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Tech Support Merchant Accounts

Our Top Picks for The Best Tech Support Merchant Accounts

  1. Easy Pay Direct
  2. eMerchantBroker
  3. PaymentCloud
  4. Helcim
  5. Dharma Merchant Services

1. Easy Pay Direct

Easy Pay Direct has previously worked with technical support companies and specializes in high-risk businesses. They specialize in taking the time to get to know you and your businesses specific needs in order to serve you accordingly. EPD makes finding a merchant processor easy. Join the 60,000 merchants EPD has already served and get your business the services it needs.

2. eMerchantBroker

EMD is a full-service merchant account tailored to high risk businesses. Whether your tech support is software, application, product related, installation, connectivity, or troubleshooting EMB can get your payment processing setup for your high risk outsourcing business, eMerchantBroker is the service provider for you. They offer Mac or PC security services so you can be confident that your information is protected. If your business has a unique need, EMB is the unique solution.

3. PaymentCloud

PaymentCloud works with a diverse range of people in a range of industries, from low-risk to high-risk. For high risk accounts, they provide protection against chargebacks and potential fraud. PaymentCloud will tailor its services in order to provide the tools you need to process transactions smoothly. They even provide a variety of business funding options like business loans. PaymentCloud is your full suite merchant provider.

4. Helcim

Helcim offers the most transparent pricing in the business. There are absolutely no hidden fees or monthly charges in order to stay working with Helcim. With just one free Helcim account you get all of the latest tools to process transactions smoothly. Helcim helps you feel good about your payments. Helcim works best with small businesses but they are open to working with businesses of all sizes.

5. Dharma Merchant Services

Dharma offers great rates along with exceptional customer service. There are no contracts or hidden fees when working with Dharma. Along with their 24 hour exceptional customer service you also receive 24 hour priority funding when you work with Dharma. They pass 100% of processing fees to credit card paying customers. At Dharma Merchant Services they believe that business can be used as a force for good.

It's critical that people who need technical assistance can pay you online or with a credit card. You'll need a merchant account for technical support if you want to accept payments from customers without using cash. Because banks and other financial institutions consider a tech support business to be high risk, obtaining a merchant account can be difficult.

Certain merchant accounts will not accept any high-risk businesses. Others do, but they charge a fee. Do not give up. Even if your company is deemed high risk, there are a number of merchant account providers who will work with you regardless of your industry.

Why Do I Need a Merchant Account?

Cashless Payment Processing

When a business operates today, it recognizes the importance of providing their customers with a variety of payment options. If you accept any form of payment other than cash, you will need a merchant account to process payments. This account will help you run your business more efficiently. This list includes ACH/check, debit cards, online payments, mobile app payments, gift certificates, and gift cards, as well as gift cards and gift cards.

For customers who prefer not to pay in cash, a merchant account is similar to a bank account. These people handle your cashless transactions, deposit funds, and transfer funds to your bank account.

Software and Hardware

A merchant account can also provide you with physical items like a point-of-sale system or credit card terminal. Furthermore, merchant accounts come with virtual terminals that you can install on your tablet or smartphone.

You can also include a payment gateway on your website, allowing visitors to make purchases directly from your site. Subscription service or recurring payments can also be established, which opens the door.

Easy Accounting

Each transaction is recorded because cashless payments are entirely digital. This digital trail makes it easier to track your money. Incorporating digital records into accounting software such as Quickbooks is extremely simple.

Increase Sales and Revenue

Merchant accounts offer your company a great deal of flexibility. You have the option of paying online or in person, at your office or on the road. Customers will be more likely to buy from you if you make payment more convenient.

Security and Fraud Protection

Because cashless transactions increase the likelihood of someone attempting to steal your money or hack into your account, you should proceed with caution. Merchant accounts can combat this by beefing up their security. Look for fully PCI compliant merchant accounts. These new security measures will protect your customers' data. 

Analytics and Data

If you have a merchant account, many of them come with software to help you analyze your financial and customer data. Your bank receives a large amount of information when you use your credit card. Making sense of all of this information can be difficult. Knowing who your best customers are, allows you to better serve them and increase repeat business.

Reward Your Customers

Gift cards, loyalty programs, subscription services, and coupon codes can all be created with a merchant account. These incentive programs can be a great way to gain new customers or reward existing ones.

Drawbacks to a Merchant Account

For their services, merchant accounts charge a fee. In general, the fee is justified by the numerous advantages that a merchant account offers your company. If you own a tech support company, you should think about opening a merchant account with a company that has a reputation for working with less-than-stable businesses.

Why is Tech Support Considered High Risk?

Banks have given negative feedback to a number of businesses, including tech support. While being labeled as high risk can be terrifying, it affects a large number of people. A variety of factors influence the classification of tech support businesses in this category. All of these issues can be resolved with the help of business strategies.

Card-Not-Present Payments

Businesses that accept card-not-present payments online are considered high-risk. This includes companies that offer technical support and accept payments over the phone or online. Payments made with a credit card when the card is not physically present are known as card-not-present payments.

Payments via online and mobile apps, which are becoming increasingly popular, would be accepted. Simply because of this, a large number of businesses are classified as "high-risk."

This is one of the main reasons that technology support businesses are regarded as risky. Because the majority of their business is conducted online or over the phone, they would be unable to function without online payment methods.


Tech support is notorious for having a high rate of refund requests. When a customer disputes a credit card claim on their bill, a chargeback occurs. The credit card company will make an effort to recover the payment.

Even if a credit card claim is valid, the customer has the right to dispute it if they are dissatisfied with the service provided. Chargebacks indicate that a company does not treat its customers well or does not follow its own rules.

Individuals who use credit cards may be hesitant to work with a company that has a high chargeback rate. Before the customer files a complaint, merchant accounts can help with chargebacks if they contact the customer and try to resolve the issue.


Scammers have previously tried to defraud people working in the technical support industry. Fraudulent tech support companies have a history of engaging in illegal activity, such as stealing or deceiving people's information.

Certain tech support companies' employees may spam customers by cold calling or sending a large number of emails. They do not solicit business through deceptive means such as cold calling or emailing. They do not steal customer data or trick people into installing software that they do not want on their computers.

Don’t Despair

Even if your company is struggling, you can still find the right merchant account provider. You can significantly reduce fraud and chargebacks, protect customer information, and increase revenue with a merchant account!

Types of Merchant Accounts

Payment Aggregators

Because of their ease of use, payment aggregators such as Stripe, Square, and PayPal are appealing to many startups. It is also referred to as a third-party payment processor. A single merchant account is shared by several businesses. Each transaction they facilitate is charged the same fee. It only takes a few minutes to approve and set up your account, and you can start receiving funds right away.

Furthermore, payment aggregators have a zero-tolerance chargeback policy and the authority to freeze or close accounts without notice. They may not always be the best option if your business is extremely risky.

Merchant Accounts

A merchant account provider's application process is generally longer and more detailed than a bank's application process. Furthermore, it can take a long time: at least two days, and often much longer. Because they can set you up with a merchant account that is tailored to your specific needs. With a dedicated merchant account, you can reduce fraud and chargebacks.

The merchant account provider attempts to resolve disputes by contacting customers who are disputing charges. Merchant accounts typically charge a different fee for each transaction. Businesses that conduct a high volume of transactions may benefit from this by allowing them to take advantage of lower variable rates.

Things to Consider Before Choosing a Merchant Account


Tech support companies are responsible for handling sensitive customer data. Personal information, such as usernames and passwords, may be accessible to the individual. People must believe that their personal information will be secure when they make a purchase from a company. A merchant account provider can help you protect your customers' information from hackers and data miners.


To function, a business requires capital. If this is not a fixed fee, the fee may vary. In addition to transaction fees, you may be required to pay for utilities such as electricity, gas, and water. Among these are the following:

  • Early termination fees
  • PCI Compliance fees
  • Annual fees
  • Set-up fees

To ensure that the pricing structure is appropriate for your company, read the policy carefully and make sure it makes sense. Exercise caution if you do not want to pay additional fees that may be hidden in a contract, such as an early termination fee.

Customer Service

Customer service is critical to a tech support company's survival. Customers will have to wait longer for good service if you do not have customer service available through your bank account. For businesses that conduct the majority of their operations online, having live customer service available 24 hours a day, seven days a week is preferable.

Additional Tips and Considerations

The majority of tech support companies operate online and offer their services to customers through the internet. It doesn't matter where you live. If your customers are from another state or country, you may be required to follow the laws of that state or country. You must ensure that your legal structure is in order and that you have obtained all necessary permissions to conduct your business as you do.

Ascertain that you have a sales tax collection strategy in place in each state and country where you do business. When you apply for a merchant account, they will ask for this information. Before you begin your application, make sure you have the following information at your disposal.

Get a Professional Website

You can demonstrate to your customers and clients that you are legitimate by having a good website. In this field, a good reputation can go a long way. The smallest grammar and spelling mistakes on your website can give customers the impression that you are not completely honest with them.

You can set yourself apart from the competition in your industry by investing in a professional website and logo that will help your company stand out. Consider including customer testimonials on your website to demonstrate your expertise and credibility.

Create Clear and Readable Policies

A lack of understanding of the rules is one of the reasons customers dispute charges. If the customer is unhappy with the service they received, they are more likely to dispute the charges. The customer should be aware of what they are purchasing, how much it costs, and whether there are any hidden costs.

Prepare for the Application Process

Gather all necessary information as soon as possible. This could include the following items:

  • An explanation for any prior problems in your business credit history
  • A valid ID
  • Tax identification number
  • Three months of bank statements
  • Business license
  • Three months of processing statements
  • Your bank account information

Focus on Excellent Customer Service

Customer service is essential in this industry. You will stand out from the crowd if you go above and beyond to help your customers.

Final Thoughts

Because the tech support industry has been tainted by bad actors, it has been labeled as "high risk." Businesses that provide excellent customer service and competitive pricing have a lot of room to grow. A merchant account with the right features can assist your business in growing by allowing customers to pay with credit or debit cards online or via mobile device. This can help your company's growth.

A merchant account can also help to reduce fraud and chargebacks while increasing sales and revenue. Because of their ease of use, payment aggregators like Square are appealing to many new businesses. These providers, on the other hand, have a disadvantage.

Payment aggregators rely on chargebacks because they allow them to immediately close or freeze accounts. People who run businesses that expect a high volume of transactions or who are at risk of being charged back do not want to use them.

Because the application process for a merchant account provider is longer and more detailed, they can set you up with a merchant account that is specifically tailored to your business.

Our Top Picks for the Best Tech Support Merchant Account Providers

  1. Easy Pay Direct
  2. eMerchantBroker
  3. PaymentCloud
  4. Helcim
  5. Dharma Merchant Services

Merchant Accounts

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