About us
Creative Merchant Options (CMO) provides global payment processing solutions to high risk merchant account businesses that accept payments from their customers via the Internet or MOTO (mail order / telephone order).
Our main focus is on the 'card-not-present' business environment. When the consumer's credit card is not physically present (called CNP, card not present), the merchant must then depend on the person offering the information... indirectly.
This purchasing structure presents a much riskier financial transaction than simply purchasing "in person". Offshore and domestic processors manage this risk differently than conventional 'card present' payment processors.
Our goal is to increase client profit by providing multi-currency payment solutions for ALL “card-not-present” electronic transactions.
These types of transactions include Credit & Debit Cards, ACH, Electronic Check and Electronic Funds Transfer. We also support difficult-to-place and unconventional industry types.
With over 25 years of credit card processing and financial industry experience, CMO is able to service all business types, including eCommerce, adult, credit repair, pharmacy payment processing, travel, electronics, car service, MLM and businesses where the consumer’s credit card is “not present”.
High Risk Merchant Account
We support a myriad of clients, ranging from e-commerce start-ups to businesses processing tens of millions of dollars per month…at competitive rates. Merchants join the CMO family because they want to increase revenue, remove their current processing caps and overcome challenges with their industry niche, credit history, and TMF/MATCH file issues.
The CMO automated chargeback prevention system notifies our clients about pending charge-backs. This significantly reduces charge-backs and is just one of the many advantages of using
CMO as your high-risk merchant service provider.
CMO’s solid banking relationships, both domestically and globally, ensure that merchants have the most aggressive rates. This is a direct-result of our banking and aggregation relationships.
Merchants typically are funded within 48-hours and include reconciliation reports for cross-referencing. Gateway and processing banks include redundancy and fraud features to help ensure all forms of security and PCI Compliance are achieved.
