Card-not-present merchant accounts
Processor placement based on what you sell, monthly volume, processing history, fulfillment, and chargeback exposure.
Merchant accounts for card-not-present businesses
Merchant accounts for established card-not-present businesses that want direct personal support.
Top Rank Commerce places the account, connects the gateway, and stays involved when fraud, chargebacks, funding, or processor issues come up.
Every account begins with a conversation about the business, processing history, and monthly volume.
$300M+Annual portfolio volume
19+Years in payments
All levelsLow, medium, and high risk
1Dedicated point of contact
Why Top Rank Commerce
The advertised rate is only one part of the account.
Approvals, funding, fraud, and support depend on the processor, gateway, risk settings, and service model. Top Rank Commerce reviews them together and stays available when declines, funding delays, fraud, or chargebacks need attention.
01Processor and account placementPlacement based on what you sell, your history, and your risk profile.
02Gateway and checkout setupHelp connecting the checkout, gateway, settlement schedule, and reporting.
03Fraud and chargeback controlsOrder screening and dispute signals checked before losses pile up.
04One person who knows the accountCall someone who already knows the business and its processing history.
Before you apply
How we place an account
We gather enough detail to recommend a processor and gateway without sending you through a blind application.
1
Understand the business
Website, products, monthly volume, processing history, and known risk.
2
Choose the account path
Processor placement, gateway change, pricing analysis, or retail setup.
3
Set up the details
Checkout, funding, fraud controls, and chargeback handling.
4
Stay involved
Direct help after launch from someone who knows the account.
What we handle
Merchant account work for established online businesses
Pricing, risk, and gateway analysis
We compare current costs, reserves, funding terms, gateway requirements, and risk controls before recommending a change.
Retail processing and surcharging
For qualified card-present merchants, we can also evaluate terminals and compliant surcharge programs. Retail is a secondary service.
Who we work with
We work selectively
We accept merchants when processor placement, gateway configuration, or ongoing account support calls for direct involvement. We will say when a standard self-service account is a better fit.
A good fit
- Established online stores, B2B merchants, service businesses, and subscription sellers with consistent monthly card volume.
- Merchants needing gateway, checkout, fraud, chargeback, or account-placement guidance.
- Owners who want ongoing access to someone who knows the account.
When a standard service fits better
- Very new or low-volume businesses that do not yet need custom placement.
- Businesses seeking only a generic instant signup.
- Merchants unwilling to provide enough information for proper placement.
Retail is secondary
Surcharging is available for qualified card-present merchants
We check card type, terminal behavior, state and card-brand rules, customer notices, and actual processing costs before recommending it.
See retail surcharging details
Debit card
No surcharge
Debit and prepaid cards remain outside the surcharge program.
Eligible credit card
Up to 3.00%
Disclosed surcharge, subject to applicable rules and actual processing costs.
Experience
Working with online businesses since the mid-1990s and in payments since 2005
Top Rank Commerce has worked with online businesses since the mid-1990s and in payment processing since 2005. The current portfolio includes low-, medium-, and high-risk accounts representing more than $300 million in annual volume.
Risk and chargeback management training informs processor placement, fraud controls, dispute response, and account reviews.
"Our Merchants Sell MORE!"
Learn about Top Rank CommerceMid-1990sWorking with online businesses
Since 2005Payment-processing work
$300M+Annual portfolio volume
All levelsLow, medium, and high risk
Merchant resources
Chargeback and fraud resources
Use these guides to catch risky orders earlier and keep disputes from threatening the merchant account.
Chargeback protection
Trace dispute patterns, tighten weak controls, and protect the account before the ratio climbs.
Explore chargeback protectionFraud Spotter Guide
Learn the warning signs behind suspicious orders and which transaction details to check before fulfillment.
Get the fraud guideStart here
Tell us how your business takes payments
Share your website, time in business, monthly volume, and what is not working. We will review the details and follow up personally.
(805) 995-9942Speak with a real person. No phone trees.
Top Rank Commerce LLC3529 Old Conejo Road, Suite 115
Newbury Park, CA 91320
Newbury Park, CA 91320