High Risk Merchant Accounts For Shift4Shop (Formerly 3dcart)
An Overview
Get A High Risk Merchant Account That Seamlessly Integrates With Your Shift4Shop Shopping Cart.
Shift4Shop (formerly 3dcart) is a robust, all-in-one eCommerce platform offering powerful tools for building and managing an online store. While it includes built-in features for store design, inventory management, and digital product sales, high-risk merchants will need to take an extra step when it comes to payment processing.
Because Shift4Shop’s native payment processor, Shift4 Payments, does not support high-risk industries, merchants in categories like CBD, supplements, firearms, or adult products must integrate a third-party gateway such as NMI or Authorize.Net. These gateways allow you to connect your approved high risk merchant account while still taking advantage of Shift4Shop’s full eCommerce functionality.
By pairing Shift4Shop with a compliant payment gateway, high-risk merchants can securely process transactions, reduce chargeback risk, and maintain compliance—without sacrificing performance or control.
Why Do Some Shift4Shop Users Need A High Risk Merchant Account?
3dcart users sometimes need an alternative to other processing solutions for a number of a reasons:
- Industry Is High Risk
Your Shift4Shop ecommerce store sells some products within industries that banks or companies like Square, Stripe, Shift4 or PayPal categorize as “high risk.” This categorization is up to their discretion (and may change over time), but in general, a “high risk” categorization may encompass industries such as supplements & nutraceuticals, vape products, travel, etc. - Previous Chargebacks
Your current processing account has received multiple chargebacks within a relatively small sample size of orders. Depending on your order volume, even two or three chargebacks within a month could trigger an automated or manual review of your merchant account.
How to Integrate Shift4Shop With Your High Risk Merchant Account
Overview: A Step-By-Step Guide, how to accept customers’ credit card payments in your website’s Shift4Shop (formerly 3D Cart) shopping cart by connecting it with Authorize.net, to which your new SoarPay High Risk merchant account is already connected.
- Welcome Email
- Once approved for a merchant account, you’ll receive a welcome email with your
- Authorize.net Login, API Login ID Key, and Transaction Key. Save this information.
- Add Authorize.net as Payment Method
- Login to Your 3DCart / Shift4Shop Online Store Manager
- Go to Settings > Payment
- Click the “Select Payment” button listed within “Payment Methods”
- Click the +Add New button located at the top right.
- Choose Authorize.net in the Payment Method dropdown, Click Add.
- Add Authorize.net Keys to Shopify
- In the new Authorize.net section of 3DCart / Shift4Shop:
- Enter the API Login and Transaction Key from your welcome email. Click Save.
- Click the “test” button to make sure Authorize.net is integrated properly. If so, you will see a declined transaction in your Authorize.net account when you login there.
- In the new Authorize.net section of 3DCart / Shift4Shop:
- Start Processing!
- You are now ready to start accepting credit cards in your shopping cart via Authorize.Net and your new SoarPay High Risk merchant account!
Why Do So Many Shift4Shop Users Choose Soar Payments For Their Credit Card Processing?
- Soar Payments specializes in merchant accounts for high risk and hard to place businesses. So your unique ecommerce business can get approved and processing “ASAP.”
- It’s easy to integrate a Soar Payments merchant account with your 3dCart store. The process takes about five minutes (and we can even walk you through it!)
- You will automatically receive our Industry Minimum Pricing (even if your business operates in a high risk industry). Get simple, transparent pricing (and no hidden fees).
Our friendly Customer Support Team is standing by to approve your application
Questions? (888) 225-9405
Tips for High Risk Merchants Using Shift4Shop
Integrating a third party merchant account with Shift4Shop / 3dcart is a three step process that takes about five minutes:
- Avoid Shift4 Payments as your payments provider, it doesn’t support high-risk.
- Use NMI or Authorize.Net as a payment gateway, paired with a proper high-risk merchant account.
- Enable fraud tools like 3‑D Secure, AVS, CVV filters, and velocity rules.
- Follow Step-by-Step guides such as the one above to configure correctly.
- Validate your setup with test transactions and monitor regularly.
Shift4Shop Resources For High Risk Merchants
Here are some resources you may find helpful if your business uses the Shift4Shop ecommerce platform, and you’ve been categorized as “high risk.”
How to Set Up Payment Methods: Walkthrough of setting up payment methods for your Shift4Shop-powered ecommerce store.
3dcart Payment Gateway Options: Shift4Shop integrates smoothly with high-risk-friendly gateways like Authorize.Net, and NMI, —ideal for industries such as vape, FFL, tobacco accessories, tactical gear, adult products, and nutraceuticals
How Does The Application Process Work?
- Apply Online
Complete the online application process (it takes 5 minutes). Get Started - Get An Instant Quote
You’ll instantly receive a quote with Industry Minimum Pricing to DocuSign. - Start Accepting Payments
Our friendly, in-house client support team will help you get set up. We’ll make it fast and easy.
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