three together instead of leaving you to assemble them. Our payment gateway for online card payments supports major credit and debit cards and digital wallets, including Apple Pay, Google Pay, and Samsung Pay.
Ecommerce payment processing is everything that happens between “place order” and money in your account:
The same flow handles ecommerce credit card processing, debit cards, digital wallets, and recurring billing. Your part is the checkout; ours is everything behind it.
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
The cheapest way to accept payments online is the way you can keep. Flat-rate aggregators look simple, but for a high-risk store the real cost of a frozen account or a forced migration is higher than any per-transaction saving. For most online merchants, interchange-plus pricing is the cheapest structure that lasts, because you pay the card networks' actual interchange fee plus a stated markup instead of a bundled rate that hides it.
Most merchants are approved within 24 hours. The fastest path is a complete file, so have these four items ready:
Once you are approved, your merchant account, gateway, and shopping cart integration are configured together, so you start accepting online credit card payments with nothing left to wire up.
Mainstream processors flag online stores for card-not-present fraud exposure, elevated chargeback ratios, recurring billing models, or the products they sell. The label is about the bank's exposure, not your competence.
We underwrite high-risk ecommerce businesses directly, review your business on its own merits, and place your application with acquiring banks that accept your vertical rather than sending it everywhere. See the full list of high-risk industries we serve.
Working with a high-risk underwriter also means reserves, rolling holds, and chargeback thresholds are set out before you sign — not imposed after a surprise review months into the contract.
Integrations
We integrate 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.
We operate as a high-risk gateway for Shopify stores. If your products fall outside what built-in processors accept, apply for a merchant account; once you are approved, our team connects the gateway to your Shopify checkout.
Customers keep the same cart-to-checkout flow, with 3D Secure authentication to reduce fraud on card-not-present orders.
For WordPress stores, we connect through gateway plugins and API integrations, so card and ACH/eCheck payments run inside your existing checkout while orders, inventory, and customer data stay in your store admin.
Magento merchants integrate through API connections and plugins — useful for larger catalogs that also tie payments into accounting software and CRM systems.
Still deciding where to build? Our guide to choosing the best ecommerce platform compares the major options.
Why PayKings
The best payment gateway for an ecommerce store is the one that approves your category and is still processing for you a year later. Aggregators built for low-risk sellers sign you up in minutes, then review what you sell after you are live — which is how merchants in restricted categories end up with holds, reserves, or closed accounts. Compare providers on:
Every transaction through our gateway is protected by:
Alongside major card brands and digital wallets, we support ACH/eChecks, mobile payment processing for contactless and in-app payments, buy now pay later services such as Klarna and Afterpay, and multi-currency processing for international sales. Recurring billing, subscription management, and virtual terminals for manual entry orders run on the same account. We do not support cryptocurrency transactions at this time.
Stable payment acceptance is the foundation; growth is the point. When processing is settled, our 7 Keys to eCommerce Success covers what to build next.
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.
