Merchant security methods | Total Processing
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Merchant security methods

Many merchant banks employ a risk management strategy to protect themselves and the merchant from certain losses that can sometimes occur from chargebacks. A secure payment gateway will help protect both parties from the potential risks.

We work closely with the banks and your current business or future business model to get you the most appropriate merchant security terms for your bank account. After all, accessing your funds is critical to the cash flow into your business; if the level of security isn’t adequate, you can’t operate a functioning business.

At Total Processing we will negotiate these terms on your behalf, ensuring secure payment methods are in place to protect your business interests and your consumers.

The main secure payment options are detailed below.

Fixed bond

A merchant bank will evaluate your business and estimate the potential risk based on the KYC details that you provide. Once this risk is evaluated, the merchant bank will state an amount that partially or completely covers the risk. The bank will then ask you to place that amount into a secure account held by them.

Rolling reserve

A rolling reserve is where a percentage of your processing volume is secured or held in order to cover any potential risk or losses relating to chargebacks. Most rolling reserves are typically held over a rolling 6 month period.

Deferred payment

This security option is where the merchant bank will hold 100% of your funds for an agreed time. This is typically a prolonged period of time, normally until a product or service has been delivered, and provides one of the most secure payment services available to merchants.
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We’re a team of experienced, friendly professionals who pride ourselves on our unique combination of technical expertise, business acumen, and fantastic customer service. Established in 2015, the team at Total Processing works closely with businesses of all shapes and sizes to create finely tuned advanced payment solutions that result in tangible improvements to revenue and online conversions.

Total Processing Limited

Address: Ground Floor, Adamson House, Towers Business Park, Wilmslow Road, Didsbury, Manchester, M20 2YY

Phone: 0330 122 6418