Why websites get declined
With most providers the decision is made by an automated risk model that scores the category, and the website is read in that same light, often by someone who has never seen a business like yours. If anything on the site raises a question, there is nobody to answer it, so the business is declined or held.
That is why businesses in sectors like pharmacy, vape, skill based competitions and dating often launch a site they are proud of and then cannot take a payment on it.
What payments ready means
Payments ready means the website and the payments are prepared together, by people who know what a payment provider looks for. At eCom Pro that is our payments team, the same people who set up your eCom Pay account. They check the site as it is built, in the context of what you sell and where you sell it, and ask for the changes your business needs. Nothing is left to be discovered later.
At eCom Pay experienced people look at the business rather than the category, which is how merchants in specialist sectors get next working day settlement with no rolling reserve.
Why we do not publish a checklist
People ask us what payment providers look for so they can build to it. We understand why, and we never publish it. Every business is looked at individually, and two businesses in the same sector can need different things. A public checklist leads people to build to the list, apply, and still get declined, which helps nobody. The review replaces the checklist with an answer for your business.
How it works at eCom Pro
- One form. One form starts the website build and the eCom Pay application together.
- Build and review together. Our payments team reviews the site while it is built and asks for what your business needs.
- Documents in, approval out. Approved and taking payments in 24 hours once your documents are received.
- Launch with payments live. The site goes live with eCom Pay card payments already connected and tested.
Already have a website?
Request a free payments ready website review. A member of the team opens your site and replies with what, if anything, your business needs to change before applying. If the site is fine as it is, we connect eCom Pay payments to your existing website without a rebuild.
Sectors this matters most for
Any sector mainstream processors restrict. Online pharmacies, vape shops, skill based competitions, dating platforms, CBD, supplements, travel, hotels and jewellery. See all industries we build for.