Your payment stack, set up and orchestrated for you
A merchant account is only one piece. We set up and connect every layer, from the right MCC and gateway to 3DS, fraud scrub rules and dispute alerts, so good payments go through, fraud stays out, and you see it all in one place.
Who this is for
- Businesses setting up payments for a new website or brand
- Stores hit by fraud or a BIN attack
- Merchants whose tools don’t talk to each other
- Programs that need an issuing BIN
Merchant account and MCC
We set up your account under the right MCC (merchant category code). The wrong MCC can raise your costs, trigger declines or put the account at risk later.
Gateway setup
We set up your gateway and connect it to your website, shopping cart or CRM, with the settings your processor expects, and test it before you go live.
3DS
Customers confirm online purchases with their bank. It cuts fraud and can shift liability for fraud chargebacks to the card issuer.
Fraud scrub
Rules that screen each transaction before it’s authorized, tuned so good customers still get through.
- Velocity limits per card, email and IP
- AVS and CVV checks
- Device, IP and country signals
- Review queues for risky orders
Stopping BIN attacks
Bots testing stolen card numbers can run thousands of small charges in minutes, bringing declines, fees and processor scrutiny. We set velocity limits, CAPTCHA and gateway rules that stop them early.
Dispute alerts: RDR, Ethoca and VDO
Alerts that resolve disputes before they become chargebacks and before they count against your ratios. We set the rules with you and track what each one stops.
Compelling evidence
For disputes that still come through, we help you build responses with compelling evidence, so you win more of the ones worth fighting.
Issuing BIN setup
If you want to issue your own cards, such as prepaid, gift or virtual cards, we help you set up an issuing BIN through a sponsor bank and processor.
Payment stack setup: common questions
What is a payment stack?
Everything that sits between your customer’s card and your bank account: the merchant account, the gateway, fraud screening, 3DS, dispute alerts and reporting. We set it up as one system instead of separate tools.
What is a BIN attack?
Bots run stolen or generated card numbers through your checkout to find ones that work. Even declined attempts cost you fees and draw processor attention. Velocity limits, CAPTCHA and gateway rules stop most of them.
Why does my MCC matter?
The merchant category code tells the card brands what you sell. It affects interchange costs, approval rates and how your account is monitored, so it needs to be accurate from day one.
Also from PaymentHelp
Talk to a payments consultant
Tell us about your business. We’ll tell you which processor fits, what it should cost, and how we’ll keep it optimized after you’re approved.