Credit Card Processing

Top 5 Best High-Risk Credit Card Processors for 3dcart

July 22, 2023

3dcart completely revolutionized the e-commerce industry. By enabling merchants to sell products and services across multiple channels, 3dcart vastly increases 3dcart merchants’ potential to grow their businesses. Unfortunately, like most businesses in the online space, 3dcart merchants find it challenging to secure a merchant account. This is because traditional financial institutions generally consider it a high-risk industry.

Fortunately, the market gap created by the unavailability of payment processing solutions for high-risk industries has paved the way for a new form of payment processing service: high-risk merchant account provision.

But with so many companies providing this service and the hefty fees imposed on merchants, business owners have to face a new challenge – picking the best credit card payment processor. So, to make your search easier and help you make an informed decision, we’ve compiled some of the best high-risk credit card processors for 3dcart credit businesses. We’ve also thrown in some important information to help you pick the best fit for your business.

image of why is 3dcart-considered high risk


Why Is 3dcart Considered High-Risk?

Businesses are considered high-risk based on two primary reasons: the industry they operate in and the risk of financial failure. With regard to the former, 3dcart businesses operate in the online space, which is barred by numerous cases of fraud and chargebacks.

Credit card processing companies are skeptical about working with high-risk businesses like 3dcart because they are at a higher risk of financial losses due to chargebacks. They also share the blame whenever they’re found working with an illegal business, which might tarnish their brand’s image.

To protect their financial stability and brand image, high-risk credit card processors typically impose higher fees on high-risk merchants. They also have rolling reserve requirements to cushion against financial losses in case of higher chargebacks.

Types of High-Risk Merchant Account Providers

There are two main types of merchant account providers, each operating differently and with vastly different processing fees. They include the following:

  • Acquiring banks: Acquiring banks are typically financial institutions that process credit and debit card transactions on behalf of high-risk merchants. They allow merchants to accept payments from various partnered card-issuing banks and associations like American Express, Visa, and MasterCard. Unfortunately, due to the incredibly high-risk nature of 3dcart, most acquiring banks might not be willing to work with you.
  • Independent sales organizations (ISOs): ISOs are basically the smaller version of acquiring banks. They partner with several banks and financial institutions to process payments on their behalf. While ISOs charge higher processing fees than acquiring banks, they are more lenient on the clients they choose to work with, making them an excellent choice for high-risk merchants who’ve had trouble getting a merchant account from acquiring banks.

Best High-Risk Credit Card Processors for 3dcart

Despite the high-risk categorization imposed on 3dcart businesses by traditional financial institutions, numerous merchant account providers are willing to work with them. Some even specialize in working with businesses in the online space. Here are some of the best high-risk credit card processors for 3dcart.

image of durango merchant services for 3dcart


Durango Merchant Services

Durango Merchant Services is one of the best merchant account providers for 3dcart. It has lenient qualifications for high-risk businesses and partners with various financial institutions to streamline the account approval process.

The company also offers several beneficial integrations for 3dcart, including online shopping cart integration, e-check processing, and a proprietary payment gateway. The payment gateway has a robust set of features, such as a gateway emulator that makes it easy to switch from a different gateway, a secure customer information vault, and recurring billing support.

In terms of security, Durango Merchant Services leaves nothing to chance with its effective fraud filtering and prevention services, including iSPY and EMV 3D Secure 2.0. The merchant account also comes with chargeback prevention features and a dedicated account manager for efficient customer service.

National Processing

National Processing is a merchant account provider that serves low and high-risk industries, including e-commerce businesses like 3dcart. Unlike most merchant account providers, National Processing is fully transparent about its pricing plans, with full pricing disclosures posted on the company’s website.

The company offers month-to-month billing with no long-term contract or early termination fee obligations. The application process is pretty straightforward; all you have to do is fill out a free online application form and wait for a reply. The company offers fast pre-approval for applicants, with most approvals taking less than 72 hours.

With a National Processing high-risk merchant account, you get access to a free payment gateway, a virtual terminal for mobile payments, seamless ACH processing services, and third-party integrations with e-commerce platforms. The company also offers fraud and chargeback mitigation services to help prevent financial losses.

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Soar Payments

Soar Payments is a merchant account provider that specializes in working with high-risk industries. It offers a fast and easy onboarding process, with less than 24-hour account pre-approval. You may have to wait an additional three to five business days for underwriting, but that’s already a short time to wait for a high-risk merchant account.

Soar Payments offers direct integrations with various services, including accounting, e-commerce platforms, and Customer Relationship Management (CRM) systems.

Like most high-risk merchant account providers, Soar Payments also offers chargeback management and fraud detection services. The company partners with, which offers integrations with chargeback mitigation features into your payment gateway. You also get email alerts and representative services for fighting illegitimate chargebacks with a Soar Payments account.

SharkPay Crypto

SharkPay Crypto is a cryptocurrency exchange gateway that also doubles as a high-risk merchant account provider. The company partners with several banks and other financial institutions to offer seamless payment processing services and fast approvals.

It accepts various payment types, including cryptocurrency, e-checks, ACH, and several credit and debit card brands. It also offers robust chargeback and fraud mitigation services, as well as email alerts and expert advice on fighting illegitimate chargebacks.

Getting a SharkPay Crypto high-risk merchant account is easy. The company has a free online application form and typically processes pre-approvals in about 24 to 72 hours. It’s also worth noting that the company doesn’t charge any account setup fees, and their processing fees are quite reasonable.

image of smb global for 3dcart

SMB Global

SMB Global is arguably one of the best high-risk credit card processors for 3dcart, especially when it comes to guaranteeing financial security. The company offers robust fraud and chargeback management services, including an analytics platform that displays your chargeback count. The platform also responds to chargebacks automatically, which gives you a better chance to fight chargebacks effectively.

The merchant service provider accepts various payment types, including ACH, e-check, and all major credit and debit cards. It also processes online and mobile payments through NMI and payment gateways. The company also offers more than 175 shopping cart integrations and offshore account support.

SMB Global partners with various banks and payment processors to facilitate a short and successful application process. Although you may have to wait a few business days for underwriting, you can get your account pre-approved within 72 hours.

Why Choose a High-Risk Merchant Account?

The high processing fees that come with high-risk merchant accounts may be off-putting for some merchants, but the benefits they provide for your business far outweigh the costs. Here are a few reasons why high-risk merchant accounts are a basic necessity for any high-risk business.

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Chargeback Protection

Chargebacks are some of the greatest challenges for 3dcart merchants. They pose significant financial risks that may affect your profit margins or have your merchant account closed altogether.

Fortunately, all major merchant account providers offer chargeback mitigation and fraud prevention services to protect your business from financial losses due to illegitimate chargebacks. Some payment processors also offer expert advice on fighting illegitimate chargebacks to give you a better chance at winning against fraudulent customers.

Worldwide Coverage

Most high-risk merchant account providers offer international payment processing services. This means that you can operate in different countries and accept payments in various currencies. This feature is vital for 3dcart merchants who offer online-based services like tech support since most of their customer base spans several countries

Access to More Customers

As the world transitions into a cashless economy, more and more customers are opting to pay for goods and services through cryptocurrency and credit or debit cards. If your business is unable to accept these forms of payment, you may end up losing out on potential revenue.

High-risk merchant account providers offer payment processing services for various forms of payment, thus allowing you to accept multiple forms of payment. What’s even more impressive is they process these payments and deposit the money directly into your account, even with cryptocurrency transactions.

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Besides offering chargeback and fraud mitigation services, high-risk merchant account providers also safeguard your business and customer data. This is especially vital for 3dcart businesses, which are easy targets for hackers and scammers who aim to steal your customers’ private data and payment details.

The Bottom Line

3dcart is widely considered riskier than most high-risk industries due to the high potential for fraud and chargebacks in the industry. Fortunately, numerous payment processors are willing to work with 3dcart merchants, although at a higher cost than non-high-risk businesses. You may have to dig a little deeper into your pockets to maintain a high-risk account, but you’ll find that the benefits it provides your business far outweigh the extra costs.

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