Welcome to Mercuria Payment
The Fast, Safe Way to Accept Payments Online
Reliable merchant services and PCI-compliant payment solutions that help ecommerce stores and service businesses across the USA accept online payment processing, in-store, and on the go.
Mercuria Payments has helped businesses across the USA and Canada get approved, stay approved, and process payments without disruption. Every account is fully underwritten, individually managed, and built to run long term.
300
Businesses Helped
120000
Processed
03
Years Of Experience
One Gateway. Every Payment
CBD Merchant Accounts
High Risk Merchant Accounts
E-commerce Payment Processing
Coaching & Digital Services Payments
Subscription Billing Processing
One Provider. Six Powerful Solutions.
Zero Payment Headaches.
Online Gateway
One secure online payment gateway for ecommerce. Every payment type. Zero friction.
The Superior Stripe
Alternative
The best Stripe alternative for USA businesses that need a stable, dedicated merchant account.
High Risk Merchant Account
We approve the merchants every other processor turns away.
Chargeback Management
Real-time dispute monitoring that protects your revenue and account.
CBD Merchant
Account
A dedicated CBD merchant account built for cannabis compliance.
Integrated Payments API
Connect your entire tech stack through our online payment services API.
Works With the Tools You Already Use
500-plus integrations. HighLevel, Shopify, WooCommerce, SamCart, ClickFunnels, Magento – if your business runs on it, we already connect to it.
Other Processors Said No. We Say Let’s Talk.
Most business owners looking for merchant services for online stores in the USA do not know they are considered high risk until a processor declines them or freezes their account. Recurring billing, trial offers, high-ticket transactions, and digital products can all put you in that category.
We do not treat high risk as a red flag. We match you with a processing setup built specifically for your business model – stable, long term, no surprises.
- Recurring billing and trial offer models
- High-ticket transactions
- Future deliverables or services
- Courses, digital products, or subjective goods
- Card-not-present and online-only sales
Medium Risk You May Not Know You Qualify
Medium risk businesses sit in a grey zone. Standard processors often treat them like high risk without explanation, leading to unnecessary holds, higher fees, or sudden account reviews.
Common factors that put you in the medium risk category:
- Ecommerce businesses with moderate chargeback history
- Businesses selling regulated but legal products
- Merchants with international customer bases
- Businesses processing between $20,000–$100,000 monthly
- Subscription or membership-based billing models
We assess your business properly and match you with the right processing tier — so you are not overpaying for a high-risk account you do not actually need.
Low Risk Simple, Stable, Straightforward
Low risk merchants typically get approved quickly and enjoy the most competitive processing rates available. If your business operates in a stable industry with predictable transaction volumes, you likely qualify for low risk processing.
Common low risk business types:
- Brick-and-mortar retail stores
- Restaurants and food service businesses
- Professional services legal, accounting, consulting
- B2B businesses with invoice-based billing
- Established ecommerce stores with low chargeback rates
Low risk does not mean low support. You still get a dedicated merchant account, a dedicated contact, and transparent pricing just at our most competitive rates.
“We switched to Mercuria after Stripe froze our account with zero warning. Setup took less than 48 hours and we have not had a single issue since. The dedicated support alone is worth it.”
Marcus D.
Ecommerce Store Owner
“I sell online courses and every processor treated us like a liability. Mercuria actually took the time to understand our business and got us approved fast. Finally, I feel like we have a real payment partner.”
Sarah K.
Digital Products Business
“Our subscription model was a nightmare to manage with our old processor. Mercuria handles everything — recurring billing, chargebacks, invoicing — and we have one person to call when we need anything.”
James R.
SaaS Business Owner
Use Our Gateways
Mercuria Payment Gateway
The best online payment gateway for USA ecommerce stores, patent-pending transaction routing and deep bank relationships give you reliability and control that most gateways cannot match.
Highlights include:
- 500-plus shopping cart and platform integrations
- Hosted checkout pages with fraud scrubbing and scoring
- Tokenization and vaulted card storage
- QuickBooks integration
- Mobile payments and email invoicing
- Recurring billing and subscription management
Authorize.net
Already using Authorize.net or need to? We set it up at a lower cost than going direct and give you a dedicated point of contact to manage your account from day one.
- Lower cost than going direct with Authorize.net
- Dedicated point of contact to manage your account
- Compatible with most major shopping carts
- Fast setup with full onboarding support
NMI Gateway
Already on NMI but overpaying and under-supported? We reduce your processing costs, expand your integrations, and give you a single dedicated contact to manage everything.
- Reduce your current processing costs
- Expand your platform and cart integrations
- Single dedicated contact for everything
- Keep the gateway you know gain the support you deserve
Don’t hesitate to Contact us, if you need any other information.
01
Complete the
Application
Fill out our quick and secure merchant application with your basic business details to get started.
02
Submit Required
Documents
Upload the necessary business documents so our team can begin the review and approval process.
03
Underwriting
Review
Our underwriting specialists evaluate your application and match your business with the best payment processing solution.
04
Approval &
Start Processing
Once approved, your merchant account and payment gateway are activated so you can start accepting payments immediately.
I Want to Accept Payments Now
Fill in your details and a payment specialist will reach out within one business day
Have Any Questions?
Running a business comes with a lot of moving parts, and payment processing shouldn’t be one of the things that slows you down. At Mercuria Payments, we’re here to make things simple.
Our team works closely with businesses to help them find the right merchant account and payment solutions that fit their needs. Whether you’re launching a new online store or looking for a better way to handle payments, we’re here to help.
If you have questions about high-risk payment processing, payment gateways, chargeback management, or payment integrations, our specialists are ready to guide you and make the process easy.
Reach out to our team today and see how Mercuria Payments can help your business accept payments smoothly, securely, and with confidence.
Simple Payment Processing for Brick-and-Mortar Stores
Our merchant accounts live in as little as 24 hours. Whether you run a physical store or a hybrid retail setup, we handle the setup so you can focus on your customers.
Reliable Online Payment Processing for High-Risk Merchants
Declined before? We assess every application individually and match you with a stable long-term processing solution across industries most processors refuse.
Online Merchant Services for Any Industry
From ecommerce and digital goods to professional services and CBD, we build your merchant services around your actual business model, not a generic template.
Optimize Your Online Payments
We review your account regularly to cut fees, improve approval rates, and keep your payment flow running cleanly. You sell. We optimize.
End-to-End Online Merchant Services
Gateway, merchant account, fraud protection, chargeback management, recurring billing, invoicing, and ongoing account support. One team, one contact, fully handled.
Why Choose Mercuria Over Other Payment Gateway Companies?
Dedicated merchant account, dedicated support, transparent pricing, and a gateway built for real businesses. No frozen accounts. No generic support queues.
What Makes Mercuria the Best Payment Gateway for Small Business USA?
Our team has 20-plus years in payment processing across dozens of industries. You are working with people who have seen and solved every processing problem in the book.
Entrusted by Clients
More than 30,000 businesses have processed over twelve billion dollars through us. Our clients stay because the service is better, not because they are locked in.
Can I Try Your Online Payment Services Before Committing?
We will walk you through a live demo before you commit to anything. No pitch, no pressure, just a real look at the platform.
How Fast Can I Start Accepting Online Payments?
Most accounts go live in 24 to 48 hours. Proper upfront underwriting means your account runs cleanly from setup, no surprises six months down the line.
Which Ecommerce Platforms Does Your Payment Gateway Integrate With?
500-plus integrations including Shopify, WooCommerce, HighLevel, SamCart, ClickFunnels, Magento, and QuickBooks. If you have a tech stack, we plug into it.
