How Hassle-Free Shopify Payment Processing Is Possible for Your High-Risk Business

June 10, 2020

So you’re accepting payments from customers who shop online. That’s great, but how reliable is your Shopify payment processing provider? Whether your company is newly launched or your brick and mortar location is a landmark in the community, the ability for your customers to shop your store through the internet opens up a whole new world of possibilities for you in terms of sales and overall profitability. E-commerce solutions like Shopify help to make this highly technical setup process run smoothly. Over 1 million businesses around the world now leverage Shopify’s e-commerce platform.

However, if your payment processor currently uses the NMI gateway, you can no longer accept payments from Shopify users. The NMI gateway had been the go-to high-risk business payment gateway for Shopify users for a long time. Shopify made the decision to remove it from its list of compatible Shopify payment processing solutions back in early 2018.

Typical, right? But don’t fret. You’re going to be just fine because T1 Payments offers Shopify payment gateway integration that will help you avoid account termination despite your business being considered high risk.

Shopify and High Risk Payment Processing


As a leading global Shopify payment processing company, T1 Payments is fully integrated with over 175 international e-commerce shopping cart providers that run literally from A (Abante Cart) to Z (Zuora), and that list continues to grow. Of course, one of our largest affiliate e-commerce platforms is Shopify, which since 2004 has signed up over 1 million businesses from 175 countries. It also accounts for roughly 20% of the e-commerce platform market, behind only WooCommerce (26%).

Bottom-line: Shopify has a tremendous amount of influence and reach when it comes to payment processing. Thus, since T1 Payments’ gateway is compatible with the Shopify shopping cart, you can still take full advantage of the benefits Shopify users receive as subscribers. NMI was the gateway of choice for a majority of high-risk credit card processors, so the decision Shopify made to cut ties with NMI created a lot of hassle and frustration for high-risk merchants, such as adult bookstores, casinos, telemarketers, and vape vendors. Some had to start from scratch and seek out a new e-commerce platform. By going through T1 Payments, you can continue to take advantage of our reliable Shopify payment processing. We specialize in serving the needs of high-risk businesses like yours and can allow your company to accept a wide variety of payment methods from dozens of countries and in over 160 currencies. Best of all, our Shopify payment gateway integration solution does all the heavy lifting so that you can focus on your core business.


It depends on who you’re asking. A better question would be to ask: “What are the payment methods that are available to Shopify users?” so that you can pick the right one for you. And if you can name it, Shopify provides a way through for it via the Shopify POS, which further makes finding Shopify payment processing solutions easy. Whether it’s cash, check, credit card, bank account, debit card, or store credit, the decision is yours.

If you own a Mail Order/Telephone Order business or MOTO, T1 Payments’ high-risk business payment gateway offers a Virtual Terminal Solution. It allows you to enter credit card numbers manually. However, for bulk transactions, the built-in upload feature can make this process faster, so you don’t have to do it one at a time, all while ensuring accuracy.


In order to leverage Shopify payment processing, you need a payment gateway. They’re kind of a package deal. Gateways are essentially the conduit between the bank that issued your customers’ payment card (e.g., debit, credit, etc.) and yourself as the business owner. It’s the source by which authorization is communicated. You can’t have one without the other.

Perhaps unsurprisingly, given how big Shopify is, the e-commerce company uses its very own gateway called Shopify Payments. Presumably, Shopify started a gateway so subscribers could go through them exclusively and avoid transaction fees.

However, you can still use a third-party provider if that’s what makes you more comfortable or makes the most sense for your situation. Here are some of the gateways available to Shopify users who seek to leverage reliable payment processing:

  • PayPal
  • Stripe
  • Authorize.Net
  • SagePay
  • AliPay Global
  • 2Checkout
  • WorldPay
  • PayGate
  • PayFast

High-risk businesses that have used the NMI gateway may not be able to go through Shopify directly. Luckily, you can continue to take advantage of Shopify payment processing by partnering with T1 Payments. We offer the very best high-risk business payment gateway solution for high-risk businesses because our information collecting and reporting processes are streamlined and simplified. We also offer recurring payments for any business interested in our Shopify payment gateway integration solution, which can’t be said for several of our competitors. This means that if your customer opts-in to be billed monthly for your goods or services, you can set and forget the transaction. It’s the epitome of hassle-free processing.


That’s a question that every business owner accepting online, card, or mobile device payments asks. It really depends. Shopify payment processing is just that – a process. When someone pays through their credit card, whether punching in their numbers online at the Shopify store or swiping through card readers, it goes through several stages, including authorization, capture, clearing, and funding.

While this process itself takes seconds, the length of time before those funds show up in your payment account can be as little as 24 hours or as long as 72. It also depends on what day of the week it is. If transactions were conducted Saturday or Sunday, some of those payments may not post until Monday rolls around.

Shopify and High Risk Payment Processing

There may be slight differences in how quickly you’ll see the funds in your bank account if other electronic payment methods are used, like a mobile device. Generally speaking though, Shopify’s typical payment processing waiting period for such transactions is 1 to 3 business days.

By choosing T1 Payments as your preferred high-risk business payment gateway, we can promise you speed without sacrificing security through our electronic invoicing. In addition to fully integrating with the Shopify shopping cart, you can actually watch transactions take place as they happen in real-time. This is accomplished by simply selecting the appropriate parameters on your T1 Virtual Terminal, so you have access to comprehensive transaction reporting. This provides you with added transparency and gives you intelligent insight into the payment lifecycle.

As a business in a high-risk industry, you need a third-party provider to take advantage of Shopify payment processing and the company’s incredible resources. Make T1 Payments your preferred partner today. Thanks to our Shopify payment gateway integration solution, the only thing you need to worry about is doing what you do best: delivering high-quality products or services to your loyal customers. Contact us today and make payment processing easier and faster for your business.


Sources (SPB)