Merchant Accounts

High Risk Merchant Accounts, Credit Card Processing & Internet Payment Gateway Services

Credit Card Processing & Payment Gateway


Retail, Ecommerce & High Risk Merchant Accounts!

Apply for an Ecommerce Merchant Account to accept credit card payments online from your website or ecommerce shopping cart, and by phone or mail order. We offer extremely low rates on Retail, MOTO, and High Risk Merchant Accounts to save your business money on Credit Card Processing!

We can provide merchant accounts for new businesses or, if you already accept credit cards, we'll show you how much you can save by switching from your existing provider to a CyoGate merchant account with a Free Merchant Savings Analysis.

Connect your existing merchant account to your website or ecommerce store with CyoGate's full function low cost Internet Payment Gateway which is supported by more than 100 popular shopping carts. With tons of advanced features like electronic invoicing and load balancing, you can compare payment gateways and see why CyoGate has the best payment gateway in the industry!

We also provide robust Mobile Credit Card & Mobile eCheck Processing, Point of Banking, and alternative Credit Card Processing and customer payment solutions! And, we now offer Business Loans and Equipment Leasing to US merchants!

Apply for a Merchant Account Payment Gateway Signup Developers Portal


Business Loans & Leasing

CyoGate is associated with direct lenders that provide business loans to US merchants in need of financing. We have numerous loan programs based on business cash flow and not credit score, so you can get approved for the business loan you need even if the banks have declined your application. For more information on business loans, leasing, and lines of credit, please contact us or request a loan application.

Chargeback Prevention

Chargebacks are the leading reason merchant accounts are terminated. CyoGate can help you prevent chargebacks and ensure a positive credit card processing history! Our process works with most existing merchant accounts so a new merchant application is usually not required. For more information on CyoGate's chargeback prevention solutions, please contact us today.

High Availability Credit Card Processing

Process credit card payments during network outages or where traditional network connections are unavailable. Our wireless network backup service provides a low cost and easy to implement high availability solution for POS terminals, kiosks, digital signage, gaming terminals, and more! It is a complete managed service with low monthly payment that includes hardware, network connectivity, and ongoing support. For more information on CyoGate's high availability credit card processing and network backup solutions, please contact us today.

Retail & Internet Merchant Accounts

An Internet Merchant Account is sometimes referred to as a "MOTO" (Mail Order & Telephone Order) Account because they all require the ability to process a credit card payment when there is no physical credit card present to be swiped. A standard retail "swipe" merchant account does not allow processing of these "card-not-present" transactions.

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High Risk Merchant Accounts

If the domestic banks are denying your merchant application because they believe your industry is considered high risk, CyoGate can help! We have an offshore network of merchant processing partners that enable us to provide low cost, high risk merchant solutions to a much wider range of businesses and industries.

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Internet Payment Gateway

The CyoGate Internet Payment Gateway offers one of the quickest and most cost effective ways to accept and process credit card and electronic check payments online. Our payment gateway works with most existing merchant accounts and supports hundreds of popular web shopping carts and eCommerce platforms.

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