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Tax Engineering

Payment gateway low risk

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If you are looking for affordable commissions, your business is of low risk industry and you want to accept all major credit cards via Internet, contract the low risk payment gateway without physical presence. The low-risk gateways are the easiest to obtain because they do not present a high risk to a financial institution.

Reference: PP87789BR

$235

Low risk offshore payment gateway

There are a lot of providers who offer the service of low risk payment gateway with affordable commissions. The financial institutions are the ones who evaluate the level of the risk of the payment gateway, depending on the nature of the business, average ticket and the number of monthly transactions the financial institution decides if the business falls into the category of low risk. Your commercial activity is considered low risk if your average ticket size is less than 100 USD, the number of chargebacks is close to zero and the company is incorporated in a low risk country. Also it is very important if the merchant uses an anti-fraud protocol installed in its terminal payment such as 3D Secure. Other factors that consider a financial entity as a low risk business is when the requesting company sells tangible services and the sales tickets are not of high amounts that could unleash a massive fraud in the virtual payment terminal.

The low risk payment gateway is a perfect solution for companies that have a low risk industry business. The commissions for processing these types of businesses are more affordable comparing to high risk. The main reason of such a difference is a percentage of fraud, which decreases considerably. Another factor is the way the order gets placed when a final client makes an online purchase. For example, on some websites the orders are placed through a shopping cart other businesses send payment links via email or collect the data of the cardholder by phone (MOTO). In a case of MOTO payments, the financial institution will automatically consider the terminal as high risk since it is impossible to justify the purchase made by the customer with a physical signature or by means of a 3D Secure PIN.

When reviewing the applications for low risk payment gateways financial entities do not accept businesses related to money laundering activities. In case the financial entity detects a business with irregular or considered risk activities, it will block the terminal and will include the company in blacklist so that it won´t be able to request any terminal in future.

Speaking about the best way to protect your online business and to avoid fraud in your terminal it is advisable to choose the 3D Secure anti-fraud protocol for your merchant. Due to the fact that the final client has to introduce the security PIN and to identify himself, the responsibility for any chargeback falls on the entity that issued the card with which the payment was made. That is to say, if a final client makes a purchase and then presents a chargeback with his credit card and argues that he did not make the payment or a third party did it without his knowledge, the entity issuer of the card will be responsible for the transaction and will not be able to claim any type of financial compensation to the payment terminal. In case if the product was not delivered to the client after he made a payment in an online store through 3D Secure protocol, the card issuing entity has a right to claim the whole amount to be paid back to his client.

Purchases made with cards are surpassing purchases made with other means of payments, such as cash, bank transfers, checks, Western Union, MoneyGram and Bitcoins. The main difference between accepting cards or alternative ways of payment is that when making a purchase through the payment gateway the final customer obtains more security and anti-fraud guarantees. It is advisable for any merchant who applies for a payment gateway to take the greatest precautions when making sales, as it will prevent the closure of your payment terminal.

Advantages of opening a high-risk offshore payment gateway

  • Commissions in accordance with the risk of the business. Low registration fees.  
  • Client support specialized in payment gateways and E-Commerce.
  • Implementation of anti-fraud 3D Secure protocols.
  • Approval of your low-risk payment gateway in 99.99% and within 48-72 hours.
  • Possibility to accept all brands of the cards (Visa, MasterCard, Amex, Diners Club, Cirrus, Discover).
  • Opening of low-risk payment gateway without obligation to present credit history reports.
  • Unlimited number of transactions.
  • Low-risk payment gateways for newly incorporated and operating companies. There is no restriction on the country of incorporation of the company.
  • No physical presence is required to apply for the payment gateway.

Commissions of the high risk payment gateway

Depending on the nature of the business, the processor can charge the merchant the highest or lowest commissions for a payment gateway. The lowest commissions that we can offer for a low-risk payment gateway are the following:

Commission per transaction
3,5% o 5,5%. Depending on the level of risk and nature of business.
Commission per each transaction OK
0,75ct/euros
Refund5 euros or 10 euros per refund. Depending on the level of risk and nature of business.
Chargeback
50 euros per chargeback
Wire transfer5 euros, 15 euros or 70 euros. Depending on the country where the client has his bank account.


* To confirm the exact rates, please contact us via phone, e-mail, Skype or WhatsApp.

* Opening of the high risk payment gateway for physical and legal persons without physical presence. All arrangements are made through e-mail and / or certified mail.

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    with internal anti-fraud management
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    Visa, MasterCard, Amex, Diners Club, JCB and Discover
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    24/7
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    3DSecure and without 3DSecure
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    in real time 24/7
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    Certified by a notary or notary public
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    Certified by a notary or notary public
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    Electricity, water, gas, telephone or bank statement
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    in English
  •  
    Articles of incorporation of the company, memorandum of association, register of directors, registered shares certificates and for companies registered more than one calendar 1 year ago "Certificate of good standing"

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