Features

Balance Payment Processors

When running a direct-response offer, it is vital to be able to spread your processing risk across multiple merchant accounts. Some credit card processors will withhold a company's deposits at the drop of a hat – if that happens to be your only merchant account, be prepared to go out of business!

It is not enough to simply have a "backup" merchant account – if you are not actively using the backup account, you will likely burn that account, too, when going from zero to full throttle. The trick is to keep all of your merchant IDs "warm," allowing you to increase processing volume later without triggering any red flags. Catapult easily facilitates this process by enabling you to distribute volume across your MIDs as you see fit.

Risk avoidance is not the only reason to have several merchant accounts. In many cases, you will need multiple MIDs to continue expanding your business, as payment processors often cap your total monthly volume to limit their own risk. This means that you will need a way to allocate traffic proportionally among payment processors. Lastly, some processors may not approve of certain billing models, so you will have to ensure those processors do not receive prohibited transactions. Catapult is capable of accommodating all of these circumstances.