Web design and SEO-related marketing companies are generally identified as high-risk businesses in the processing of the credit card market. Being considered high risk is applicable to any business that exhibits any of the following attributes:

• A Record of High Chargebacks
• Extremely high-ticket and irregular sales
• The business is operating in a market in which US Host Banks and Processors are reluctant to support
• A Highly Regulated Sector
• A sector that has long-term conflicts between the delivery and billing of the Services or Goods
• An industry that is built on Recurring Billing, also known as Memberships

High risk also applies particularly to the development of websites. SEO as well as SEM businesses in large part due to the fact that they usually have high-risk size (aka high average transaction) These businesses typically have a lengthy delay between the time of billing and delivery of services, and as an overall rule, many US sponsors banks will be hesitant to cover the businesses.
 
What is this going to mean to you and your business?. This means you’ll require an account for high-risk merchants. Payment Guru is a specialist in working with merchants who are high risk, and we have a variety of banks that acquire customers who offer web design and SEO merchant accounts. 

What is the significance of this and How Can Payment Guru Support it?

If any business that is associated with SEO, web design, and marketing is a suitable sector for a high-risk merchant account, both startup, and existing companies from these sub-sectors are more frequent customers in this sector:

• SEO (Search Engine Optimization) Optimization (SEO)
• Search Engine Marketing (SEM)
• Design of Websites
• Template Design
• Internet Development
• Software Development
• Mobile & Desktop App Development

The job of an underwriter in the high-risk sector is to analyze and limit the risk from the perspective of the credit processor. This includes analyzing the threat of regulation or uninvolved chargeback risk of a specific small-sized business.
 
Contrary to a very low-risk processor. however, the one with a high-risk credit card web design and SEO merchant accounts must understand that some chargebacks are inevitable. However, what they are worried about is charges that the merchant is unable to pay for by themselves, thereby being able to hold the credit processor responsible.
 
How do these affect your business? The best option is to go with an online credit card processing company such as Payment Guru. which pre-writes the application and does underwriting in-house.
 
An underwriter who is looking at an application for web design and SEO merchant account, or for any other business that is related to search engine optimization, online marketing, design, or any web development company, should be sure that there’s an entirely developed business plan (in cases of new business) with clearly defined pricing and return policies, such as products and return policies. or, for established businesses, with a clear record of a successful. In addition, they will examine bank statements to determine whether there is a positive balance on the account of bankers (so that charges or returns are paid).

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How Does Being High Risk Affect Your Web Design or SEO Merchant Account?

Web Design, Web Development, Search Engine Optimization, Search Engine Marketing, and other web or email marketing services are becoming an integral part of business marketing. These services are provided by SEO or SEM Email and online marketing firms which provide valuable services through engaging businesses with new customers.
 
There is an expanding industry of companies that are doing well with SEO and web design However there are a few lesser-respected businesses in the industry. The bad apples of the industry have committed some kind of fraud or not delivering on their promises and, consequently, the entire sector is difficult to find trustworthy and cost-effective credit card processing services because many banks that sponsor them refuse to fully underwrite these businesses.
 
Due to the increasing concern about fraud, when banks decide to accept or refuse to cover SEO, web design and marketing firms are often forced to get their merchant accounts shut down by their processors of credit cards when they detect charges or problems with regular charging models. Luckily, Payment Guru is among the few service providers that provide trustworthy Merchant accounts to web designers marketing, SEOs, marketing SEMs, SEOs, and other web-related businesses.

Why is Payment Guru so popular?

Payment Guru recognizes the specific requirements of different Web Design & SEO-related companies and has built more than 24 bank relationships to be experts in the process of getting Web Design & SEO merchant accounts established and accepting online payment.