Process Credit Cards Online with Legendary Payments

We accept businesses that are high risk, retail, mail/telephone orders and more.

We approve accounts regardless of credit history. We have the highest approval rate in the industry.

You will need a bank account and a business account so you can receive funds from your customers. Only if you are sole-ownership, we can deposit to a personal bank account.

Make your business name the same as the name on the site. Post your number on the billing descriptor. If possible, an “800” number. Provide excellent customer service, and if needed, offer a refund to your customers.

The sales will be deposited directly into your checking account. Funds are available within two business days.

Visa and MasterCard assess a fee for every payment transaction processed by participating merchants. This interchange fee is passed on to the financial institution that issued the card. The card issuer credits the merchant’s account with an amount equal to the transaction amount, less the interchange fee.

It takes 1-2 weeks to process your application. Set up and shipment will be immediate upon approval.

Credit card transactions process quickly — usually within a day or two. This improves your cash flow, eliminating the wait for checks to clear or customers to make payments after being billed. Online shoppers look for merchants that accept credit card payments. They can have peace of mind knowing that online transactions are screened diligently to help protect them against fraud and identity theft. It is a seamless method of payment for both the customer and the merchant; what’s more, accepting credit cards online can increase sales by opening up services to a wider customer base.

A chargeback occurs when a cardholder disputes a transaction on an account and the credit card’s issuing bank initiates an investigation on the cardholder’s behalf. If the transaction is found to have been fraudulent, then the issuing bank refunds the original amount to the cardholder. If the merchant cannot prove that the transaction is a legitimate one, then the credit card–issuing bank will take back the full amount of the fraudulent transaction from the merchant’s bank account, along with a fee.

A U.S. business checking account is one of the requirements to open a high-risk merchant account. Credit card payments are deposited through ACH directly into the account. These funds are available in regular merchant accounts within two business days, but high-risk merchant accounts may have longer wait times. Also, a valid photo ID, business license, current bank account statement, and previous merchant statements, if any, are needed to open this type of account. There are no setup fees for opening a new account, which may be done online. Approval takes 24–48 hours after submitting the application.