Why this is classified high risk
Consumer electronics is the highest-fraud e-commerce vertical after jewelry. Stolen-card rings target electronics specifically because they ship globally and resell instantly. Aggregators apply restrictive velocity caps and freeze merchants on the first fraud cluster.
Real placement uses fraud-scoring tools (Kount, NoFraud, Signifyd) wired into the gateway by default, plus BIN-velocity logic that recognizes reshipper and mule patterns specific to electronics resale.
Features included
Kount or NoFraud included; auto-decline on score threshold.
Multi-card-per-shipping-address detection to block muling patterns.
Pair domestic + EU acquirers for legitimate global resale without raising fraud flags.
Tiered refund policy for new/refurb/open-box reviewed pre-underwriting.
Underwriting documents you'll need
- Merchant application + voided check
- Last 3 months bank + processing statements
- Supplier / authorized-distributor agreements
- Refund + RMA policy (grade-tiered if refurb)
- Website with shipping insurance, signature confirmation, SSL
- Fraud-scoring vendor (or willingness to enable our included one)
Pricing factors
Electronics pricing ranges 2.95% – 4.45% + $0.25 depending on fraud-loss history and chargeback ratio. Reserves typically 5–10% rolling 180 days for online-only; 0–3% for retail+online with strong CP volume.
Fraud-scoring costs $0.10–$0.25 per transaction and typically saves 5–15x that in prevented chargebacks and fraud losses.