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

June 10, 2020

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So you’re now accepting payments from customers who shop online. Congratulations are most definitely in order. 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 nice and smooth. Over 1 million businesses around the world now leverage Shopify’s e-commerce platform.

However, if your payment processor currently uses the NMI gateway, which is most likely the case in a high-risk industry, you can no longer accept payments from Shopify users. This is a decision Shopify made back in early 2018.

Typical, right? All that work for nothing. In reality, you’re going to be just fine because T1 Payments offers a workaround that will allow you to avoid terminating your account to stay fully integrated with the Shopify store platform, despite your business being considered high risk.

Shopify and High Risk Payment Processing

How T1 Payments helps high-risk businesses better leverage their Shopify membership?

As a leading global 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 is 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 Shopify payment processing. We specialize in serving the needs of high-risk businesses like yours and allow your company to accept a wide variety of payment methods from dozens of countries and in over 160 currencies.

What is the best payment method for Shopify?

When it comes to the best payment methods, such a question is like determining the best ice cream flavor. It depends on who you’re asking. Perhaps a better question is what are the payment methods that are available to Shopify users. You name it, Shopify provides a way through the Shopify POS. Whether it’s cash, check, credit card, bank account, debit card or store credit, the decision is yours. Obviously, if you own a brick and mortar store and seek to accept credit cards or debit cards, card readers make this possible. These carry differing transaction fees.

If you own a Mail Order Telephone Order business, or MOTO, T1 Payments’ merchant 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 one at a time, all while ensuring accuracy.

What payment gateway does Shopify use?

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 (appropriate, no?). It’s been using that one since 2013. Presumably, Shopify made the move so subscribers could go through them exclusively and avoid transaction fees.

However, you can still use a third-party provider if that’s what’s comfortable to you or makes the most sense for your situation. Here are some of the gateways available to Shopify users who seek to leverage Shopify 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, but you can continue to take advantage of Shopify payment processing by partnering with T1 Payments. We offer the very best payment gateway solution for high-risk businesses because our information collecting and reporting process is streamlined and simplified. We also offer recurring payments — which can’t be said for several of our competitors — so funds can be automatically withdrawn from your customers’ bank account. It’s the epitome of hassle-free processing.

Plus, while certain transaction fees do apply, T1 Payments’ are flat so you know exactly what you’ll be charged and don’t have to do the math on the percentage of each purchase. This affords you added predictability, which may be difficult to come by as a high-risk business owner.

  How long does it take to receive a payment from Shopify?

That’s a question that every business owner accepting online, card or mobile device payments asks. The short answer? It depends. Now for the longer answer. 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. These include authorization, capture, clearing and funding.


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

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, it’s 1 to 3 business days.


By choosing T1 Payments as your preferred 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. We can seamlessly integrate with your website’s e-commerce platform so 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 speedier for your business.



Sources (SPB)