eCommerce Merchant Account Solutions

PaymentCloud is a full service eCommerce merchant account provider, trusted by tens of thousands of merchants nationwide. We can help at every step of the way—from application to integration. Our seasoned account representatives will walk you through exactly what to expect. Once approved, our deployment team will set you up with a gateway or integrate with your existing one.

What is an eCommerce Merchant Account?

A merchant account is a kind of bank account your business holds with a merchant services provider that allows you to process electronic payments and credit card transactions. All deposits into this account are then transferred to your primary business checking account.

If you’re the owner of an eCommerce business, you understand your business must accept credit card payments in an online environment. That being said, choosing the right merchant services provider for your eCommerce business is no easy task. With so many online processors available you need to figure out which one is most suitable for your business needs.

With an eCommerce merchant account, our merchant services are tailored to your unique business. Whether you’re a one-person-show or a burgeoning enterprise, we’ve got merchant solutions for you.

If you’re wondering about cost, check out our ultimate guide to average merchant account fees.

Online Merchant Account Features

One-time payments

Seamlessly connect your payment gateway to your eCommerce shopping cart for easy one-time payments. Whether you’re selling clothing, skincare, or firearms, we offer secure payment solutions with next-day funding available.

Recurring billing

For businesses that offer ongoing subscriptions and recurring payments, we’ve got you covered. This business model is not always supported by traditional banks because it’s typically considered high risk, however we have banks that support it. Finding an eCommerce merchant services provider is the first step to processing payments quickly and easily. We have the scale and framework necessary to support a recurring payment structure and even include negative option billing.

Payment requests

Send payment invoices directly to your customers or quickly connect the payment gateway to your current accounting software—be it Zoho Books, QuickBooks or Xero—to send payment requests for you.

Secure payment gateway

A payment gateway is the channel transactions go through to process funds. This is the software that powers your online shopping cart and allows customers to pay for your goods or service. When it comes to authorizing, encrypting, and processing your payments, security is our priority. All of our payment gateways accept credit cards, debit cards, and eChecks, and are fully PCI compliant. We are gateway agnostic—that means we can integrate with just about anyone. We are super compatible with NMI, USAePay,, and more.

Cardholder data migration

Do you have a recurring billing subscription you need to import over from Stripe or PayPal? Not a problem, we’ve handled tons of these data migrations. It’s important that this migration is handled correctly to prevent compromised cardholder data or lapsed subscriptions. Don’t lose sleep over how to transfer your existing cardholder data to maintain your current paying clients. We’ll take care of that for you.

Online Shopping Carts

Do you run an online eCommerce business and need a processor that can easily integrate into your website content management system? Look no further. When you set up your eCommerce merchant account, you receive a payment gateway that plugs into your shopping cart. You can set this up yourself with one touch, or we’re happy to set it up for you. We can integrate with 99% of the shopping carts out there. The only sites we can’t integrate with are those that don’t allow for third party gateway integrations, and at that point, nobody can. We keep this process as simple as possible so you can focus on what matters.

How to Protect your eCommerce Merchant Account

Once you have been approved for your eCommerce merchant account, you’ll want to do everything in your power to retain it. We have a number of fraud prevention and chargeback mitigation tools for merchants that can help you keep your business and your customers’ information secure.

Fraud prevention

Fraud is a risk to any business, but especially eCommerce. We take data security very seriously. All of our gateways are PCI compliant, and all our clients’ sites are SSL encrypted. We can employ overlays like 3D Secure, which authenticates users before the transaction even goes through. We also help tackle fraud at the source. There are many security features native to your payment gateway that you might not know can help you prevent fraudulent transactions. We take the time to help you understand and adjust these settings like transaction frequency filters, rule-based transaction scrubbing, and more. These settings can be used to protect your business in a variety of ways, including enforcing a transaction minimum or maximum and blocking certain IP addresses. These settings also allow you to filter or restrict certain countries, e-mail addresses, and credit card numbers from making a purchase through your site.

Chargeback mitigation

Preventing chargebacks is an area of concern for any business that accepts credit cards. A chargeback is when a customer disputes a charge from your business to their bank, and as the merchant you are not only charged the cost of the transaction, but an additional fee. Chargebacks can be detrimental to your business and jeopardize your eCommerce merchant account status. This is where we come in. We employ a chargeback alert program to help mitigate your risk of chargebacks, from helping you send tracking emails to letting you know about potential issues before the processor even finds out.

Contact us today for expert advice, low rates, and world-class customer service.

Seamless Integration

OpenCart Integration
Volusion Integration
Prestashop Integration
3DCart Integration
Bigcommerce Integration
WooCommerce Integration
Shopify Integration
Magento Integration
Ordoro Integration
Zencart Integration
Oscommerce Integration
Weebly Integration
Drupal Integration
Wix Integration
Joomla Integration
and many more...

Full Service Solutions

SDK Software Development Kit

Do you need to transfer cardholder data from another merchant account and don’t know the first step? PaymentCloud will help with the entire migration of recurred billing subscriptions onto the new gateway, that way your business doesn’t miss a beat.

API Integrations

Do you have an extensive site with custom needs, or an application that needs custom payment integration? Ask us about the developer toolbox with open API. We also have ready-to-go plugins for popular platforms like Shopify and WooCommerce.

Complete payment processing solutions for thousands of clients nationwide