High Risk Merchant Accounts For Shopify

An Overview

Get A High Risk Merchant Account That Seamlessly Integrates With Your Shopify Store.

Video: High Risk Merchant Account Shopify Integration

Steps: High Risk Merchant Account Shopify Integration

These steps and screenshots will enable you to process credit card and debit card payments in your Shopify store via your High Risk Merchant Account.

Step 1: Applying for a High Risk Merchant Account

Apply for a merchant account and select Shopify as your preferred shopping cart. Soar Pay’s Shopify integration works via the Authorize.net payment gateway, so when you select Shopify we’ll designate Authorize.net as your payment gateway.

Step 2: Receive Approval Email

Once you’re approved for your High Risk Merchant Account, you’ll receive an email containing crucial information, including your Authorize.net User ID, Password, API Transaction Key, and API Login ID. Plus, your Authorize.net account will already be linked to your new high risk merchant account.

Step 3: Activate Authorize.net in Shopify

Step 4: Entering API Login ID and Transaction Key

Step 5: Activation and Save

Step 6: Accept Payments

Your Authorize.net account is now set up to process credit card payments on your Shopify store. You can start accepting credit card payments through Shopify, and they’ll seamlessly process in your new high risk merchant account.

Troubleshooting Your Shopify High Risk Merchant Account Integration

Refund fails because of required field

When you try to refund an order in Shopify that was paid with Authorize.net, you might see an error message like Bill To Last Name is required. This message means that one or more fields on your Authorize.net hosted payment form are set to required, which causes an error with Shopify orders. Before you can refund the order in Shopify, you need to go to the Hosted Payment Form in your Authorize.net account and set all the fields to not required. For help on setting fields on your Hosted Payment Form, see the Authorize.net support center.

API Login ID or Transaction Key Not Working

The API Login ID is different than your user login ID. Your user login ID allows you to log into your Authorize.net Merchant Interface user account. The API Login ID grants a merchant access to submit transactions to the payment gateway. 

To create a new API Login ID or Transaction Key, or reset your existing logins, follow the instructions here. https://support.authorize.net/knowledgebase/Knowledgearticle/?code=000001271

Authorize.net is sending receipts

You don’t want Authorize.Net to send the customer an email receipt because Shopify already does that. Go to settings, disable email receipt if it’s enabled. Then uncheck it and save it.

Additional Resources and Support

Here are some resources you may find helpful if your business uses the Shopify ecommerce platform, and you’ve been categorized as “high risk.”

• Shopify Payments: The “in house” credit card processing & Point Of Sale solution for regular, “low risk” Shopify merchants.

• Shopify Terms of Service: The terms and conditions for Shopify merchants. Includes a section regarding Shopify Payments accounts.

• Third-party payment providers: Help center topic @ Help.Shopify.com.

• Configuring third-party payment providers: Help center topic @ Help.Shopify.com.

Why Do Some Shopify Users Need A High Risk Merchant Account?

Shopify users sometimes need an alternative to the in-house credit card processing solution, Shopify Payments, for one of the following reasons:

1. Industry Is High Risk
   Your Shopify ecommerce store sells some products within industries that Shopify categorizes as “high risk.” This categorization is up to Shopify’s discretion (and may change over time), but in general, a “high risk” categorization may encompass industries such as supplements & nutraceuticals, vape products, travel, etc.
2. Previous Chargebacks
   Your Shopify account has received multiple chargebacks within a relatively small sample size of orders. Depending on your Shopify store order volume, even two or three chargebacks within a month could trigger an automated or manual review of your merchant account.

Why Do So Many Shopify Users Choose Soar Payments For Their Credit Card Processing?

• Soar Payments specializes in merchant accounts for high risk and hard to place businesses. So your unique ecommerce business can get approved and processing “ASAP.”
• It’s easy to integrate a Soar Payments merchant account with your Shopify store. The process takes about five minutes (and we can even walk you through it!)
• You will automatically receive our Industry Minimum Pricing (even if your business operates in a high risk industry). Get simple, transparent pricing (and no hidden fees).