Web Design Credit Card Processing
The internet remains the single biggest marketplace in the world today. According to Statista, annual global e-retail sales of $2.3 trillion are expected to reach $4.48 trillion by 2021. The epicenter of internet sales are websites, which act as digital “storefronts,” all created by web designers and web developers. Web design credit card processing and web development credit card payments allow both independent contractors, as well as smaller agencies, to accept payments and also provide these services to their clients to do the same.
What are Web Design Credit Card Processing Referrals?
Some of these agencies even refer clients back to the payment processor for a referral fee. These strategic partnerships allow these development teams to provide plug-and-play solutions to their portfolio of businesses while also generating ongoing recurring revenues from the clients they refer.
Having a rock-solid payment solution allows these agencies to provide ancillary products like virtual terminals, APIs, Mobile payment solutions which in turn help increase their offerings.
Making the Best Choice on a Web Development Payment Gateway
In order to conduct business in this environment, web design agencies, web developers and web hosting companies must be able to provide web design credit card processing, or they run the risk of losing their clients. The best way to feel comfortable about referring to these payment solutions is by initially testing the products before referring them out. SecureGlobalpay has created a nice demo for this exact purpose. Our wide range of products and services allows for easy integration with top-notch customer support.
The ultimate merchant solution with SecureGlobalPay is a full-service is a credit card payment gateway for your web developers to start accepting payments, as well as offering payments as a service to your clientele. This also requires the participation of a payment processor and payment service provider.
Web Developer Credit Card Processing – Subscriptions
What is a web developer subscription payment processor? This is a payment processor that allows for higher-risk transactions utilizing recurring billing options. Payments for subscriptions, also called recurring billing, can be set up in advance or on the fly. Subscription for web design credit card processing payments tend to be set, monthly, quarterly, or yearly, until a customer withdraws permission or cancels the subscription.
Despite the profits in the industry, many banks and traditional financial institutions are reluctant to partner with website design businesses and developers. This is where SecureGlobalPay comes in.
High-Risk Web Development Payment Processing – Chargebacks
Chargebacks occur when disputes are launched by customers over credit card transactions. These can be started for any number of reasons. In the case of ‘friendly fraud,’ customers simply decide they do not want the product or service they originally purchased. They simply cancel the transaction.
Still, other customers will file a dispute with full intent to defraud the merchant. Credit card issuers will often side with the cardholder. Issuing banks will be naturally sympathetic to their clients’ point-of-view as opposed to the hard-to-place merchants.
When chargebacks occur due to unauthorized charges for web design credit card processing, payment processors and banks require merchants to refund the cost of a disputed transaction. Web design payments that accrue too many chargebacks can find their merchant accounts heavily restricted and sometimes terminated.
Web Development Credit Card Payments – Reasons for Chargebacks
In the case of web development credit card processing, a customer may decide they don’t care for the finished product. In such cases, they will not pay, or occasionally, they will dispute the charge. This causes a loss in revenue. In addition to lost time, merchants stand to lose the sale as well as the cost of any fees charged by banks.
Chargebacks can also occur for reasons that have to do with customers disputing a charge due to a lack of communication, billing errors, and bad customer support. Small designers don’t have the staff available for 24/7 customer care. The lack of availability to resolve the issue can cause customer complaints and non-payment, leading to a rise in chargebacks.
Web Development Payment Processing – The Solution
Web development payment processing merchants need to protect their businesses against the dangers of fraud and chargebacks when accepting payments. Furthermore, they need to partner with an online payment services provider experienced in dealing with both emerging and established businesses.
SecureGlobalPay has the web design credit card processing expertise to help. Our experienced staff is knowledgeable and friendly, and ready to answer your questions. Our full-service online payment processing plan includes chargeback mitigation and fraud detection tools.
Complete our easy online application now and begin processing payments in as little as 24 hours.
Web Development Credit Card Payments – The Application Process
Begin by filling out SecureGlobalPay’s online application form for web developement credit card processing .
An application does not guarantee web design credit card processing approval. However, merchants who do obtain underwriter approval can begin processing credit card payments in as little as 24 hours.
Web Developement Credit Card Processing – The Underwriter’s Review
Underwriters are charged with confirming that an applicant is running a law-abiding, reputable business.
Click our FAQs for a preview of what to expect during the underwriter’s review of your merchant account.
During their review, underwriters look at many factors to ensure credit card processors are not taking on any unnecessary risk.
Factors that determine a business’ risk include:
- A history of high chargeback (credit card transaction disputes) ratios
- Bank statements
- Credit card processing history
- Credit scores
- Negative bank account balances
- Unpaid bills and late payments
When a merchant goes through underwriting for web development payment processing with a High-Risk Payment Processor, they can best prepare by settling any unpaid debts and putting some savings in the bank. It is also best to have the principal with the best credit apply. Taking these steps will improve your chances of approval and diminish the likelihood your account will be restricted by processing volume caps, mandatory holdbacks or a rolling reserve.
Fighting Chargebacks
It is essential to be prepared and have a chargeback management plan for credit card transactions. SecureGlobalPay is ready to help.
If you are considered a High-Risk Merchant, practicing good record-keeping on all credit card charges is critical to your chargeback management plan. Record the date, time, and amount of each transaction. If possible, also record the IP address of the customer’s computer. Having this information available will help fight chargeback disputes.
Good communication with your High-Risk Payment Processor is also vital. Make sure your business’ name, contact information, and return/refund policies are clearly displayed on all company correspondence. This includes websites, e-mails, bills, receipts, surveys, and other correspondence. Keeping your name at the forefront of your customer’s minds can help avoid surprises on their credit card statements.
Having knowledgeable web design credit card processing specialists, friendly customer service staff available to answer customer concerns will go a long way toward mitigating problems with chargebacks. If customers can call and have their concerns heard, they are more likely to be flexible. They are more likely to accept a refund or an apology than to initiate a dispute. Make sure communication is available, timely, and helpful.
In Conclusion – Web Design Credit Card Processing
Working with a dependable High-Risk Payment Processor and merchant service provider is vital. They specialize in hard-to-place Merchants and can help you navigate obstacles like demanding customers and inflexible banks. Insist on a merchant service provider with expertise in working with high-risk businesses and is accustomed to accepting payments for hard-to-place business types.
Your best bet is to work with SecureGlobalPay. As a specialist in high-risk merchant accounts, SecureGlobalPay provides web design card payment processing solutions for merchants of all sizes and backgrounds. Additionally, SecureGlobalPay offers fraud filters and mitigation tools to help prevent chargebacks.
