High Risk Merchant Accounts For Authorize.net

An Overview

Get A High Risk Merchant Account That Seamlessly Integrates With Authorize.net.

Why Choose Authorize.net For Your High Risk Merchant Account?

Your business may use eCommerce software (or another type of software) that uses Authorize.net as the default payment gateway. In that case, you’ll need Authorize.net. Beyond that, High risk businesses often choose Authorize.Net because it delivers:

• Reliability & Scale – Backed by Visa and trusted by 400,000+ merchants, Authorize.Net processes over 1 billion transactions annually.
• Broad Compatibility – Works with 140+ shopping carts, CRMs, and platforms, making it easy to plug into most existing systems.
• Fraud Prevention Tools – Includes AVS, CVV, velocity filters, and customizable rules to help reduce chargebacks.
• Supports High Risk Industries – Supports most high risk businesses, from supplements and coaching to firearms, travel and subscription businesses.

Together, a SoarPay high risk merchant account and the Authorize.Net payment gateway provide high risk businesses with dependable payment processing, robust fraud protection, and integration flexibility—helping merchants accept payments securely while protecting their business.

How To Integrate Authorize.net With Your High Risk Merchant Account

Overview: A step-by-step guide to connecting your SoarPay high risk merchant account with Authorize.Net, so you can start securely accepting credit card payments through your website, shopping cart, or virtual terminal.

Step 1: Welcome Email
Once approved for your high risk merchant account from SoarPay, you’ll receive a welcome email containing your:

1. Authorize.Net Login URL
2. API Login ID
3. Transaction Key

Save this information—it’s required to set up your payment gateway.

Step 2: Log Into Authorize.Net

1. Go to the Authorize.Net login page (link provided in your welcome email).
2. Enter your login and password credentials.
3. Familiarize yourself with the dashboard, as you’ll use it to manage settings, run reports, and review transactions.

Step 3: Adjust High Risk Account Settings
If you’ve received your high risk merchant account from SoarPay we automatically configure common fraud prevention settings such as: Address Verification Service (AVS), Credit Code Verification (CCV), Daily Velocity Filter, and Advanced Fraud Detection Suite (AFDS) to settings ideal for most high risk businesses. You may later adjust these settings to suit your businesses needs.

To do this, inside Authorize.Net, go to Tools > Fraud Detection Suite (FDS). Common settings that high risk merchants should review include:

1. Address Verification Service (AVS) – Block or flag transactions where the billing address doesn’t match the card issuer’s records.
2. CVV Verification – Require the 3- or 4-digit security code on all card transactions.
3. Velocity Filters – Limit the number of transactions per card or per IP in a given timeframe to prevent fraud bursts.
4. Transaction Amount Filters – Set minimum/maximum limits to flag unusually large or suspicious payments.
5. IP Filters – Block or allow specific countries/regions if your business only serves certain geographies.

Step 4a: Connect Authorize.Net to Your Shopping Cart or Website
If you plan on offering eCommerce shopping, you’ll need to connect your selected Shopping Cart with your Authorize.net payment gateway. We have specific integration instructions for each of the major Shopping Carts here, but generally speaking, here are the steps.

1. In your eCommerce platform’s admin panel, locate the Payment Settings section.
2. Select Authorize.Net as your payment provider.
3. Enter your API Login ID and Transaction Key.

Step 4b: Use Authorize.net as a Virtual Terminal
If you want to accept Virtual Terminal (over the phone) payments, first login at: https://account.authorize.net.

1. Click Tools from the main toolbar.
2. Select either Charge a Credit Card or Charge a Bank Account.
3. Select Authorize and Capture.
4. Enter the customer’s payment information in the fields provided.
5. Enter the amount of the transaction and enter any other customer information in the fields provided.
6. Click Submit.

Step 5: Start Processing Payments!
You’re now set up to accept credit cards online using Authorize.Net paired with your SoarPay high risk merchant account. This integration gives you a stable, secure way to process payments, complete with fraud protection and industry-leading reliability.

Why Do So Many High Risk Businesses Choose Soar Payments For Their Credit Card Processing?