Merchant accounts for furniture shops

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Libby James
Merchant Services Expert

Libby James is co-founder, director and an expert in all things merchant services. Libby is the go-to specialist for business with more complex requirements or businesses that are struggling to find a provider that will accept them. Libby is regularly cited in trade, national and international media.

High-Risk Merchant Accounts for Furniture Shops

Are you a furniture shop owner looking for a high-risk merchant account? At Merchant Advice Service, we understand that businesses in the furniture industry face unique challenges when it comes to payment processing. Our user-focused guide will walk you through the essentials of high-risk merchant accounts for furniture shops.


Understanding High-Risk Merchant Accounts

High-risk merchant accounts are tailored to businesses that face a higher level of risk due to various factors. In the furniture industry, this risk may be associated with chargebacks, the nature of the product, or even the potential for fraudulent transactions. Let’s delve into the key aspects of high-risk merchant accounts.

Why Furniture Shops Are Considered High-Risk

Chargebacks and Returns: Furniture purchases often involve sizeable investments. Customers may be more inclined to dispute charges, leading to higher chargeback rates for furniture shops.


Product Nature: The high-value and bulky nature of furniture items can be a red flag for traditional payment processors. This can increase the risk associated with processing payments.


Online Transactions: E-commerce has become a vital part of the furniture industry, and online transactions often carry more risk due to potential fraud.


Credit Card Processing Challenges: Accepting credit card payments can be more complex for high-risk businesses, making it crucial to have a suitable merchant account in place.


Declined Merchant Accounts for Furniture Businesses

Furniture businesses may encounter the disappointment of having their merchant account applications declined. When this occurs, it’s crucial to understand why. Common reasons include incomplete documentation, insufficient credit history, or an unfavourable credit score. In such cases, Merchant Advice Service is here to assist. We can help you identify the specific issues and provide guidance on how to improve your application, increasing your chances of approval.

Terminated Furniture Merchant Accounts


For furniture shops, having a merchant account terminated can be a substantial setback. Termination can result from consistent high chargebacks, policy violations, or involvement in fraudulent activities. To prevent account termination, it’s vital to maintain transparency and compliance with your merchant account provider’s policies. At Merchant Advice Service, we can advise you on best practices to ensure a healthy, long-term relationship with your high-risk merchant account provider.


Saving Money on Furniture Card Processing

While high-risk merchant accounts often come with higher fees, there are strategies to save money on furniture card processing. One effective approach is to actively manage your chargebacks and refunds. Implementing strong customer service practices, offering clear return policies, and maintaining quality control can reduce chargebacks and save on associated fees.


Another cost-saving tip is to regularly review your merchant account provider’s pricing structure. They may offer different pricing plans or lower fees based on your business’s performance. Don’t hesitate to negotiate for better terms, which can contribute to significant cost savings over time. When you partner with Merchant Advice Service, we can offer expert guidance on optimising your payment processing costs and improving your bottom line.

How High-Risk Merchant Accounts Can Help

Having a high-risk merchant account can be a game-changer for furniture shops. These accounts offer several benefits, including:


Reduced Chargeback Impact: High-risk merchant accounts come with chargeback management tools to help you handle disputes effectively.


Expanded Payment Options: You can offer a wider range of payment methods, making it more convenient for your customers.


Fraud Prevention: Enhanced security measures are often included in high-risk accounts to protect your business and customers from fraudulent activities.


Risk Mitigation: With a tailored merchant account, you can mitigate the risks associated with your industry, ensuring smoother payment processing.

How to Obtain a High-Risk Merchant Account

Obtaining a high-risk merchant account for your furniture shop involves a few essential steps:


Research and Compare: Research different high-risk merchant account providers and compare their offerings to find the one that suits your business needs.


Application Process: Complete the application process, providing all necessary documentation and information about your business.


Approval and Setup: Once approved, the provider will set up your high-risk merchant account and integrate it with your payment processing system.


Compliance: Ensure that your business remains compliant with the terms and conditions of your merchant account to maintain a healthy payment processing relationship.



How Merchant Advice Service Can Help

At Merchant Advice Service, we understand the intricacies of high-risk merchant accounts for furniture shops. Our team of experts can guide you through the process, helping you find the right solution for your business. We specialise in tailoring payment processing options to meet your unique needs, ensuring that your furniture shop can thrive in the high-risk landscape.


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Furniture retailers seeking to navigate the high-risk sector of payment processing can benefit significantly from specialised merchant account services. Such accounts are essential due to challenges like chargebacks, the bulky nature of the items, and the complexities of online transactions. By utilising tools for chargeback management, offering multiple payment options including debit cards, and implementing robust customer support, businesses can effectively manage rolling reserves and maintain good standing with the acquiring bank. 


Attention to processing fees, transaction fees, and the option to negotiate better terms can lead to cost savings, contributing to the overall financial health of the business. As companies increasingly buy furniture online, embracing high-quality merchant services tailored to high-risk businesses is crucial for success on the high street and beyond. Merchant Advice Service stands ready to assist furniture shops in establishing and maintaining these vital accounts.

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Libby James

Libby James Co-founded Merchant Advice Service alongside David Bird in 2016. Her finance background, coupled with retail and customer service experience, gave Libby the drive to bring transparency and non-biased advice to the world of merchant services. Having come from the heavily regulated mortgage and insurance industry, Libby found it puzzling that other financial sectors lacked regulation and transparency leaving customers confused and unable to make informed decisions when it came to accepting card payments. This was soon to become Libby’s obsession!

With the help of some of the industry’s best, Libby began to research acquiring banks, complex terminology/regulation, and the problems customers experience within merchant services and payment gateway markets. She spent years on sourcing solutions for complex clients, which previously others were unable to assist with. Libby established relationships with brokers and banks which would soon form the cornerstone of Merchant Advice Service. As a result Libby has been featured in high-profile publications across the web.

Libby is proud to be the entrepreneur’s champion, supporting start-up businesses regularly. Her industry insights can often be found on LinkedIn where she provides free of charge advice and money saving pointers. It’s safe to say she has her finger on the pulse of everything card payments related.

Libby speaks of her experience in founding and running Merchant Advice Service…

‘Merchant Advice Service is one of my greatest achievements to date. We help business owners to overcome card processing issues which can become detrimental to their business. We assist SME’s in finding suitable card payments solutions, helping them create their vision. Each and every day is different, exciting and fore filling. As technology advances I can’t wait to see the way in which the merchant services market advances, and I’m pleased that our business will play a part in educating company owners along the way.’

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