Dual Payments Is Your One Stop Shop For Merchant Services!

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Dual Payments Is Your One Stop Shop For Merchant Services!

Find the Right Solution for Your Business

Please fill out the form below and one of our owners will be happy to listen and help you find free online credit card processing for your business.

Core Values Of Dual Payments

These four core values are very important to Dual Payments. Our goal is to make sure that once we add a customer, we keep them for life. Many other credit card processors will give great teaser rates to start, but then lock you into a 3 or 4 year card payment processing contract with hidden fees attached. After a few months, your once rates guaranteed will start gradually moving up. That’s why we are a no contract company. We want to make sure the great, lower rates we give you day one will be the same rates you see 3 years from now. We want all our customers to not only be excited about merchant services card processing through Dual Payments, but finally be happy with their merchant processing service decision.

Integrity

Here at Dual Payments, integrity comes first. We are totally transparent when it comes to pricing. We don’t lock you into lengthy contracts or force your business to pay high prices for equipment. When your business succeeds, we succeed.

If you are a small business owner, we understand that you have enough things to think about, like obtaining business loans from financial institutions, as it is. It can be stressful trying to integrate payment processing solutions.  That is why we want to make finding a payment processor as simple as possible for you.

Honesty

We want to be straight with you about what we can do for your business. No hidden charges, no flat rate hikes after you’ve been debit cards, gift cards and credit cards processing for 6 months and no monkey business. Let us show you how much money we can save your business each month, and you’ll be a customer for life even without the contract.

Dedication

We are dedicated to our merchants. We don’t base rates on the size of the business like you might find with another payment processor. We are a merchant account provider who feels that all merchants are equal and should all get the same low credit card processing rates. We make selling easy so you can focus on growing your business.

Service

When it comes to customer service, you’re dealing with the owners and operators of this business. We don’t send our calls overseas to a call center where nobody speaks English or understands our product. With Shift Processing, you’re working alongside real Americans who want to see your business prosper.

After a Strategy Call with One of Our Experts, Sign-Up is a Breeze and Only Takes a Few Minutes

Our merchant services are month-to-month and there are no long term contracts.

Many customers ask us, “Which merchant service is best?”

The best merchant service providers are,  simply, the ones that can offer you the lowest transaction fees and the best service. We recommend going with a merchant account processor that does more than accept credit cards, like American Express, Visa and Mastercard.. While accepting major credit card sales is vital to finding POS solutions for your business, it is not the only necessary feature. It must also be able to accept other payment methods or payment options, as well as potentially performing online credit card processing on your web site. 

Many payment management systems can directly move payments accepted from sales to the banks account, business checking accounts, or business accounts of the merchant that is accepting the sale. A registered ISO, or independent sales organization, is responsible for signing up merchants to accept credit cards on behalf of the acquiring bank. 

Credit card manufacturers must maintain PCI compliance, or be forced to pay fees if they don’t. Remaining PCI compliant will help to keep customers’ information safe and secure. 

Are you ready to process mailed or called in payments at a lower interchange rate? Would you like to increase your income through recurring client billing?

Merchant Services for all your business needs

EMV Credit Card Terminal

A credit card terminal, or credit card machine, can be a great option for your merchant business. Terminals can run through phone lines, internet or even be wireless, and are usually used by restaurants or retail storefronts. Here at Dual Payments we offer many options when it comes to Credit Card terminals. We even offer a free terminal solution to eligible businesses.

EMV terminals can vary greatly in terms of features. All terminals should be able to accept payments from contact and contactless payment methods. Find the one that has the features that is best for your business.

Virtual Terminals

Save money and improve sales by using our Virtual Terminal. Our online merchant payment solutions and payment gateway allows you to easily and securely accept credit and debit card transactions on your computer anywhere, at any time. If you’re looking for a recurring billing solution, our Virtual Terminal has you completely covered. Our Virtual Terminal caters to business owners looking for an add-on or alternative to point-of-sale hardware.

Point of Sale System

A point of sale system is used mostly by restaurants or retail storefronts but can offer more options than a credit card terminal. Point of sale solutions can run through internet or even be wireless processing systems and have added options like inventory management tools, and social marketing. Here at Dual Payments we think every business should have the opportunity to inexpensively purchase a point of sale system that can help their business grow. We even offer a FREE point of sale system for eligible services business.

High Risk Merchant Services

Dual Payments works directly with banks in strategic countries to assist merchants in high risk industries. There are many obvious high risk industries, like the cannabis industry, but there are also less obvious high risk industries, like the car rental or even the real estate industry. While the internet has led to an explosion of international sales and E-Commerce volumes, it does not come without risks. (Not being able to verify a signature, compare other ID, etc…) There is increased risk of use of stolen credit cards or unauthorized use of valid commercial cards may increase. While it is impossible to catch all instances of fraud, there are a number of techniques that can be used to reduce the potential for fraud and chargebacks. That is why Dual Payments high risk merchant services and payment processing accounts employ the most up to date anti-fraud scrubbing tools in the industry to help protect our merchants from losses.

Some businesses are considered high risk because of the possibility that they may not get their money immediately. Businesses that hand out funds through loans or merchant cash advances might be considered high risk because of the uncertainty of when the money and interest will be paid back to them.

E-Commerce

Does your business sell online? Many people think Paypal is the smart way to go. And depending on the amount of transactions you run, it can be. But Paypal’s overall rates are much higher, so once you start doing $5000 or more a month in transactions, Dual Payments’s E-Commerce account becomes a much better fit. If your company needs ecommerce solutions to process payments online, find out how Dual Payments can help you.

Many businesses that develop an online presence and begin to process online payments have improved investor relations, as well as satisfy their corporate governance, because their businesses naturally sell more products and thus make more money. Processing credit cards online will only help you grow your business.

Mobile Processing

At Dual Payments we have two different mobile credit card processing solutions. The first solution is for smaller businesses and is comparable to square and paypal. Dual Payments’s solution is cheaper than both because we don’t spend money on heavy advertising. The second solution is for businesses with higher volume and multiple representatives in the field. This integrated payments system comes with a free virtual terminal and unlimited connected payment card readers for easy mobile payments processing.

​The Virtual Terminal

  • Manually key in retail credit card information to accept credit card payments.
  • Process payments, refunds or void transactions in real-time or in batches.
  • Set up recurring or installment billing for memberships or subscriptions.
  • Print receipts immediately or securely store card information for invoicing.
  • Access real-time semi-annual or annual reports and export data to track performance.
  • Accept electronic payments on-the-go, by phone, fax, or mail.

Are you ready to process mailed or called in payments at a lower rate? Would you like to increase your income through recurring client billing?

Download a Zero Fee Case Study

Learn more about how Zero Fee Processing has actually put money back in the pockets of a real-life business owner.

Request A Call From A Dual Payments Representative

We know you’ve got questions. You could spend the day reading every word of our website, but you might find answers more quickly by just asking someone from our team. That’s what we’re here for!

Download a Zero Fee Case Study

Learn more about how Zero Fee Processing has actually put money back in the pockets of a real-life business owner.

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Example of High Risk Merchants

  • 1-900 Phone companies – If you’re the type of company that charges people to have a chat on the phone, you’ll be considered high risk.
  • Adult Bookstores – Clearly a part of the adult entertainment industry, and an easy mark for the high risk tag.
  • Adult Entertainment – Any business labeled with the “adult” descriptor will automatically be assigned a high risk status.
  • Adult Toys – As “adult” is in the name, it’s an easy target for association with the adult entertainment market.
  • Airline Industry – Due to cancellations on high ticket purchases, this will put your airline company in the high risk category
  • Amazon Stores – By having a high rate of return, Amazon stores are seen as high risk.
  • Ammo Sales – Association with the weapons industry guarantees high risk status.
  • Annual Contracts – Any time an annual contract is involved it can be considered highrisk because most consumers forget they signed up and chance of chargeback can be high.
  • Antiques – With a high average ticket per item, antiques are considered a risky merchant type.
  • Astrology – The study of the celestial bodies and the influence on human affairs can be a chargeback target if customers feel like they aren’t getting the answers they want.
  • Auctions – Because of the nature of bidding on a product and not having a set price the risk level goes up.
  • Autographed Collectables – There is almost always a question as to whether an autograph is authentic, and therefore chargebacks are much higher in this industry.
  • Automotive Brokers – Brokers of automobiles have a very high average ticket are are therefore of higher risk.
  • Bankruptcy Attorneys – Since the people who are working with bankruptcy attorneys are usually in financial trouble, the odds that a payment would be charged back is higher.
  • Betting Services – In many states betting is illegal but for the legal states betting with a credit card has huge chargeback implications.
  • Brokering – When a third party is involved with selling a product the risk level goes up ten fold.
  • Business Loans (Merchant Cash Advances) – Loaning money is always risky, but with business loans and startup lending, high risk is present by the nature of the business.
  • Casino – Just like a betting service, if a customer gambles with their credit card the chargeback rate sky rockets.
  • CBD Products – CBD itself poses high chargebacks because of the legitimacy of the product and the health benefits promised.
  • CBD E commerce – CBD E Commerce has twice the charge back of retail CBD because many consumers don’t feel like the product they receive gives them the benefits promised.
  • Check Cashing (Check Processing) – The level of fraud in check cashing and cash advances is what gives this industry a higher risk consideration.
  • Cigarettes – With higher levels of risk for theft and criminal activity, cigarette sales are deemed high risk.
  • Collection Agencies (Collection Agency) – Many banks see collections as an unsustainable business model that is many times unreliable.
  • Collectible Coins – A higher level of chargeback in this industry gives it a high risk tag.
  • Collectible Currency – Due to the level of inauthentic collectibles, the risk of chargebacks are much higher with collectibles.
  • Copyrighted eBooks – When someone sells something copyrighted without permission many legal issues can arise.
  • Coupon Programs – With many coupon programs the coupons expire and once they expire the consumer wants the money back they spend.
  • Credit Counseling – Due to their clients usually being in financial problems, this industry is fraught with non-payment and fraud.
  • Credit Protection – Most people that need credit protection are bad with money so chargebacks abound.
  • Credit Repair – If a consumer needs credit repair then chances are they are a high risk for chargebacks.
  • Currency Sales – Many businesses that exchange currency do it at incorrect rates hence more chargebacks.
  • Dating Services – Dating is a volatile industry, and is also lumped in with the adult entertainment industry, making it a high risk account.
  • Debt Collection Services – As the collection of debt isn’t always possible, this industry retains the tag of risky.
  • Debt Consolidation Services (Debt Consolidators) – Consolidating debt is a challenging business and as debt is usually the problem, it’s seen as unsecure from a payment perspective.
  • Debt Repair Services – Since the clients of debt repair services are usually having financial challenges, it makes this industry seem a higher risk.
  • Discount Health Programs – Many people don’t feel they are really getting a discount so they try to get their money back and if they don’t the chargebacks sky rocket.
  • Discount Medical Care Programs – Just like the discount health programs if they don’t save the consumer wants their money back.
  • Drug Paraphernalia – Anything that is associated with the drug trade is considered high risk. Offshore merchant accounts are commonly used for this type of business.
  • E Commerce – As the source of the payment is unverifiable at the point of sale, any transaction without the card present has a higher risk of credit card fraud.
  • Ebay Stores – Many people sell items that aren’t as described so chargebacks can be an issue.
  • Electronic cigarettes – much like traditional cigarettes, e-cigarette sales are also deemed high risk.
  • Electronics – This industry has a much higher ticket compared with many other businesses. A chargeback for a $3,000 tv or two and your account can be in jeopardy rather quickly.
  • Escort Services – This is deemed a part of the adult entertainment industry and therefore needs a high risk merchant account and payment solution.
  • Event Ticket Brokers – If a customer buys a ticket and doesn’t use it they feel like they can charge the transaction back.
  • Extended Warranty Companies – Warranties are rarely used so people try to charge back the money that has been spent paying for them.
  • Federal Firearms License Dealers – Any organization associated with guns or firearms is automatically considered in this category.
  • Fantasy Sports Websites – Just like gambling, if a person starts to lose too often they try and charge back the transaction.
  • Finance Brokers – The entire financing industry is risky. By simply extending credit to other individuals, this business is betting that a majority of them will actually pay what they say they will.
  • Financial Advising/Consulting – The high risk tag on financial advisors isn’t about the advisors or their firm. It’s about the clientele and their current circumstances.
  • Financial Loan Modification Services – Due to a clientele in financial struggles, the high risk term is applied to any payments in this industry.
  • Financial Planning – Anything that includes risk for the consumer can have consumer implications with chargebacks.
  • Financial Strategy – Another risk and reward category, if money is lost, consumers try charging back making this a high risk industry.
  • Fortune Tellers – When a person doesn’t hear what they want to hear, or what is told doesn’t happen, the fortune teller can receive huge chargebacks.
  • Furniture Sellers – High risk only when its custom furniture.
  • Gambling – If money is lost the chargebacks rise.
  • Gaming – Chargeback levels skyrocket when consumers don’t win.
  • Get Rich Quick Programs – It’s rather common in this industry for an individual to purchase the training and then chargeback their purchase saying it didn’t deliver on what was promised.
  • Google Stores – With a high rate of return on their items, Google stores are considered high risk.
  • Gun Sales (Firearm Sales) – The gun and projectile industry is automatically associated with high risk credit card processing.
  • High Average Ticket Sales – With any high average ticket, just a couple of chargebacks can mean a massive shift in how risky the account is deemed by the processor.
  • Home/Vacation Rentals – Many issues with chargebacks can take place if the consumer decides not to travel.
  • Horoscopes – Many people believe this is hocum so will chargeback transactions.
  • How To Programs – A common practice in this industry is to purchase the program and charge it back with the description that it didn’t deliver what it promised.
  • Hypnotists – Many merchants will charge back these transactions if results they hoped for were not met.
  • Import/Export Business – Another example of taking goods over country borders which automatically brings in additional risk to any processing account.
  • Indirect Financial Consulting – When using a third party to consult, the high risk status gives the processor fraud protection.
  • International Cargo – Any time you introduce a multi-country element to credit card processing, the ability for fraud to be introduced skyrockets.
  • International Merchants operating in the US – Since the merchant isn’t operating from the United States, there are many unknowns about what is happening on the other side of their business, thus increasing the risk.
  • International Shipping – Transporting goods between countries is risky and introduces all sorts of elements to the financial stability of any transaction.
  • Investment Books – consumers get upset if the investor isn’t right which can lead to chargebacks.
  • Investment Firms – As investments are never a “sure thing” this is considered a risky industry for having a merchant account.
  • Investment Strategy – Anything with future promises can lead to chargeback.
  • Knife Sales – weapons of any kind are automatically given high risk status.
  • Kratom E Commerce – Accepting payments online is high risk, and Kratom is a substance in the health and wellness industry, which is also considered high risk.
  • Life Coaching – With no tangible goods involved in the transaction, life coaching is considered high risk.
  • Lingerie Businesses – Associated with the adult entertainment industry, chargebacks abound.
  • Lotteries – In most states you can buy lottery tickets with a credit card but if you’re allowed to and the ticket is not a winner, consumers try to chargeback the transactions.
  • Magazine Sales – Many magazine sales are recurring subscriptions, which can have issues with chargebacks.
  • Magazine Subscriptions – Same as magazine sales chargebacks can be huge when a recurring subscription happens. (often referred to as recurring billing.)
  • Mail Order Companies – When something is ordered through the mail chargeback risk can go up.
  • Marijuana Dispensaries – As marijuana isn’t a legal substance in every state, this is considered high risk due to the legality of the product. Cannabis credit card processing is available through Shift Processing.
  • Matchmaking Services – Another branch of the dating tree, and often associated with the adult entertainment industry.
  • Medical Devices – If a medical device doesn’t do what’s promised the purchaser may chargeback the transaction.
  • Membership Organizations – This is another instance of where the transactions don’t have any tangible product and are easily charged back to the merchant account.
  • Merchants on the MATCH list – If you are a merchant who has been reported to the MATCH list (Member Alert to Control High Risk Merchants) or the TMF (Terminated Merchant File) you are given high risk status.
  • Merchants with Poor Credit – Merchant accounts are given based on the credit score of the business owner. It’s assumed that the business owner is going to be making the financial decisions for the business, and a poor credit score reflects on the viability of any business transactions.
  • Modeling Agencies – At many agencies models are promised the world and it doesn’t happen. The consumer then wants their money back.
  • Movie Downloads – Transference of a digital product is considered of higher risk. Also, rarely is a physical card present at time of purchase.
  • Multilevel Marketing Sales – Often associated with pyramid schemes, MLM sales are considered a risky business.
  • Music Downloads – Purchasing any digital product is considered to be of higher risk than a physical transaction. Most of the time the card is not present in a digital transaction using a shopping cart.
  • Not A US Citizen Doing Business In The US – It’s possible to get a merchant account without a US social security number, but not having a SSN will increase the risk the processor will have in issuing a merchant account for your business.
  • Online Adult Membership Sites – If you’re running a website that is adult themed and requires payment for access, this is a highly volatile account and definitely high risk.
  • Offshore Corporations (Offshore Merchants) – The international element is what gives the high risk tag when looking for domestic merchant accounts.
  • Online Gambling (Online Gaming) – Without a card being present and gambling as the activity, there are two reasons why this would be on this list. Online payment alone is risky even without the gambling element.
  • Overseas Exporting Services – The introduction of the international element is what gains access to this list.
  • Pawn Shops – There’s a general stigma that goes along with pawn shops, and it’s reflected in their assignment to the high risk processors list.
  • Penny Auction Sites – Even though the customers are usually bidding at only a penny more per bid, users will commonly charge back the transaction when they don’t win.
  • Pepper Spray – Considered a type of weapon, pepper spray vendors are considered risky.
  • Points Programs – Points programs that cost money can cause chargeback issues if points are not used.
  • Pornographic Merchants – If you’re a part of the adult entertainment industry in any way, you’re considered high risk.
  • Precious Metals – Counterfeit metals can be a problem in this industry, making it more risky to accept payments for.
  • Prepaid Calling Cards – Anything prepaid that a consumer may not use increases chargeback issues.
  • Prepaid Debit Cards – When they expire or are lost consumers want their money back.
  • Psychic Services – “Honey, did you visit a psychic? No babe, I don’t remember visiting a psychic.” I’ll just reverse that charge then.
  • Real Estate – A common target for scams and identity theft is how real estate makes this list.
  • Replica Products (Watches, Handbags, Wallets, Sunglasses, Etc…) – As the product being sold isn’t authentic to the original manufacturer, the percentage of requests for refund is much higher than a traditional merchant.
  • Rewards Programs – If rewards are not spent, the consumer wants the money back.
  • Self-Defense – Since the payment provided is for instruction and not a physical product, the self-defense industry makes this list.
  • Self-Hypnosis Services – Yet another instance where the goods being transferred are of a service and not a physical product.
  • SEO Services – With a high rate of request for refund, SEO agencies make this list.
  • Social Networking Sites – Just like a dating site, if a consumer does not get what they want from it, they always like to chargeback.
  • Software Downloads – The software industry makes their way on to this list because of the digital nature of the goods being sold.
  • Sports Forecasting – An example of paying for information and not for a product, and usually not in person where the card would be present for the transaction.
  • Startups – Every startup is considered risky, and the percentage of startups that make it is quite small compared to the number that fail.
  • Student Loans – With the cost of a college education continually on the rise, so is the percentage of loans that default and never receive payment.
  • Strip Clubs – Associated with the adult entertainment industry gains the strip club access to this list.
  • Stun Gun Sales – considered a type of weapon, which makes it a high risk merchant.
  • Supplement Sales – The request for refund in this industry is quite high due to the nature of the product.
  • Sweepstakes – “Hey, I entered a sweepstake and I didn’t win. I’d like my money back please.”
  • Talent Agencies – “I paid thousands of dollars for headshots and glamorous outfits and I haven’t gotten any paid gigs. Pay me back my money please.”
  • Telemarketing Services – Telemarketing services many times do not have the results the purchaser would like to see, so the services are charged back.
  • Telephone Order Sales – Anything ordered over the phone has a increased risk of chargeback.
  • Timeshare Companies – When timeshares aren’t used, people want their money back.
  • Travel Agencies – If trips are not taken, consumers would like their funds returned.
  • Travel Clubs – Many travel club discounts aren’t what they were promised, increasing risk for chargebacks.
  • Vacation Rental Brokers – Third party brokers on prepaid vacation can have issues when customers cancel their trips.
  • Vape Shops – The level of criminal activity and theft is higher with vape shop merchants and therefore carries a high risk label.
  • Vitamin Sales – If the vitamins don’t provide the results the merchant would like to see they chargeback the transactions.
  • Web Designer – Because this service is prone to chargebacks, it has been classified as high risk.
  • Weight Loss – Considered risky because the results aren’t really up to the company, but rather the individual has to stick to the plan to get results, often resulting in chargebacks.
  • Yahoo Stores – Since the goods sold through Yahoo can easily be returned, they are considered a risky merchant.

Turn Your Residuals into Immediate Cash Today

Selling your residuals doesn’t impact your merchants—they’ll keep processing happily. So, if you need extra funds, explore a credit card residual buyout. It’s fast, easy, and a smart move for your financial game plan.