Seemingly every day, more and more business takes place on the internet, through mobile apps, or via other digital platforms. The way the average person interfaces with brands and with the world around them has changed considerably over the past 15 or 20 years, to the point where virtually no modern business can ignore the importance of the internet. Consequently, web designers, search engine optimization (SEO) experts, and other web services businesses have increased in relevance and importance. These companies play an important role in helping brands from all industries compete and stay visible in a busy and noisy business landscape. Yet, despite this importance and the demand it drives, many web design or SEO companies struggle to find merchant account solutions for their businesses.

We work with web-based businesses

At Premier One Payments, we are proud to work with web designs, web developers, SEO experts, search engine marketers, app developers, and other businesses whose services revolve around the internet. Our point of difference from other credit card/payment processors is that we are willing to work with businesses that our competitors see as “high-risk.” From web designers to vape store owners to debt collectors and beyond, our clientele is made up of merchants with which other merchant account service providers are hesitant to work.

Our belief is that many of the businesses that are typically considered to be “high-risk” in the merchant account industry are also providing very important services. Debt collection agencies, for instance, play a vital role in an economy that is saddled with huge levels of debt – student loans, credit cards, home loans, and auto loan debt. Web developers and SEO companies, meanwhile, are playing a vital role in helping businesses that maybe aren’t as tech-savvy navigate the challenges of modern web marketing, engagement, and conversion.

To help support these businesses, we offer high-quality solutions in the form of our web design and SEO merchant accounts. With high approval rates, quick approval turnaround times, chargeback protection, and no setup fees, we are the merchant account services provider you have been seeking for your business.

Why are web companies are considered risky?

If you’ve been struggling to secure a web design merchant account for your web development company, your first question is probably about why this whole process is so difficult. These days, virtually every business accepts credit and debit card payments. In order to accept those types of payments, businesses need to have merchant accounts with credit card processors. And if so many other businesses can get merchant accounts, why is it so hard to get those approvals in an industry that is robust, relatively stable in terms of demand, and full of potential for continued future growth?

There are a few reasons that many merchant account companies steer clear of most web services companies. For one thing, businesses that offer web development, SEO, app development, and other similar services generally have “big-ticket dimensions” (or large average transactions). Think about web services companies in comparison to retail stores. According to a study conducted by the point-of-sale company Vend, the average retail transaction value in 2018 was $53.98. The à la carte nature of retail leaves the door open for fairly small transactions, which credit card processors like because they reduce the risk of a single chargeback being too detrimental. In comparison, web services companies are typically billing for large, multi-part projects: full website designs; sprawling SEO and content development projects; complete mobile app builds. These transaction values are likely to land in the thousands of dollars, if not higher. Add the fact that web services companies have many fewer transactions than a retail store, and the significance of a single disputed transaction becomes a lot more important.

A significant lead time between billing for a project and the service delivery is another factor is that web services companies must overcome. Your business likely requires clients to pay some or all of the service price upfront, which means customers are paying for something before they see any work done. This lag time between billing and service delivery increases the risk of the customer feeling as if the work wasn’t completed as they intended or wasn’t done to a quality standard. As a result, customers of web services companies are statistically more likely to dispute charges with their credit card company, leading to costly chargebacks.

Finally, many credit card processors are still judging web developers and other web services businesses on the sins of a few disreputable agencies. Especially in the early days of the internet, many web designers or self-proclaimed SEO experts billed clients for services that were either never delivered or were so dire in quality they may as well have not been delivered. These disreputable agencies rarely offered refund policies and sometimes disappeared entirely, to the point where customers had legitimate fraud claims against them. Left with little recourse to recoup their upfront payments, clients initiated chargebacks with their credit card companies on the charges billed by the web services companies. Credit card processors got stung badly by these incidents, to the point where many of them decided not to work with web design companies, app developers, or other similar businesses.

For all three of these reasons, most United States sponsor banks are reluctant (or entirely unwilling) to underwrite merchant accounts for web developers, programmers, SEO companies, and the like. As a result, it can be extremely difficult for companies in these industries to establish the accounts necessary to accept credit and debit card transactions. Only being able to accept cash or check payments, meanwhile, can be a nail in the coffin of these businesses, which need to offer simple, convenient, and tech-friendly payment options to suit the all-online nature of their businesses.

We provide stellar merchant account solutions for your web business

If you are seeking a web design merchant account or an SEO merchant account, look no further than Premier One Payments.

We are here to help you grow your business, even if every other credit card processor you have approached has said no. 98 percent of the businesses which apply for accounts with us are approved, and see those approvals come through within 48 hours. We aren’t scared away by the factors that spook other merchant account service providers, like big transactions or past problems with fraud in the web design and development industries. We have protection in place to monitor chargebacks, review them, and contest them where possible. Our merchant accounts not only give you the ability to accept credit and debit card payments, but also enable you to accept other tech-savvy payment methods, such as eCheck. Not having a credit card processor makes doing business more difficult—especially in industries such as web or app development. We make doing business easier by offering a payment processing platform so intuitive that you can focus squarely on other things.

Are you interested in learning more about our merchant account solutions, or about the specific selling points we offer that you might not find with every credit card processor? To get started with Premier One Payments, get in touch with us today. We’ll get your application process started ASAP, with the goal of getting you approved—and setting up your merchant account for payments—within a matter of days.


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