GENERAL FAQS

HOW CAN I SIGN UP WITH HRG TO GET THE PAYMENT GATEWAYS ?

It is very simple to sign up with HRG. To sign up with the High-risk gateway Please fill the online merchant Application on our website by clicking on apply now button or https://www.highriskgateways.in/apply-now/ then one our representative will contact you shortly. Alternatively, you can submit all your Business documents on Support@Highriskgateways.in to process faster and for any queries call us on 011-39595940.

WHAT TYPE SOLUTIONS I CAN GET FROM HRG ?

We offer Echeck, ACH, Credit card and Debit card solution to all business category.

HOW CAN I INTEGRATE THE GATEWAY IN MY WEBSITE ?

We have the technical support team who can help you to integrate with our payment system. You will have access to the portal for API documentation once your account has been approved for processing from our Banking partner.

CAN I BE LOCATED ANYWHERE IN THE WORLD ?

Yes. High-risk Gateways offers solution for low and high-risk merchants from anywhere in the world, offering onshore, offshore and International merchant accounts.

WHAT RATE HRG OFFER TO THEIR MERCHANT ?

 Rates are totally depend on the approval of file with respect to business category and processing volume. HRG team try to offer the best solution for their Merchants

WHAT INDUSTRIES DOES HRG PROCESS FOR ?

HRG processes for high and low risk merchants from almost every industry and location worldwide

DOSE THE HRG ACCEPT HIGH-RISK MERCHANT ?

Yes. HRG is specialized in providing services to high-risk merchants worldwide. We generally offer solution to TECH SUPPORT, PHARMACY, NUTRACEUTICAL, CASINO, GAMING, ADULT, ONLINE DATING, HERBAL, ONLINE TRADING, ECOMMERCE & MANY MORE.

HOW DO I TRACK MY ONLINE PAYMENT ?

Every Merchant will have their own logins to the portal so he/She can track all the payment in their portal.

HOW OFTEN WILL HRG PAY ME ?

HRG will not pay you, you will be get paid directly from your processor in your business account on Weekly basis.

WHAT ARE THE HOURS OF OPERATIONS FOR PROCESSING ORDERS ?

You can process orders anytime 24*7.

ECHECK PROCESSING FAQS

WHAT IS ECHECK PROCESSING?

An eCheck allows customers to pay by check and input the routing number and account number, typically contained on a paper check. The payment is processed electronically using the ACH network.

HOW DOES ECHECK PROCESSING WORK?

ECheck processing is a flexible alternative to accepting check payments. The electronic check drafting method gives you the flexibility to accept payments securely from Us Customers.

WHO CAN PAY ON MY SITE VIA ECHECK?

Only customers residing within the United States, and using a United States bank account are able to lodge eCheck transactions.

CAN A CUSTOMER DISPUTE ON ECHECK PAYMENT?

By using the check clearing infrastructure merchants are limited to a maximum 60-day dispute window for payments.

HOW DO I SUBMIT THE ECHECK TRANSACTION TO THE ECHECK PROCESSING?

Processor will offers two simple ways to post eCheck transactions:

Virtual Terminal: Merchant has a payment page via Processor backend, where they submit a transaction manually by entering the customer’s payment information.

Application Programming Interface (API): The API is designed for ecommerce businesses. So you can integrate your existing payment system directly with our gateway allowing your customer to submit transactions electronically

WHAT ARE THE HOURS OF OPERATON FOR PROCESSING ORDERS?

You can process your orders any time 24*7.

WHAT DOES YOUR PROCESSOR DO TO VERIFY THE TRANSACTION?

When a transaction/order is submitted to be processed, within seconds it is scrubbed by the internal nationwide scrubbing data system that checks for negative bank account data. If the system does not detect any negative data on the bank account, it is passed into the “pending” status. From there, the Verifications Department calls the customer to confirm the validity of the order. Once all is verified, the customer bank is called to verify the name on the account matches, the account is open and valid, and the funds are currently available for the eCheck to successfully debit the customer’s account.

This verification process takes place in real time, approximately 1-2 minutes to complete, in the order the transaction was received. In some cases, a DocuSign is sent for the customer to complete. Once the DocuSign is returned to us completed by the customer;  then they can make a final call to confirm that the customer was the signer of the completed document. If your company is required to include this DocuSign step for Verification calls, the Merchant will be notified of this step upon the boarding of your processing account. You might wonder, why such a thorough process? These steps are taken to prevent the risk of a “Returned Check.”

Instead of pushing the transactions automatically through to the customer’s bank, our Verification process reduces the chance of a NSF, Stop Payment, Not Authorized payment, etc. It also minimizes the chance of fraudulent activity on a customer’s checking account. This process not only will benefit your business by reducing the chance of a “Returned Check”, but it will also give reassurance to your customers, that they are safe and secure when making payments via eCheck.

HOW DO I KNOW THAT MY COUSTOMER HAS PAID OR THE TRANSACTION IS APPROVED?

Our banking partner will notify you for every transaction status change via email. Accounting Department also provides you with an easy to read summary of all transactions processed and their respective status. Additionally, you can view a payment history for each of your customers within your report generated on the portal on Weekly Basis.

HOW LONG IT WILL TAKE FOR AN ECHECK TO POST INTO CUSTOMER BANK ACCOUNT

Once the eCheck transaction has been approved, it takes approximately 2-3 days for the check to clear.

CREDIT CARD FAQS

WHAT IS ONLINE CREDIT CARD PROCESSING

A form of payment in which the customer can make the payment through his debit or credit card by entering its card details. The customer will provide their credit/debit card details via the merchant’s payment page for processing. The merchant will also have access to a Virtual Terminal to submit credit card transactions for real time processing.

WHAT IS THE DIFFERENCE BETWEEN DEBIT CARD AND CREDIT CARD?

A credit card is a card that allows you to borrow money in small amounts at local merchants. You use the card to make your basic transactions. The credit card company then charges you interest on your purchases, though there is generally a grace period of approximately thirty days before interest is charged if you do not carry your balance over from month to month. Debit cards are used to make purchases at retail locations in the same way credit cards are used, however the money comes directly from your checking or savings account.

CAN I ACCEPT DEBIT CARD WITH MY CARD SOLUTION?

Yes you can. Our banking partner processes debit card transactions through the same system as credit cards, ensuring full acceptance and payment approval in a real-time environment.

WHAT TYPE OF CARDS AM I ABLE TO ACCEPT ON MY CREDIT ACCOUNT?

Our solutions allow you to accept MasterCard, Visa, American Express, Discover, Diners Club, JCB, Euro card, and many other as well.

WHO CAN PAY ON MY SITE VIA CREDIT CARD?

Credit/Debit card processing has no restrictions with the location of customers. Merchants can accept payments from customers all around the world.

WHAT ARE THE HOURS OF OPERATION FOR PROCESSING ORDERS?

 You can process your Orders anytime 24*7

HOW DO I KNOW WHEN CUSTOMER HAS PAID ON MY SITE OR THE TRANSACTION IS APPROVED?

Accounting Department provides you with an easy to read summary of all transactions processed and their respective status. Additionally, you can view a payment history for each of your customers within your portal in the gateway.