Does your business sell a large volume of products each day, week or month? Or, does your business sell only a few big ticket items each day or week, but those items are quite costly? If so, you may find it difficult to find a provider that will allow you to accept credit card payments without charging you a ridiculous fee.

As a merchant that deals with big ticket items, large volume items, or even capped volume items, you will find that merchant processors consider your business to be riskier than others. This is because there is a greater chance of having people return their items or of having chargebacks.

Since your business is considered to be riskier than other businesses, merchant processors will typically charge you higher fees in order to process your purchases. In this way, they are covered in case problems should arise. At the same time, you are stuck without many other options. After all, many people cannot afford to purchase big ticket items unless they use their credit cards for the purchase. Similarly, if your business survives by selling a large volume of items, you need to provide your customers with plenty of options for making their purchases. Otherwise, if you don’t offer the option they need, they may simply seek out a merchant that will.
While it may not seem fair, that is the way card processors have been doing business for many years and merchants have come to accept it. The good news is that you don’t have to accept it any longer. The fact is that there are many visa & mastercard processors that won’t punish you for having a business that deals in high volumes or that sells big ticket items. The trick is finding the processors that will provide you with an account without charging your extravagant fees for their services.

In order to make money for your business, you need to offer your customers the option of paying with a credit card. At the same time, in order to save money, you need to find a merchant processor that will charge you a reasonable fee for the purchases your customers make.