High-Volume Merchant Accounts

Getting a high processing limit typically comes with time and good business practices. Typically, these factors are shown in lower chargeback percentages, reduced fraudulent activity, and higher attention to future details. The longer you have been processing, the higher the chances of increasing your processing volume. Charge.com is here to help you manage and maintain your high-volume merchant account with a few helpful tips!

Achieving a high-volume merchant account begins with a merchant service provider giving you a maximum processing limit. This limit will protect the merchant service provider and its partner bank from an increase in chargebacks. Unfortunately, some merchants try to scam customers, run stolen cards, and then skip town. This is one reason why it can be hard for new merchants to increase their processing volume right away. Getting a high-volume merchant account is dependent upon trust, history, and determination of risk. If you want to increase your processing volume, treat every customer and transaction like your business depends on it. Because it does.

To learn more about how to increase your businesses processing volume, you’ve come to the right place. Call the financial experts at Charge.com at 1-888-924-2743 or contact us now!

How Can I Become a High-Volume Merchant Account?

To increase your processing time, the most important thing to do is develop a history with your merchant service provider. They’ll want to see that you can process orders, ship products, and minimize chargebacks. They have to see that you’re a successful and profitable business in order to increase your processing volume and allow for large transaction. Here are a few things you can do to increase your chances of a higher processing limit:

  • Minimize chargebacks
  • Fulfill orders yourself by carrying your own inventory
  • Use fraud detection tools to prevent fraudulent orders
  • Improve your personal credit
  • Decrease the amount of time it takes for the customer to receive the order
  • Allow the merchant service provider to hold back a percentage of sales to cover chargebacks
  • Maintain a good relationship with your account representative

Once you are successful in increasing your processing limit, make sure you maintain your account, limit chargebacks, and continue building a great relationship with your merchant service provider.

Why Is My Processing Limit Lower Than I Requested?

Your processing limit can increase as your relationship with your merchant service provider grows. This industry is all about trust and minimizing liability by vetting would-be merchants to ensure they run reputable companies. As with any trust-building endeavor, time is the biggest factor in increasing your processing limit. Make sure you follow all of the instructions your merchant service provider offers and ask them what you can do to increase your processing volume.

What Happens If I Go Over My Processing Limit?

If you happen to go over your processing limit, do not get all worked up. In many cases your merchant services provider will allow you a temporary increase in your processing limit or extend your limit as your sales grow. This will be determined by your history with your merchant service provider, the percentage of chargebacks, and other factors. You should try to contact your merchant service provider ahead of any overages so they know you will be going over their limit. Going over the limit can result in customers’ orders being denied, so make sure you catch this before it happens, so you do not lose sales.

How Do I Apply for a High-Volume Merchant Account?

If you can minimize chargebacks, demonstrate good management of shipping products to customers, and maintain a great relationship with the processor, your chances for increasing your processing limit go up each month. Use the steps provided below to start the application process off right.

You will first need to apply for a new merchant account. This often involves a credit check to determine not only if you qualify for a merchant account, but how much you can qualify to process each month in payments. However, if you have bad or no credit, there are still options available to you through a “high risk” merchant services provider like Charge.com. As you process payments each month, the amount of processing volume you have available will increase. Here is a list of items you will generally need in order to open a merchant account:

Corporations and LLCs:

  • A legal entity – You will need to have a legal entity set up for your business. This can be an LLC, C corp, and so on.
  • EIN – EIN stands for employer identification number and is what the IRS uses to identify your company.
  • Business checking account – This will allow the merchant service company to deposit transactions directly into your business checking account.

Once you have these three things, you can then start the application process that your chosen merchant services provider requires.

Sole Proprietors:

Sole proprietors do not need the three items listed above for corporations and LLCs and can open a merchant account under their personal name, use a Social Security number as their tax ID number, and use a personal checking account to receive deposits.


Merchant providers and their partner banks take on a high level of risk when approving a new merchant. Chargebacks occur when customers dispute activity on their credit or debit cards and request their credit card provider issue a refund to them. These refunds are debited against the merchant services provider and their partner banks, creating a lot of potential liability.

What Can Hurt Your Chances of Getting Approved for a Merchant Account?

Due to the risk that merchant service providers and their partnering banks assume when approving merchants for a merchant account, certain factors can make it hard to open a merchant account. Some of these are listed below:

Bad credit – This is by far the most common reason for a denial. However, there are merchant service providers out there like Charge.com that work with high-risk applicants.

New companies – A brand new company is a much higher risk than an established company looking to change providers.

Type of industry – The type of business you are in can also bring up a red flag. For instance, industries where there has been a history of abuse by other people can make it hard to obtain a merchant account. Industries that might have a hard time getting approved are listed below:

  • Pornographic website
  • Guns and ammunition
  • Online gambling
  • “Free +shipping” type offers
  • Multi-level marketing companies
  • Affiliate marketing companies
  • Group-buying websites
  • Penny auction websites
  • Discount memberships
  • Gym memberships
  • Membership clubs
  • Recurring-billing products
  • Nutritional supplements

Expected transaction volume – If you apply for a merchant account and indicate that you need a high level of processing volume, your chances for obtaining a merchant account will greatly diminish. The more volume you do, the more likely you will face a lot of chargebacks and the more risk you will pose to the merchant services provider. Only apply based on your expected volume, be conservative, and ask for the minimum you need. If your volume picks up, you can always apply for more volume later. Build trust with your merchant services provider and you can eventually get to the point where you can have virtually unlimited processing volume.

Average ticket size – On the typical application, the merchant services provider will want to know what your average ticket size will be. If you indicate a high average ticket price, the chances of approval will be greatly diminished. The larger transaction size means a higher cost if there is a chargeback and more risk the bank and merchant services provider must take.

High-Volume Credit Card Processing

Getting a merchant account isn’t hard if you follow the advice of the experts here at Charge.com. Once you get a merchant account, make sure you are staying on top of your customer service to minimize the number of chargebacks that you have. Keeping your merchant account in good standing is vital to the long-term success of your business. With all of these tips, your company is on track to have the highest merchant account limits possible and start processing large transactions!

Get started having high-volume credit card processing with the help of Charge.com. Call 1-888-924-2743 or contact us today!