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Merchant account abroad to charge customers?

Discussion in 'Business & Tax Advice' started by chamele0n, Jan 5, 2010.

  1. chamele0n

    chamele0n Newbie

    Nov 27, 2009
    Likes Received:
    I need to charge customers' credit cards but I have a pretty high refund rate for my products. I do not really want to get involved with 3rd party processors, GayPal or what not. They'll probably kick me off after a month. If the customer is dissatisfied I just like to refund them immediately and not mess with it and it makes for a pretty high rate of refunds.

    Do you think merchant accounts with banks will also kick me off if I have a refund rate of up to 30-50%?

    I was thinking about getting a more lenient 3rd party processor in another country. But don't people's credit cards get blocked if they use them in another country without telling their banks they are going somewhere as fraud protection? The items I sell are $50-100. Do you think a one-time transaction ABROAD (on my payment processor) on a credit card for that amount would go through or would a typical bank/credit card company block it? Would it matter what country (e.g. Canada as opposed to Eastern Europe or Asia)?
    Last edited: Jan 5, 2010
  2. c0ntenth|ef

    c0ntenth|ef Power Member

    May 20, 2009
    Likes Received:
    i was going through a similar problem because of what i was selling on my e commcerce site, if you are willing to trust the service abroad you could give it a try but better search around the web to make sure you don't get scammed or maybe you could get a high risk merchant account but they are more expensive.