Merchant Processing For Clothing & Apparel

Credit Card Processing For Your Online or Retail Clothing & Apparel store

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clothing & apparel

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Many Merchant Services Companies are Hesitant to Work with Apparel Industry Businesses for Three Main Reasons:

  1. High-risk perception: Online sales, prevalent in the clothing and apparel industry, are often considered high-risk as the card and cardholder are not physically present during transactions.
  2. Moderate chargeback rates: The clothing and apparel sector experiences a relatively high chargeback rate due to frequent returns, exchanges, and sizing-related issues.
  3. Negative reputation: A few unscrupulous e-retailers have tarnished the industry’s reputation in the context of merchant services.

As a result, many merchant service providers avoid working with clothing and apparel businesses, including online stores, physical retailers, manufacturers, wholesalers, and distributors.

Moneybox, on the other hand, has consistently provided solutions for the clothing and apparel industry. We have strong relationships with credit card processors and sponsor banks that can underwrite regulated industries, and we integrate chargeback and fraud prevention software. These factors enable us to offer stable, effective, long-term credit card processing solutions to retail, e-tail, and wholesale clothing businesses.

However, banks often prioritize brick-and-mortar businesses over online retailers. The higher risk of fraud and chargebacks associated with online transactions can make obtaining a clothing store merchant account challenging in some cases.

Accept Online Payments

If you run an online clothing store, you need an online merchant account to accept credit card transactions. This is because credit card transactions are the most common way customers pay for purchases. With an online merchant account, you can accept credit card payments through a secure, integrated apparel payment gateway.

Moneybox’s services allow you to accept online payments and help you sell your clothing online. We provide a variety of tools that make running your apparel store more accessible than ever before:

  • Accept credit cards and eChecks for all of your transactions.
  • Access and manage all payments through our virtual terminal.
  • Seamlessly integrate our apparel payment gateway with your current eCommerce website.
  • Experience secure data encryption, PCI-compliant processing, and high-end fraud prevention.
  • Scale account services to match your steadily increasing transaction volume.
  • Communicate with your assigned representative whenever you have questions.

At Moneybox, we recognize the importance and advantages of online retail in today’s business landscape. As a trusted apparel merchant account provider, we support various online businesses.

As a nationally accredited online credit card processor, we have extensive experience with various online retailers. Our commitment to providing affordable services and a dedicated, live support team ensures your business receives the attention it deserves. With our meticulous approach and numerous integration options, your online clothing store will thrive in the competitive e-commerce environment.

Banks tend to decline online merchant accounts due to a high risk of fraud. We understand that fraud is just as detrimental to you as it is to us; that’s why we offer our clients secure payment processing, data encryption, and fraud prevention services. There is no need to wait for your online clothing store to begin credit card processing. We’ll work to ensure that starting a clothing business online is smooth.

Accept Payments In Store

You can effortlessly accept credit and debit card transactions or contactless payments, eliminating any uncertainty during in-store customer payments. To set up in-store payments, consider installing point-of-sale (POS) systems, EMV terminals, or wireless and mobile payment options for your customers’ convenience.

EMV

Embracing EMV chip card acceptance is now the standard for in-person transactions. It offers enhanced security compared to traditional magstripe readers, significantly reducing fraud risks and ensuring compliance with all major card brands’ PCI standards. Providing EMV functionality is essential for in-store payments, as it safeguards you and your customers.

Wireless

Wireless terminals and plug-in card readers allow you to go directly to your customers, eliminating the need for them to approach you. These portable devices possess all the features of an in-store POS system, making them the ideal choice for businesses prioritizing mobility and convenience.

Near Field Communication

The latest trend in in-person payments involves a short-range wireless connection that enables customers to complete transactions without physically touching the terminal. To take advantage of this technology, your credit cards and smartphones must be equipped with this capability, as must your payment terminal. Elevate your in-store payment experience by incorporating Near Field Communication (NFC) technology.

Point of Sale

Comprehensive point-of-sale (POS) systems are indispensable for retail businesses. They facilitate seamless workflow and inventory management while accepting various in-person transactions. Our cutting-edge POS software ensures rapid processing and heightened security for a superior customer experience.

Trust Moneybox to Be Your Clothing & Apparel Payment Processor

We’ll follow you through every stage of your business’s growth and success. Begin by filling out our simple online application. After applying with us, one of our senior account representatives will contact you directly to discuss your business details. Trust us to find a clothing store merchant account solution that meets your company’s needs perfectly.

Frequently Asked Questions

Moneybox provides merchant processing solutions for a diverse array of retail, eCommerce, and mobile-based businesses within the clothing and apparel sector. This encompasses traditional brick-and-mortar apparel retailers, including specialty boutiques, consignment shops, and second-hand stores, as well as online clothing and accessory retailers. Additionally, we support B2B apparel businesses, such as artisans, clothing manufacturers, wholesalers, and distributors.

Moneybox collaborates with most major payment gateways, such as Authorize.net, USAePay, and NMI, ensuring that our apparel merchant accounts can integrate with popular software suites commonly used by clothing and apparel businesses, including Shopify, WooCommerce, BigCommerce, Magento, and WordPress.

What industries does Moneybox Merchant Services accept as clients? Moneybox specializes in mid-risk as well as specific high-risk industries (the terms “mid-risk” and “high risk” are used here from the perspective of the merchant services industry). We are proud to serve the following industries:

  • Accounting & Tax Prep
  • Adult
  • Airlines
  • Alcohol
  • Antiques & Collectibles
  • Apparel & Clothing
  • Automotive
  • B2B
  • Bad Credit
  • Bail Bonds
  • Bar & Restaurant
  • Cigars & Tobacco
  • Cleaning Service
  • Clothing & Apparel
  • Collectibles
  • Continuity / Subscription Products
  • Continuity-Subscription
  • Credit Monitoring
  • Debt Consolidation
  • Dental
  • Digital Downloads
  • Digital Streaming
  • Document Preparation
  • Drop Shipping
  • Ecommerce
  • Educational Seminars
  • Electronics
  • Events
  • Furniture & Home Furnishings
  • Guns & Firearms
  • Gyms, Fitness & Yoga
  • Hair & Beauty Salon
  • Health & Fitness
  • Healthcare
  • High Volume
  • Hotel & Hospitality
  • Hunting & Outdoor Equipment
  • Insurance
  • Insurance / Warranty
  • Jet Charter
  • Law Firms
  • Legal Services
  • Magazine Subscriptions
  • Medical Billing & Coding
  • Medical Supplies
  • Membership & Recurring Billing
  • MLM Companies
  • Moving Companies
  • Nonprofit
  • Nutraceuticals & Supplements
  • Online Dating
  • Pawnbrokers & Pawn Shops
  • Pet Products
  • Precious Metals
  • Property Management
  • Real Estate
  • SaaS Companies
  • Self Defense, Tasers & Stun Guns
  • Seminars & Coaching
  • SEO & SEM Services
  • Smoking Accessories
  • Survivalist & Tactical Gear
  • Taxes and Accounting
  • Tech Support
  • Telemedicine
  • Ticket Agencies
  • Tobacco & Cigar
  • Transportation & Moving
  • Travel & Timeshare
  • Travel Agency*
  • Utility
  • Vape / e-Cig / eJuice*
  • Veterinarians
  • Web Design Services

Please note, this is NOT a complete list; Moneybox Merchant Services Inc. serves hundreds of additional mid and low risk industries, too. We do not have a full list of industries we can work with, instead we keep a list of business that we currently can not support. See our FAQ page for more info. If the opportunity is right we will of course try to be considerate.

Sorry, we are unable to provide merchant services for foreign or offshore businesses, or any company that is headquartered, or operates, outside of the USA. We are also unable to provide merchant services for any business whose owner does not have a valid SSN and US issued identification (driver’s license, US passport, etc). That said we are working to fix this issue and should have a solution early 2025.

Yes, your startup or new business can be approved by Moneybox Merchant Services for a merchant account. We love startups! While newer businesses without processing history sometimes encounter hurdles when it comes to approval, Moneybox has helped many brand new businesses get their start in payment processing.

A high-risk merchant account is designed for businesses deemed as “high-risk.” These types of businesses have a greater likelihood of chargebacks, fraud, or other financial risk factors. High-risk businesses require such accounts to be able to accept credit and debit card payments.

Various industries are considered high-risk because of their inherent attributes. Some examples include CBD (Cannabidiol) products, e-cigarettes, vape products, stun guns, credit repair services, multi-level marketing, adult products/services, pawnshops, dietary supplements, SEO services, and tech support.

No central authority determines a business’s high-risk categorization. Every payment processor or bank sets its own standards, often based on internal risk management criteria. Providers assess businesses based on several detailed information bits to ascertain risk levels.

Factors contributing to a high-risk business include being a new business, having poor credit records or low credit scores, operating in controversial or highly regulated industries, relying heavily on international sales, and previous placements on the MATCH list by payment processors.

High-risk merchant accounts differ from regular accounts in several ways such as having a longer application process, higher payment processing fees, cash reserve requirements, volume caps in credit card processing, higher chargeback fees, and additional requirements based on the business type.

A high-risk business should ensure it maintains healthy cash levels, tries to reduce chargebacks, discloses all relevant information during the application process, keeps its financial documents ready, and adheres to the guidelines set by its payment processor.

Moneybox Merchant Services Inc. may not cater to all high-risk businesses (e.g. CBD merchants). It offers an upfront underwriting process that identifies risk factors early, saving the merchant time and potential costs. However, if Moneybox cannot service a particular business, they may recommend a processor better suited to your needs.

Best Processing & Support

“We conducted thorough research and compared different pricing options before settling on a new provider. After careful consideration, we chose Moneybox. We have been happy with the results for years since using their services. We interact with the product daily through their website, and most of the payments are automatically processed using Authorize.Net. We find Moneybox to be a reliable and efficient company.”
– Tom
Tom Bostic
Happy Customer

Fast Service, Unmatched Customer Service

“We changed our website and needed to get a new processor fast. Their prompt service and secure system are unmatched. We have been using their services for a while now and have never had any issues. In fact, they even require us to call them once a year to ensure our system is up to date. As our business continues to grow, we are excited to explore the many options that Moneybox has to offer, including a point-of-sale. They have been our go-to solution for everything, from terminal issues to website processing security. We couldn’t be happier with their exceptional service.”
Valmore Forgett
Happy Customer

Simply Amazing Technical Support

We were starting a new business and needed a reliable company to process our credit card payments. After some research, we found Host Merchant Services and began working with them in January 2021. The staff has been very helpful, and we’ve had positive experiences with both the Compliance team and technicians. We process payments in person using a terminal, and the service and machine have been excellent with no issues.
Tony and Sherry
Happy Customers

Consistent Communication

I had a wonderful experience with this company regarding high risk merchant services. Their consistent communication and daily updates regarding my application status during the approval process were greatly appreciated.
Christian
Happy Customer

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