A Guide to Online Pharmacy Merchant Services

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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.

Online Pharmacy Merchant Services in the UK: A Comprehensive Guide for High-Risk Merchants

Welcome to Merchant Advice Service, your trusted source for valuable information on online pharmacy merchant services in the UK. If you’re a high-risk merchant operating in the pharmaceutical industry, this guide is designed to provide you with the knowledge and insights you need to navigate the complexities of securing reliable payment processing solutions. We understand the unique challenges faced by online pharmacies, and our user-focused approach aims to empower you with the necessary information to make informed decisions.

Understanding Online Pharmacy Merchant Services

Online pharmacy merchant services are specialised payment processing solutions tailored to the needs of pharmaceutical businesses operating in the digital space. These services enable online pharmacies to accept credit card payments securely, efficiently, and in compliance with relevant regulations via the most suitable payment gateway and merchant account.


The Importance of High-Risk Merchant Accounts for Online Pharmacies

Online pharmacies are often categorised as high-risk businesses due to various factors, such as the nature of their products, regulatory requirements, and increased chargeback risks. High-risk merchant accounts are specifically designed to cater to the unique needs and challenges faced by online pharmacies, providing them with the necessary tools to process payments effectively while mitigating risks.


Since January 2017 it has been a Visa requirement for card-not-present pharmacies to be certified and monitored by an impartial third party. Here at Merchant Advice Services we can help you obtain this certification which will enable you to be accepted for a merchant account. The certification is also recognized by major search engine advertising programs, including Google and Bing.


Key Benefits of Online Pharmacy Merchant Services

Secure Payment Processing: Online pharmacy merchant services employ robust security measures to protect sensitive customer data, ensuring secure transactions and safeguarding against fraudulent activities. 


Expanded Payment Options: By partnering with a reputable online pharmacy merchant service provider, you can offer a wide range of payment options to your customers, including major credit cards, debit cards, and even alternative payment methods. 


Enhanced Customer Experience: Seamless payment processing improves customer satisfaction, resulting in increased trust, repeat business, and positive reviews for your online pharmacy. 


Efficient Chargeback Management: Online pharmacy merchant services offer tools and resources to help you effectively manage and mitigate chargeback risks, ensuring smoother operations and reduced financial losses. 


Commonly Asked Questions
Can online pharmacy merchant services help me comply with regulatory requirements?
Absolutely! Reputable online pharmacy merchant service providers have in-depth knowledge of industry regulations and can assist you in ensuring compliance.
How can online pharmacy merchant services protect my customers’ data?
Online pharmacy merchant services implement advanced security measures such as encryption and tokenisation to safeguard customer data and prevent unauthorised access.
Are high-risk merchant accounts more expensive than regular merchant accounts?
High-risk merchant accounts may have slightly higher fees due to the increased risks involved. However, partnering with a knowledgeable service provider can help you find cost-effective solutions.
Can I accept international payments with online pharmacy merchant services?
Yes, many online pharmacy merchant service providers offer international payment processing, allowing you to cater to a global customer base.
What happens if my online pharmacy experiences chargebacks?
Online pharmacy merchant services provide tools and support to help you manage chargebacks effectively, including dispute resolution and fraud prevention measures.
How long does it take to set up an online pharmacy merchant account?
The timeframe for setting up an online pharmacy merchant account can vary depending on several factors. It’s best to consult with the service provider for an accurate estimate.
Can online pharmacy merchant services integrate with my existing e-commerce platform?
Yes, most reputable online pharmacy merchant service providers offer seamless integration with popular e-commerce platforms, making it easier for you to manage your online business.
How can I find the right online pharmacy merchant service provider for my business?
Research and compare different providers based on their experience, reputation, customer reviews, and the specific features and support they offer for online pharmacies.


Navigating the high-risk industry of online pharmacy can be daunting, especially when it comes to secure credit card processing and managing high chargebacks. Business owners in the pharmacy business must be well-informed about the importance of choosing the right payment processor tailored for their type of business. 


With the potential for high volume transactions and the need to maintain a favourable chargeback ratio, it’s crucial to apply for a merchant account that understands these challenges. Despite issues like bad credit, having a service that accepts payments securely, offers excellent customer service, and provides clear bank statements can make all the difference. 


Remember, in a higher risk sector like this, it’s not just about processing payments; it’s about building trust. Choose wisely and ensure your business thrives in this competitive domain.

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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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