Web Design Merchant Accounts – Get Yours Today

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Last Updated on May 15, 2024 by Corepay

A web design merchant account is a specialized payment processing solution for web design and development businesses. These accounts are tailored to web design businesses’ specific needs and risks, including chargeback protection and fraud prevention measures.

With a web design merchant account, businesses can accept credit and debit card payments securely and efficiently without worrying about the risks associated with chargebacks and fraud. 

This article will explore the importance of web design merchant accounts, why web design payment processing is considered high-risk, and why we believe we’re the best fit for your payment processing needs.

  • Due to high chargeback rates and high dollar charges, many payment processors hesitate to provide web design and development businesses with merchant accounts.
  • Corepay offers specialized web design payment processing solutions with highly competitive rates, featuring an anti-chargeback suite through our partner product, CB-ALERT.
  • Due diligence is required during the onboarding process for high-risk businesses, and chargebacks can result in a merchant account being shut down, making it essential for high-risk verticals to self-regulate and establish industry best practices.

Apply With Corepay Today

As a leading provider of high-risk merchant accounts, Corepay works with companies with increased chargeback exposure, making them an ideal choice for web design and development companies.

You will need the following when applying:

  • Certificate of Incorporation
  • Voided Check/Proof of Bank Accounts
  • Organizational Chart (if applicable)
  • Personal and Business Financial History
  • Prior Processing Statements (if relevant)
  • Compliant Website Verification

What Is A Web Design Merchant Account?

If you’re a web design or development business, you may be wondering what a web design merchant account is and how it fits into the world of credit card processing and payment solutions.

Simply put, a web design merchant account is designed specifically for businesses offering web design and development services. With a web design merchant account, you can accept your clients’ credit card payments for your services.

One of the main advantages of having a web design merchant account is that it allows you to provide your clients with a seamless payment experience. Instead of relying on third-party payment processors or gateways, you can process credit card payments directly through your merchant account.

This not only simplifies the payment process for your clients, but it also helps to streamline your business operations.

To obtain a web design merchant account, you must go through a merchant services provider working with high-risk businesses. This is because web design and development businesses are often considered high-risk due to their high chargeback rates and the potential for large transaction amounts.

However, with the right merchant services provider, you can get approved for a web design merchant account and easily accept credit card payments from your clients.


Why Is Web Design Payment Processing High-Risk?

As a payment processing expert, I know that web design payment processing can be high-risk due to several factors.

Chargebacks, high-ticket transactions, and recurring billing or subscription models are all potential areas of concern.

Chargebacks occur when customers dispute credit card transactions, and high-ticket transactions can increase the likelihood of fraudulent activity.

Recurring billing or subscription models pose a risk of chargebacks due to cancellation or dissatisfaction with the service.

Understanding these risks is crucial for web design businesses seeking a secure, reliable payment processing solution.


You’ll need to be prepared to handle chargebacks when running a web design and development business. Chargebacks are when customers dispute a credit card transaction, often leading to the funds being withheld from the merchant’s account. This can damage a business, especially for those in the high-risk category.

However, merchants can protect themselves from these disputes with Corepay’s chargeback mitigation and fraud detection tools through our partner company, CB-ALERT. Maintaining good record-keeping and communication with payment processors is also essential to help fight chargeback disputes.

By understanding the factors contributing to chargebacks, such as high chargeback ratios, credit scores, and unpaid bills, merchants can prevent them. Corepay specializes in hard-to-place merchants and can help navigate obstacles like demanding customers and inflexible banks.

High-Ticket Transactions

When making big sales, it’s essential to have a payment processor like Corepay that can handle high-ticket transactions and provide a transaction ceiling determined by your business needs.

Whether you’re a website designer or a solo developer, having a reliable merchant account that can process large payments is essential.

Recurring Billing/Subscription

Recurring billing and subscriptions are essential for businesses to establish a steady revenue stream. With a subscription merchant account, businesses can easily set up recurring billing for their customers. 

This ensures a reliable and predictable source of income, which is especially important for web design and development businesses that offer ongoing services such as website maintenance and updates.

Types Of Web Design Businesses We Service

Corepay offers merchant accounts for various web design businesses, including solo coders, small agencies, and larger development firms and IT merchant accounts.

As a provider of high-risk merchant accounts, we understand the unique challenges that web design businesses face regarding payment processing.

Our team of experts can help you navigate the complex world of payment processing, ensuring that your business can accept payments securely and efficiently. Our merchant accounts are tailored to meet the specific needs of web design businesses.

For solo coders and small agencies, we offer retail and mobile merchant accounts and virtual terminal merchant accounts for payments over the phone or typed into a computer. 

We can provide e-commerce merchant accounts for larger development firms for online shopping cart payments.

We also offer pre-integrated fraud protection technology for virtual terminal and e-commerce payments, protecting your business against chargebacks and fraud. At Corepay, we understand that every web design business is different.

With our merchant accounts, you can start accepting payments today and take your web design business to the next level.

 How To Choose A Web Design Payment Processor

If you’re looking for a payment processor for your web development business, you’ll want to find one specializing in high-risk businesses and offering integrated fraud prevention solutions. 

With the high chargeback rates and high dollar charges associated with web design and development businesses, it’s crucial to find a payment processor that understands the unique challenges of this industry.

Look for a payment processor with experience working with web design and development businesses and offering chargeback and fraud prevention tools to help mitigate risk. When choosing a payment processor for your web design business, it’s essential to consider your specific needs.

 Why Web Dev/Web Design Merchants Can’t Use Paypal

You may be surprised to learn that using Paypal for your online business may not be an option due to their strict policies on high-risk industries. 

As a web development or design merchant, you may fall under high-risk industries, meaning Paypal may not accept your business. This can be frustrating as Paypal is a widely recognized payment gateway, but there are reasons why they only accept some industries.

Here are a few reasons why web dev/web design merchants can’t use Paypal:

1. High chargeback rates: Paypal has a strict policy on chargebacks, and high-risk industries tend to have higher chargeback rates. This makes it difficult for web development and design merchants to use their services.

2. Strict underwriting guidelines: Paypal has strict underwriting guidelines, and they tend to err on the side of caution regarding high-risk industries. This means that even if you have a legitimate business, you may not be approved by Paypal.

Underwriting For Web Design Companies

When applying for a merchant account, web development and design businesses must understand the underwriting process and the factors that payment processors consider. Payment processors assess the risk associated with a company before approving a merchant account.

At Corepay, precheck all of our merchant accounts. During the underwriting, we are looking at the following:

  • Proof of legitimate business
  • Proof of credit
  • Prior processing experience
  • Chargeback ratio
  • Compliant website

Why Choose Corepay?

Corepay provides merchant services to high-risk businesses, including web design companies. With Corepay, you can access various payment processing solutions, including ACH processing, credit card processing, and subscription-based merchant accounts.

What sets us apart is our commitment to fraud prevention and chargeback mitigation. As a web design company, you may have experienced chargeback disputes, which can be frustrating and time-consuming. Corepay offers advanced fraud detection tools and chargeback mitigation services to help prevent conflicts from happening in the first place. 

In addition, we offer direct merchant accounts that you, the merchant, control. We also offer RDR, which helps lower your chargebacks considerably.

With Corepay, you’ll have everything you need to grow your web design business and provide your clients with a secure and seamless payment experience.

Fill out an application below to find out what Corepay can do for you.

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