The 10 Best Tech Support Merchant Accounts

Although, the technical industry may be one of the fastest growing industries, banks aren’t too keen on approving merchant accounts for these types of businesses. This prohibits merchants in this sector from processing payments, including credit card purchases.
Unfortunately, the term “tech support” has become synonymous with “tech support scams.” Over the years, scammers disguised as tech support have scammed people both out of their personal information and their money.
The latest stats, according to the Federal Trade Commission, show that consumers lost a total of $24.6 million from tech-support scams in both 2015 and 2016.
Legitimate tech support businesses that want to accept credit card transactions deserve to turn to reputable high-risk merchant account providers to resolve these issues and set them up with a proper merchant account to begin processing payments. Take a look at these 10 merchant account providers for your tech support business.

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Based in Los Angeles, California, eMerchantBroker offers high risk processing solutions, including Tech Support Merchant accounts.

EMB offers tech support merchant accounts to the following businesses: Mac or PC security services, hardware and router configuration, browser and email support, and PC optimization.

The Pros

EMB offers custom-made paid solutions, excellent customer service, approval rates between 24 and 48 hours, chargeback management tools, PCI-compliant payment gateways, as well as fraud filters.  Another great option is that EMB offers rapidly growing merchants the opportunity to request new higher volume ceiling caps in three months.

The Cons

Very little information is available about the standard contract. This could only mean that the contract terms vary widely from merchant to merchant.  There are early termination fees that are up to $295 for 1 year contracts and up to $595 for 3 year contracts.

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Based in Portsmouth, New Hampshire and with an EU registered address in Lija, Malta, Instabill has been covering the high-risk merchant space since 2001. With constant change within the high risk merchant space, it has remained current with shifts and regulations within the industry.

The Pros

Tech support merchant benefits include the following: easy person to person transfers, no debit/credit card or PIN use, a convenient storage solution on your PC or smartphone, traceable transactions to deter fraud.

The Cons

Due to Instabill’s focus on high risk accounts, it may feature tiered pricing, early termination fees, and PCI Compliance fees. Most complaints against Instabill are about the company’s fraud prevention policies. Merchants report cancellation of their merchant accounts or withholding funds.

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Servicing the US, Europe, and Canada, DirectPayNet offers payment solutions for high- risk businesses and industries.

Founded in 2009, as a full service Merchant Services Provider, its Founder and President, Maria Spagagis, is a payment solutions expert who has spent 8 years helping merchants in high risk industries.

The Pros

Some of their offerings include credit and debit card processing, offshore merchant accounts, incorporation setup, risk management, and fraud detection.

Another selling point for potential customers is the opportunity to take part in a free price analysis to discover how much you would save by becoming a DirectPayNet customer. 

Expert support is available 365 days a year.

The Cons

As noted on their website, their focus and specialty seems to be only on medium to large-sized high risk merchants. Therefore, another alternative will need to be sought if you are a smaller-sized business.

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iPay Total

Founded in 2018 and headquartered in London, iPay Total is a tech support payment processor that also offers end-to-end high risk merchant solutions to customers around the world.

The Pros

Some features offered on online gambling merchant accounts include: multi-bank processing (including offshore), secure payment gateway, chargeback alerts, chargeback disputes, ACH/Check 21 processing, fraud prevention and protection, and competitive processing rates (below 6%), as well as 24/7 support online or by phone.

iPay has recently launched a new payment solution to address high chargeback rates. It now provides a “pay-by-gift card” option. The other option to implement is to use ACH payment processing.

The Cons

High risk merchant account contract terms are not disclosed to the public. iPay Total also claims to charge a set up fee of up to £4,500, an incredibly exorbitant and prohibitive amount, especially for small businesses starting out.

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Radiant Pay

London-based Radiant Pay is an agency offering payment solutions to merchants across all “legal” industries, including Tech Support merchants. It is a leading payment solution provider in the UK, European, and Asian countries.

The Pros

Some of the advantages offered include quick approvals, partnership with banks around the world, round the clock support, affordable pricing plans, quick payouts, minimal transaction charges, no deductions from revenues, uncapped transaction volumes, multi-currency processing, low taxes, risk management solutions, and personalised consultations.

The Cons

Some complaints about the company have to do with sales agents imposing highly undesirable contract terms. It is best to read the fine print thoroughly before signing anything with this company.

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Paytriot Payments

Headquartered in Uxbridge, UK, Paytriot Payments assists high risk businesses to receive merchant accounts in a matter of hours instead of weeks.

Not only do they offer merchant accounts but they also offer payment gateways for businesses of any size.

The POS option also exists to take payments online, over the phone, or face to face.

The Pros

For their merchant services, they provide competitive rates, a smooth boarding process, multi-currencies, and 24/7 customer service.

Their payment gateway are Level 1 PCI DSS Compliant, are 3D secure, are integrated with all major shopping carts, and linked to 150+ processors. 

E-wallet solutions are provided for customers concerned about using  their debit and credit cards on a new website.

The Cons

Extremely difficult to find any complaints for this company. On Trustpilot, most merchants gave the company an average of 4.8 out of 5 stars and expressed great satisfaction.

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Web Merchant

Established in 1997, Web Merchant’s offices are in Kingston upon Hull, UK. The company was founded in order to provide fast, simple, and affordable payment processing solutions for tech support businesses. The company claims to have processed well over 1.5 billion transactions. Web Merchant is known to have been the very first business in the UK to provide online merchant services.

The Pros

The features and benefits are: a merchant account, a dedicated account manager and one with their acquiring bank, a payment gateway. Payment solutions through smartphone and app payments, and Chip N’ Pin credit card machines. Accepts 120 currencies. It offers website integrations, deferred processing, and low rolling reserves. Their pricing schedule is clearly displayed on their website. They also offer a free terminal, free recurring billing, and no termination fee.

The Cons

There are currently no online reviews about Web Merchant to be found.

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CyoGate Merchant Solutions

Based out of Boynton Beach, Florida, CyoGate offers credit card processing tools for tech support businesses. Founded in 2007, they provide domestic and international solutions as well. With a vast number of “offshore network” merchant processing partners, CyoGate can offer high risk merchant solutions for tech support merchants at much lower costs.

The Pros

Their offerings include: low rates on international high risk merchant accounts, Mail Order and Telephone Order (MOTO) and its own payment gateway called, “Cyogate Internet Payment Gateway”. Additional solutions include mobile payment processing, electronic invoicing, and chargeback prevention, business loans, free merchant account audit, virtual terminal, e-check processing, load balancing, customer vault, QuickBooks SyncPay, and fee shopping cart software, PCI compliance certification and insurance.

The Cons

Just a few negative reviews were found. Customers cited that customer reps were slow to respond, unprofessional, not helpful.

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Allied Wallet

With its headquarters in London, UK, Allied Wallet was founded in 2002 and is an award-winning payment processing company. Offering custom payment solutions to businesses of all sizes, including tech support businesses, its merchants conduct their business in 196 countries and accept 164 currencies.

The Pros

Some of their features and benefits include acceptance of most credit and debit cards worldwide, settle in 25 currencies, 24/7 merchant support, customisable fraud scrubber, able to access user base of more than 31 million eWallet holders, PCI DSS Level One Compliance, powerful reporting system, and payment gateway. They have a presence in 118 countries, providing service to 4,000 financial institutions and six million merchants.

The Cons

Allied Wallet is not transparent about its pricing as it is not displayed on their website. Fund holding and account freezes have been reported.

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GPN Data

Headquartered in Berkshire, UK, GPN Data was founded in 2008. It is an international merchant account provider that offers solutions to high risk merchants, such as tech support merchants, merchants with a history of chargebacks, and merchants needing to sell worldwide.

The Pros

GPN Data offers its tech support merchants the following features and benefits: PCI-DSS Level 1 version 3.2 compliant eCommerce PSP, connection with multiple banks in multiple locations, recurring billing, fraud prevention, technical support team available 24/7, accept SEPAexpress, chargeback support, transaction monitoring, automatic chargeback notification, customizable rules, velocity checks, fraud screening, white and black lists, alternative payment options, fully integrated with Ethoca, Verifi, and Maxmind. There are no application fees and their underwriting is quick and painless.

The Cons

Merchants are required to process at least $15,000 in gross credit card sales every month to qualify. Not a good choice for smaller businesses.

Provider of the Month

Why eMerchantBroker

EMB is devoted to your experience and your expectation with them. They have an A+ Rating with the BBB and their business is built to meet specific requirements in the High-Risk Industry.

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