Merchant Accounts For Clothing & Apparel Stores

SoarPay offers credit card processing solutions for clothing and apparel stores.

Why We Proudly Offer Solutions for Apparel Industry Businesses (Even When Many Processors Don’t)

Many merchant services companies do not work with apparel industry businesses, for three primary reasons:

Credit card processing for clothing and apparel businesses

  • First – many clothing and apparel businesses sell their goods primarily through Internet distribution. Internet sales are often perceived as “high risk” within the merchant services industry because the card and cardholder are not present.
  • Second, many clothing and apparel businesses have a moderately high chargeback rate, due to the high incidence of returns, exchanges, and sizing-related customer service issues within this retail sector.
  • Third, a few “bad apple e-retailers” within this sector have given the industry a bit of a black eye (in the context of merchant services).

Due to these three risks, many merchant services providers decline to accept any clothing and apparel business, whether they operate as an online store, a physical retailer, or even a manufacturer, wholesaler, or distributor.

Soar Payments, by contrast, has consistently offered solutions for the clothing and apparel industry since our founding. Our extensive relationships with credit card processors and sponsor banks who have the capability to underwrite regulated industries, in addition to our integration of chargeback and fraud prevention software, uniquely positions Soar Payments to provide retail, e-tail, and wholesale clothing businesses with stable, effective, long term credit card processing solutions.

Click Here to Apply Online Now. It takes about five minutes, and you’ll receive an instant price quote to DocuSign.

Frequently Asked Questions for Clothing & Apparel Credit Card Processing

Here are common questions specific to clothing and apparel merchant accounts:

What types of clothing and apparel businesses do you service?

Soar Payments offers merchant processing solutions for a wide range of retail, eCommerce and mobile-based businesses related to clothing and apparel. These include your typical brick-and-mortar apparel retailer (including specialty boutiques, consignment shops and second-hand stores), as well as online retailers of clothing and accessories, plus other B2B apparel businesses including artisans and clothing manufacturers, wholesalers, and distributors.


Is Soar Payments compatible with my existing POS (Point Of Sale) or shopping cart software?

Established clothing businesses typically have a preferred eCommerce or Point Of Sale (POS) software platform they use. Because Soar Payments works with most major payment gateways (including, USAePay and NMI), our apparel merchant accounts integrate with most popular software suites used by clothing and apparel businesses including Shopify, WooCommerce, BigCommerce, Magento, and WordPress.


Do you accept dropshipping businesses in the clothing and apparel industry?

Soar Payments partners with some of the best banks and processors in the merchant services industry to offer solutions for dropshipping clothing and apparel businesses. If you have a business that sells apparel online using dropshipping, then Soar Payments can provide access to processing partners who will work with dropshipping businesses like yours.

Have another question? Click here to read our full FAQ.

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Types of Clothing and Apparel Merchant Accounts

Soar Payments offers a full-array of merchant accounts to online, brick-n-mortar, and other businesses in the clothing industry. These include:


A retail merchant account for clothing & apparel enables businesses to accept face-to-face debit and credit card payments via a traditional credit card machine or point of sale system.
Ideally suited to a storefront or retail setting with reliable internet access, retail apparel credit card processing accounts typically have the lowest chargeback and fraud risk and as a result are afforded the lowest credit card processing pricing.

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A mobile merchant account for clothing and apparel enables your business to accept face-to-face credit and debit card payments via a swiper (included with each account) that plugs into your mobile phone or iPad.

Appropriate for businesses that frequently conduct face-to-face sales outside of a storefront, such as “pop-up” clothing stores, mobile accounts are priced similarly to retail, due to their lower chargeback risk.

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Virtual Terminal

Also called a payment gateway merchant account, a virtual terminal enables businesses to accept payments over the phone, via mail, or typed into a computer (without needing outside equipment). They also have invoicing solutions which allow the merchant to email an invoice to the customer, which they can pay online.

A clothing & apparel payment gateway account is ideal for businesses that accept payments over the phone, or via mail order. Virtual terminal payments are particularly vulnerable to fraud, therefore Soar Payments offers integrated chargeback protection.

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An eCommerce apparel merchant account allows you to accept credit card payments via your website’s online shopping cart.

Our eCommerce credit card processing accounts integrate seamlessly with most major payment gateways and shopping cart software, making setup simple. Online apparel sales payments are vulnerable to fraud and chargebacks, consequently, we offer pre-integrated fraud protection technology.

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How Does The Application Process Work?

Step 1. Apply Online

Complete the online application process (it takes 5 minutes). Click here to begin.

Step 2. Get An Instant Quote

You’ll instantly receive a quote with Industry Minimum Pricing to DocuSign.

Step 3. Start Accepting Payments

Our Houston based Customer Support Team will help you get set up, fast and easily.

Our friendly Customer Support Team is standing by to approve your application:

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