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Digital Goods Payment Processor: Ultimate Guide and Knowing How they Operate?

Selling goods or services online is a very popular business model in today’s time. This does not require you to establish a big start-up capital but brings a lot of profit. One of the main reasons why every business, big or small wants to shift online is because you do not require to invest a fortune.

Additionally, selling products online does not require you to rent an office space or buy any sort of inventory. All you would need is a functional website, that can offer quality products to your customers, and has a safe and secure digital payment facility.

Now here is the glitch! Establishing a safe and fully operational digital payment processor is the main concern. Most people are comfortable with online payments today, and if your business is not ready for the same, there are chances, your business might just sink.

Here is how you can withdraw it and opt for the best digital goods payment processor for your business to flourish.

What is a digital goods payment processor?

Online shopping sites offer a wide assortment of products to their customers. Once your customer fills their shopping cart, a payment has to be made for order confirmation. Here is where your website or mobile application should have a good digital goods payment processor through which your customer can make a payment in your merchant account.

Now, to accept payments online, the following are what you need:

  • Shopping cart: A software that allows your customers to select products and store them temporarily for purchase.
  • Payment gateway: A payments blockchain software that authorizes card or debit card payments online.
  • Merchant accounts: An account where the payment money would be transferred and deposited when a customer makes payment.

For this process to take place efficiently, businesses adopt a digital goods payment processor service that works along the same lines and initiate safe payments.

How to select the best digital goods payment processor?

There are many digital goods payment processor service providers in the market that claim to offer the best. However, only some work efficiently and give great results. If you have been struggling with the same, here is a guide that will help you land on the best digital goods payment processor service.

  • Pricing: A digital goods payment processor service should be not only reliable but also budget-friendly. Many payment processor providers offer their services starting from no monthly fees to $10 starting fees rising to $199 per month and negotiable depending upon your transaction type.
    Choose a service that gives you the best service on an affordable budget. Compare the pricing and fees of the services from others, so that you can be sure of getting the best service at the lowest price. For instance:
    Pricing: starting $99/month
    Fees: 1.25% revenue + $0.10 per transaction (+gateway fees)
  • Features and additional services: Many service providers also work on the template of their clients and build a digital goods payment processor based on their client’s requirements and business needs. Additionally, you can look for a service that includes options and creates a customized package. This way, you only pay for the service that you want and not more.
  • Integrations: Most digital goods payment processors have an in-built service of maintaining books for their clients through integrations. These books keep track of payments and evaluate taxes, and more. One thing to note here is that, either they have their services or provide the same through third parties. You need to know about the various integrations, bookkeeping services, and collaborations the service provider holds, before investing in one.

What should you ask your digital goods payment processor service providers?

Before you can make a rock-solid decision of selecting a particular payment processor, enquire about their services for utmost transparency. Evaluate the following yourself before you opt for a service:

  • Does your digital goods payment processor support your payment gateway if you already have one?
  • Do you need to separately pay for a gateway, or is it already integrated?
  • Does your payment processor require you to use your shopping cart?
  • Does your payment processor integrate with accounting software?

Go ahead only if you have answers to the same and invest for profitable returns!

Frequently Asked Questions For Digital Goods Payment Gateway

Is It Easy To Get Digital Goods Payment Gateway?

It is easy to apply and get approval for a payment gateway for digital goods. But in some cases, it becomes difficult to get approval or even face several denies like in the case of a high risk ecommerce business. If your business comes under a risky business category, then you might need a reliable payment processor who can provide you digital goods payment gateway because most of the general banks might not provide your approval for that. At Quadrapay, you can fill the single application form by which you can get better processing solutions like a credit card, Echeck/ACH, e-wallets and bitcoins as well.

Is It Expensive To Get A Payment Gateway For Online Business?

For an online payment processing solution, a business merchant needs to pay some processing charges for transactions. This might look like an expense, but in the actual scenario, it is like an investment you do on your business to get maximum profits. With the help of online payment gateway, your customers can seamlessly pay for the purchased digital goods and services. This makes a fully automated business solution, as well.

Will There Any Assistance To Integrate Digital Goods Payment Gateway?

We also understand that there are a lot of business owners that are new to digital payment processing and might not much familiar with the technical terms. That is why provide 24*7 technical assistance support which will provide you proper guidance for integration of payment gateway with your eCommerce website. In technical terms, you will be provided with an API which will be integrated with your business website.

Can I Accept Multiple Currencies With Payment Gateway?

Yes!, We at Quadrapay have a wide range of payment processing solution for every business needs. If a business has excellent exposure to services at global parameters, we offer multi currency payment processing solutions. This helps an offshore business to seamlessly accept digital payments from the customers at any place of the globe.

Overview Merchant Account Fоr Dіgіtаl Goods

‘Digital Goods’ is turning into a very popular term these days, especially in e-commerce field. It refers to any goods that are generally in form of software and can be downloaded from internet or transferred via emails. They range from digital media, e-books, online subscriptions, newsletters, e-coupons, webinars, videos and applications to different kinds of software. With the expansion of internet and extensive utilization of the online market, the production and delivery of digital goods have also increased a lot. Companies that deal in digital goods need the online business platform the most to sell their products. Thus, the requirement of an online merchant account is crucial for them. Here, twist in the tale is categorization of digital goods industry as a high risk industry, which makes it really difficult for merchants to get a high risk merchant account for digital goods company.

Why Is Digital Goods Sales Considered High Risk Industry?

The higher rate of chargeback in digital goods industry makes it difficult for acquiring banks to issue a high risk merchant account. Apart from this, the malign and fraud practices done by companies in this field have deteriorated the image of complete industry and as a result most of the processors refrain from providing high risk merchant account to digital goods industry. As the market has expanded, many small merchants and startup companies have also entered the domain. Because of the market competitiveness and to earn extra profit in short time, some of these merchants compromise with the quality of the digital goods delivered and that in turn increases the number of unsatisfied customers. The final outcome is high numbers of chargeback.

How To Get A High Risk Merchant Account For Digital Goods Company?

Whether it is a domestic bank or an offshore account provider, a merchant must apply with all genuine documentation, a decent credit history, stable financial stronghold, a well-planned business model, estimated turnovers and specifications of goods and services they will provide to the clients. Once all these formalities are completed, it is the duty of an underwriter to closely investigate the risk factors and profit speculations of your project or company, and on basis of that you can avail a merchant account. Mostly the underwriting guidelines of domestic acquirers are very strict for high risk industries. In such a case, a merchant can search for the best offshore merchant account provider. The merchant should check and negotiate well before getting the online merchant account and additional services.

How To Maintain The High Risk Merchant Account For Longer Time?

The answer to this question is simple but practicing the same is a real challenge. One must avoid chargebacks to keep the merchant account for longer time. The prescribed limit for chargeback ratio is less than 2%. Thus, a merchant should maintain healthy relationship with their customers and provide best quality products and services to ensure that the chargeback are minimum. Again, this should also be kept in mind that the average ticket and declared volume of monthly transactions should never cross the maximum limit, because in such cases the accounts are ceased or terminated.

If you are facing trouble in getting a high risk merchant account for your digital goods business and a payment gateway for online payments, can help you with its strong connections with best-in-class service providers worldwide. You can reach us anytime for the support.


Online business gives scope to a lot of possibilities. You can make good earnings online and build a loyal and strong customer base. A successful online business not only needs a website but a reliable payment portal through which the customers can make payments. This guide speaks about the various parameters based on which you can judge a digital goods payment processor to land on the best.

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