--- title: Why can't I use my processor? description: Some processors won't support online auctioneers. Here's why! --- [Skip to content](https://support.auctionninja.com/knowledge/why-cant-i-use-my-processor#main-content) English Show submenu for translations [Report an Issue](https://support.auctionninja.com/knowledge/kb-tickets/new?hsLang=en) ![AuctionNinja-Standard Logo-2.png\]](https://support.auctionninja.com/hs-fs/hubfs/AuctionNinja-Standard%20Logo-2.png?height=31&name=AuctionNinja-Standard%20Logo-2.png) - [Default HubSpot Blog](https://auctionninja.hubspotpagebuilder.com/blog) Open main navigation Close main navigation - [Default HubSpot Blog](https://auctionninja.hubspotpagebuilder.com/blog) - English Show submenu for translations - [Report an Issue](https://support.auctionninja.com/knowledge/kb-tickets/new) - Go to auctionninja.com Go to auctionninja.com Need help? You're in Luck! - There are no suggestions because the search field is empty. 1. [Help Center](https://support.auctionninja.com/knowledge?hsLang=en) 2. [Seller FAQ](https://support.auctionninja.com/knowledge/seller-faq?hsLang=en) 3. [Procedures & Operations](https://support.auctionninja.com/knowledge/seller-faq?hsLang=en#procedures-operations) # Why can't I use my processor? ## Learn why processors often do not support online auctions.  Most commercial processors work almost exclusively with low-risk businesses—typically card-present models where the card is swiped, tapped, or inserted for a chip read during an in-person transaction. Any e-commerce business carries higher risk than a basic, in-person retail model. The merchant can’t see who is actually using the card behind the screen. While identity verification tools help protect sellers, no system is foolproof. A determined fraudster can still find ways to obtain and misuse card information. High-risk merchant accounts are specialized services that payment processors provide to businesses that experience chargebacks or fraudulent activity more frequently than standard merchants. High-risk merchant accounts come with higher upfront costs, increased processing fees, and more restrictive contract terms.  But why do online auctioneers face such scrutiny?  **Buyer Backout:** It’s not legal for bidders to reject a transaction after the item closes. After all, a bid is a binding agreement to pay X amount of money for the product promised. When a bidder’s payment method is declined, however, it’s difficult for sellers to collect funds or expect legal recourse for unpaid invoices. Yes, bidders should have to pay. But when they refuse, most authorities won’t get involved unless the unpaid invoice is substantial.  **Counterfeit Products and Fake Listings:** Counterfeit items often result from seller ignorance, and not nefarious activity. When this happens, sellers often issue refunds if a product was listed incorrectly. Additionally, claims of counterfeit or falsely listed products can result in chargebacks which your processor see as major red flags for the continuity of your business.  **Consumer Protection Laws:** We’ve said it once and we’ll keep saying it: shill bidding is illegal. When sellers use their own bidder accounts or the accounts of family/friends to artificially inflate prices. When a seller practices shill bidding, their price outcomes become subject to scrutiny and withdrawal.  Additionally, bidder recourse is vital. When an e-commerce transaction doesn’t match the good/service promised, a buyer can request a refund from the payment processor should the seller refuse to recognize any mistakes. This makes chargebacks and disputes a vital part of the e-commerce market scene.  - [Seller Resources](https://support.auctionninja.com/knowledge/seller-resources?hsLang=en#main-content) - [Navigating the Seller Dashboard](https://support.auctionninja.com/knowledge/seller-resources?hsLang=en#navigating-the-seller-dashboard) - [Creating an Auction](https://support.auctionninja.com/knowledge/seller-resources?hsLang=en#creating-an-auction) - [Operations](https://support.auctionninja.com/knowledge/seller-resources?hsLang=en#operations) - [Basic Bidder Support](https://support.auctionninja.com/knowledge/seller-resources?hsLang=en#basic-bidder-support) - [Seller FAQ](https://support.auctionninja.com/knowledge/seller-faq?hsLang=en#main-content) - [Account Set-up & Policies](https://support.auctionninja.com/knowledge/seller-faq?hsLang=en#account-set-up-policies) - [Auction Set-up & Launch](https://support.auctionninja.com/knowledge/seller-faq?hsLang=en#auction-set-up-launch) - [Post Auction Options & Policies](https://support.auctionninja.com/knowledge/seller-faq?hsLang=en#post-auction-options-policies) - [Procedures & Operations](https://support.auctionninja.com/knowledge/seller-faq?hsLang=en#procedures-operations) - [Marketing & Advertising](https://support.auctionninja.com/knowledge/seller-faq?hsLang=en#marketing-advertising) - [Bidder Resources](https://support.auctionninja.com/knowledge/bidder-resources?hsLang=en#main-content) - [Account Setup & Registration](https://support.auctionninja.com/knowledge/bidder-resources?hsLang=en#account-setup-registration) - [Bidder FAQ's](https://support.auctionninja.com/knowledge/bidder-resources?hsLang=en#bidder-faqs) - [Communications Preferences](https://support.auctionninja.com/knowledge/bidder-resources?hsLang=en#communications-preferences) - [Bidding Explained](https://support.auctionninja.com/knowledge/bidder-resources?hsLang=en#bidding-explained) - [Estate Sale Member Resources](https://support.auctionninja.com/knowledge/estate-sale-member-resources?hsLang=en) - [Default HubSpot Blog](https://auctionninja.hubspotpagebuilder.com/blog) [![AuctionNinja](https://support.auctionninja.com/hs-fs/hubfs/AuctionNinja/AuctionNinja-Standard%20Logo.png?width=4094&height=575&name=AuctionNinja-Standard%20Logo.png "AuctionNinja")](http://auctionninja.com?hsLang=en) auctionninja.com Help Center Copyright © 2026, AuctionNinja