eCommerce Merchant Account Solutions


We specialize in ecommerce merchant accounts for online businesses deemed “high risk” by other payment processors.

With over 20 years of industry experience, Signature Payments is a leader in eCommerce merchant services. We specialize in helping online businesses qualify for secure and affordable eCommerce credit card processing — even after other payment processors have rejected them. Connect with our in-house specialists today to start accepting credit cards online .

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What is an eCommerce Merchant Account?

An eCommerce merchant account is a dedicated banking account that allows online merchants to securely accept credit and debit card payments. Businesses without a merchant account can only take non-card payments — such as cash, check and cryptocurrency.

Unfortunately, many payment processors and banks view online businesses as “high risk,” since most eCommerce sales involve anonymous, “card not present” transactions that invite various types of payment abuse. Chargeback fraud is particularly rampant in the eCommerce world.

With this scam, dishonest customers purchase online goods — only to reverse the charges through their banks once the items arrive. There are over 600  million chargebacks annually. For every $1 in direct fraud costs, online merchants lose an additional $2.6  once factoring in disputes, restocking fees, shipping charges and penalties.

Also known as “friendly fraud,” the above scam involves your customers. When you add professional online criminals to the mix, it’s easy to see why some payment processors are reluctant to work with eCommerce businesses.

At Signature Payments, high-risk eCommerce merchant accounts are our specialty.

Signature Payments is a full service provider offering…

Easy Sign-Up

Our application can be accessed online for quick and easy completion in just a few minutes.

Fast Approvals

Our application review process is quick and easy so you can begin accepting payments in no time.

No Hidden Fees

Our team will work hard to get your account approved at the lowest possible rates with no hidden fees or extras.

Flexible Solutions

We partner with multiple banks and offer domestic and offshore solutions for the flexibility you need.

eCommerce Payment Processing: Frequently Asked Questions

Why do I need a merchant account?

Having a merchant account is a legal requirement for accepting card-based payments. Without this dedicated banking account, all in-person and online sales will be limited to payments made via cash, check, wire transfer or cryptocurrency.

How do I apply for a merchant account?

Easy. Just fill out our free online application form. Our team will take care of the rest.

What are the criteria for merchant account approvals?

All new clients fill out the same online application. Thereafter, our review team might ask for any number of supporting documentation, including bank statements, payment processing statements, performance reports, refund policies and your pricing.

If you have questions about the types of supporting documentation you might need to provide, schedule a free consultation with our payment security specialists today.

Will Signature Payments work with my existing software?

In many cases, yes. That’s because our payment technology works with most major gateways, including ePN, NMI and This allows our alcohol and tobacco merchant accounts to integrate with many of the most popular business, sales and accounting software platforms.

Have questions about software interoperability? Our in-house security specialists are always ready to help.

What kinds of payments can I accept?

At Signature Payments, we support all major debit and credit cards offered by Mastercard®, Visa®, American Express® and Discover®. Your alcohol and tobacco merchant account also allows you to securely accept payments made via check, mobile wallet or electronic benefit transfer (EBT).

Do I need special hardware to start accepting payments?

It depends. For face-to-face transactions, you’ll need a physical point-of-sale (POS) reader. This can be a dedicated POS terminal or a smart device that is capable of reading credit and debit card information.

If you sell online, you won’t need any hardware. Instead, all transactions will go through your payment gateway, which is the online equivalent of a physical POS reader.


Call 888-334-2284 or email