Best Online Furniture Merchant Accounts

What to Know Before Getting Started

Furniture may not seem like an especially high risk product, but the surprising truth is that many online furniture retailers are currently finding it difficult to open a merchant account through traditional credit card processors. This is because online furniture sales are large-ticket purchases that are made without the buyer’s card being physically swiped, which exposes merchants and credit card processors to possible chargebacks and fraud (for example, if there’s shipping damage). The same is true for furniture orders placed by phone or by mail, although these methods of purchase are generally falling out of favor among consumers. In short, if you are selling furniture in any capacity that isn’t a brick-and-mortar storefront, you may have trouble opening a merchant account through a conventional bank.

Fortunately, there are a few merchant account providers that focus on serving high risk businesses, and some of these providers specialize in merchant accounts for card-not-present furniture retailers. To help you find an online furniture merchant account, we have compiled the following list of the top processors for online and mail order/telephone order (MOTO) furniture sellers. Most of these companies have restrictions on what types of businesses they can accept, but all of them can board a broader-than-average range of merchants. As a rule, high risk merchants should anticipate paying slightly higher processing fees in addition to one-time setup fees due to the risk absorbed by the processor. Merchants are encouraged to click through each provider’s page below before choosing one in order to find the right fit for their business type.

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Why These Merchant Account Providers

eMerchantBroker is a Los Angeles, California-based company that offers high risk e-commerce processing solutions including online furniture merchant accounts. The company’s products include ACH processing, an online payment gateway, merchant cash advance, and a chargeback management system to help merchants dispute and resolve chargeback claims. places an emphasis on providing check processing solutions for online furniture sales. offers custom pricing for each merchant and maintains a low complaint rate relative to its size and merchant portfolio. Our review of eMerchantBroker gives the company an “A” rating overall and the BBB assigns the company a rating of “A+.”

For more information, see the eMerchantBroker website or call (877) 301-3442.


Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving high risk business types. The company’s products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and virtual terminal, EMV-compatible terminals, and merchant cash advances. PaymentCloud is a good option for online furniture sellers who also maintain physical storefronts.

PaymentCloud provides a dedicated account rep to all new merchants for the life of the account. The company has not received any negative complaints on consumer forums, and it customizes its pricing according to each merchant’s business type and processing history. The BBB does not maintain a profile for PaymentCloud at this time, but CPO gives the company an “A.”

For more information, visit the PaymentCloud website or call (888) 506-7859.

Durango Merchant Services

Based in Durango, Colorado, Durango Merchant Services specializes in traditional credit card processing and offshore payment processing for high risk businesses like online furniture stores. The company, which was founded in 1999, provides credit and debit payments, e-commerce solutions, payment gateways, and eCheck processing services to high risk and TMF merchants. Durango is a good option for nearly all furniture sellers, but its ability to place any business will depend on that business’s volume, time in business, and processing history.

Durango Merchant Services offers custom pricing to its merchants depending on processing history and business type, and its sales and support staff routinely receive positive reviews on this website and elsewhere. Our review of Durango Merchant Services awards the company an “A+” rating at this time, and the BBB is also currently granting Durango an “A+” grade.

For more information, see the Durango Merchant Service website or call (888) 316-1897.

Other Merchant Account Options

The providers below may not have been researched as thoroughly or may lack a quality that prevented them from being listed above. We have listed them to provide a broader view of potential merchant account options. Are you a decision maker with your company and want to be listed on this page? Tell us here.

Vantage Payments

Based in Scottsdale, Arizona, Vantage Payments is a merchant account provider that can provide both domestic and offshore merchant accounts for high risk merchant types, including online furniture vendors. The company’s products and services include remote deposit capture, European direct debit, call center services, multi-currency support, web design, and SEO assistance. Vantage has a high success rate when it comes to placing custom furniture sellers, online furniture retailers, and MOTO furniture vendors.

Vantage Payments currently has a clean complaint record across all review websites, which is an impressive feat for a company that serves high risk business sectors. Our review of Vantage gives the company an “A” rating at this time, while the BBB gives Vantage an “A+.”

For more information, see the Vantage Payments website or call (888) 582-4903.


Based in Portsmouth, New Hampshire, Instabill is a high risk merchant account provider that is capable of serving high risk merchants in the online furniture retail industry. The company’s useful products for furniture vendors include offshore banking partners, an online payment gateway, and fraud protection. Instabill is a good fit for very high-risk e-commerce furniture merchants, including businesses that have previously been placed on the TMF/MATCH list.

Instabill customizes its pricing depending on each merchant’s size, business type, and processing history. The company has earned an “A” rating in our review as well as an “A+” rating with the BBB.

For more information, see the Instabill website.

If your business offers merchant accounts and payment solutions to online furniture sellers, please leave a comment in the comment section below or contact us through our contact page in order to get listed in this article.

Thank you for reading my review. I hope that it has helped you with your research.

My Qualifications

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so decided to build this website to help you research which providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. Simply scroll to the top of the page to find the search bar. You can also message me if you need any guidance.

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