T1 Payments is a leading provider of high-risk global payment gateways for mobile payment processing companies of all sizes.


The rise of digital content consumption and the growth of mobile device ownership have both led to the birth of mCommerce and the explosive demand for mobile payment processing. In 2019, more than 3 billion people owned a smartphone, and the technology is only becoming more advanced along with consumer demand for a better, faster experience. The introduction of mCommerce has made it easier than ever for businesses to offer their digital goods and services anywhere in the world, due to a low barrier of entry for potential customers.

However, for high-risk mCommerce merchants, flawless mobile merchant credit card processing is not without difficulties. As an experienced mobile payment processing provider, T1 Payments understands the challenges these businesses continue to face. Through our mCommerce merchant accounts, we continue to help high-risk businesses unlock the benefits of credit card acceptance for their mobile apps.


  • Experience and nuanced understanding of mCommerce to help you to quickly open a merchant account and unlock the benefits of mobile payment processing and credit card acceptance
  • Sell products globally – buyers can purchase in their native currency and you get paid out in your local currency
  • Secure mobile payment gateway and cart integrations fully compliant with all PCI DSS Statements
  • Fully global mobile payment processing: collect payments in over 160 currencies and settle in 27 currencies
  • Help prevent chargebacks with the latest technology and maintain good standing for your business with the card networks to ensure your merchant account longevity


Girl Making Mobile Commerce payment on Phone



mCommerce is the delivery of electronic commerce capabilities directly into the consumer’s hands, anywhere, via handheld wireless technology.

Now more than ever, people rely on mobile devices to manage their day-to-day lives. For consumers, this has led to a desire to make digital purchases without the constraints and inconvenience of having to use larger, heavier devices, such as a desktop PC or laptop.

There are several key benefits that mCommerce has over older, more traditional methods of sale.


The sale of digital goods through mobile apps means both supply and demand can be fulfilled instantaneously. For a merchant, there is no concern about running out of stock or having to manage levels of inventory. For a consumer, products can be purchased and accessed immediately from any place and at any time, provided there is available internet access.


An essential part of any online transaction is security. When compared to eCommerce, the security capabilities of mCommerce are much more extensive. With mCommerce, regular security measures such as two-factor and multi-level authentication are present, however, mCommerce can also offer biometric authentication (fingerprints, face ID, or retina scans).


For mCommerce businesses, reaching out to customers about discounts or new product offerings is incredibly easy. Unlike eCommerce, a merchant is not required to send out emails to their customers – a channel of communication that can often be unreliable. Instead, mobile notifications can appear on a customer’s screen about new information and offers in a way that is both instant and unobtrusive.

According to SensorTower, the total app revenue for 2018 saw a 22.7% increase from the previous year, with a combined $71.3 billion being spent across Google Play and the iOS app store[1].

By 2023, mCommerce is expected to more than double in global revenue, further enforcing the prospect of a promising and lucrative future for mCommerce merchants who have planned for mobile payment processing growth.

Global App Store and Google Play User Spending 2018-2023

girl online shopping on her tablet



For any mCommerce business that is likely to process high-volume transactions (such as gaming, forex trading, etc.), there is a perception of being high-risk. For many mobile payment processing providers, this can result in transaction limits and volume processing caps being placed on the merchant, which can mean a loss of potential sales.


Mobile devices have made the setup of ongoing subscriptions a simple and convenient process for consumers. However, the offering of free trials is something that can result in a high percentage of chargebacks. In fact, 91% of consumers are said to willingly accept legal terms and conditions without reading them before installing an app[2].

Consumers may register for a free trial without the understanding that unless they cancel before their trial period ends, they will be billed automatically and put on a paid subscription plan. If a consumer either forgets to cancel or is unaware of this agreement, it can lead to attempts from the consumer to try and get their money back.


While mCommerce continues to gain momentum, so does the so-called “card-not-present” fraud. As mobile payments are made without the cardholder present, this can be seen as an opportunity for criminals to exploit. By assuming a synthetic identity with real credit card numbers, criminals can attempt to make phony mobile payments.

T1 Payments is here to help you keep your mobile merchant credit card processing safe and secure. We offer robust fraud prevention tools to ensure both mCommerce merchants and their consumers are protected. By using our fraud scrubbing technology, merchants can reduce the risks of payment fraud and chargeback fraud, resulting in a stress-free experience.

Contact us to get more information about how T1 Payments can help your company with mobile payment processing.