Merchant Account for Furniture Businesses (Instant Approval)

Furniture businesses face unique challenges when it comes to payment processing. From handling large-ticket transactions to managing deposits and delivery payments, every sale requires flexibility and trust. Customers want simple and secure payment methods, while merchants need fast approvals and reliable payouts to keep their operations running smoothly.

At 2Accept, we provide instant approvals, fraud protection, and seamless integrations for furniture retailers. With the home and furniture category averaging just 1.24% in e-commerce conversions, a fast and secure checkout can make a significant difference. We help you process transactions smoothly, minimize risks, and provide your customers with a payment experience that fosters trust from the very first purchase.

Get Started Fast – Accept Large Furniture Orders with Instant Approval

The global e-commerce furniture market is expected to rise from $34.6 billion in 2024 to $36.99 billion in 2025. That’s why furniture businesses require reliable payment solutions to capture sales and grow efficiently with the market.

Start taking large-ticket furniture payments with At 2Accept. We offer instant approval, deposit support, and fast funding designed for the furniture industry. Accept payments in-store, online, or by phone with secure processing, ACH options, and built-in fraud protection.

Our dedicated experts guide you through setup and provide ongoing chargeback support. Apply today and go live fast with integrations for Shopify, WooCommerce, Clover, Lightspeed, and more.

Why Furniture Merchants Are Considered High Risk

Furniture merchants often fall into the “high-risk” category in payment processing. This classification is not a reflection of your business quality, but rather the transaction patterns and challenges tied to the industry.

These risks help explain why you need a specialized high risk merchant account provider like 2Accept:

High Average Order Values and Deposit Complexity

Furniture purchases typically involve thousands of dollars, which creates more risk for banks. Large deposits and delayed captures can raise underwriting concerns if not handled correctly.

Delivery Disputes and Chargeback Exposure

Because furniture often requires shipping or installation, disputes are more frequent. Lost, damaged, or delayed items can lead to chargebacks. With businesses worldwide expected to lose an estimated USD 15 billion to fraudulent chargebacks in 2025, having robust fraud protection and specialized payment handling is essential.

Custom-Made Orders and Long Fulfillment Windows

Custom furniture often takes weeks or months to fulfill. Extended timelines increase the risk of cancellations, refunds, or disputes before delivery is completed.

Cross-Border and International Delivery Risks

For merchants selling or shipping internationally, currency fluctuations and distance add complexity to their operations. These factors make transactions more difficult to manage and increase the likelihood of chargeback disputes.

Powerful Features of 2Accept Merchant Accounts for Your Furniture Business

To overcome these industry challenges, 2Accept offers tailored features that simplify the payment processing process. Our merchant accounts are designed specifically for businesses that handle large transactions and have high customer expectations.

Instant Approval and Realistic Turnaround Times

Get approved in as little as 24 to 48 hours for standard applications. High-ticket cases are reviewed promptly, with clear guidance on documentation, allowing you to begin processing without unnecessary delays.

Deposit and Partial Payment Workflows

Accept deposits upfront, securely store card information, and capture the final balance at delivery. We also support split payments across suppliers, designers, or installers to ensure your operations run smoothly.

Payment Channels and Integrations

Whether you sell in a showroom, online store, or by phone, 2Accept covers it all. We integrate with Shopify, WooCommerce, Clover, Lightspeed, and more while also offering ACH and eCheck options for big-ticket sales.

Fraud Prevention and Chargeback Management

We protect your transactions with AVS, CVV checks, tokenization, and 3D Secure. With eCommerce merchants losing $207 for every $100 in fraudulent orders, robust fraud prevention and responsive dispute support are essential to safeguarding your business and minimizing losses.

Gather These Documents to Get Approved Quickly and Start Selling

Applying for a merchant account with 2Accept is simple when you have the right documents ready. Providing all required items upfront helps speed up approval and reduces back-and-forth with underwriting.

• Business license or state registration certificate
• Employer Identification Number (EIN) or Tax ID
• Voided bank account check or bank letter for payout setup
• Website URL or online store screenshots for ecommerce sellers
• Product photos or a catalog for high-ticket and custom furniture
• Recent processing statements if moving from another provider
• Delivery terms, refund policy, and warranty information
• Owner’s government-issued ID (driver’s license or passport)

Having these documents ready ensures your application is processed quickly and moves toward instant approval without delays.

Launch Your Furniture Merchant Account in Easy Steps

Getting started with 2Accept is fast, easy, and designed for furniture merchants like you. We guide you every step of the way, enabling you to start accepting large-ticket orders with confidence and speed.

Step 1: Start Your Quick Application

Complete our brief online form in just minutes. This kickstarts your approval process and allows our team to pre-review your application to ensure a smooth process.

Step 2: Submit Your Documents

Provide the essentials, such as a business license, EIN, bank details, and product or website information. Having these ready helps us move your application toward instant approval.

Step 3: Pre-Review for Faster Approval

We review your application immediately, flag any missing info, and guide you on the next steps. This ensures your furniture merchant account moves forward without unnecessary delays.

Step 4: Underwriting and Approval

Our underwriting team carefully reviews your application. Standard furniture accounts are often approved within 24 to 48 hours. For high-ticket or custom orders, we provide clear guidance to help you meet requirements quickly.

Step 5: Seamless Integration and Go Live

Connect your merchant account to your POS system or ecommerce platform. Our plug-and-play integrations and API support make it simple to start accepting payments in-store, online, or over the phone.

Step 6: Capture Payments and Track Performance

Once live, accept deposits, authorize transactions, and capture final payments at delivery. Detailed dashboards and reports make reconciliation effortless, giving you complete visibility into every sale.

[Apply for Instant Approval]

Who Benefits Most from 2Accept’s Furniture Payment Solutions

Not all furniture sellers operate in the same manner, and payment needs can vary significantly depending on the type of business. 2Accept tailors its merchant accounts for high volume businesses to meet these specific requirements, providing every kind of furniture merchant with the tools to process payments smoothly and securely.

Here are the furniture businesses we offer flexible solutions to help reduce risks and support growth:

Retail Furniture Stores and Showrooms

Physical furniture stores need reliable POS systems that can handle large single transactions. We provide integrations that keep checkout simple, whether it’s swiping, tapping, or processing a chip card.

Custom and Made-to-Order Furniture Makers

For sellers creating personalized pieces, our deposit and final capture tools simplify the process of securing upfront payments while collecting the balance once the order is ready.

Online Furniture Marketplaces and Multi-Vendor Sellers

We work with ecommerce platforms to support multiple sellers under one marketplace. Features like tokenized payments and fraud prevention keep transactions safe.

B2B Wholesalers and Contract Furniture Suppliers

For bulk furniture suppliers selling to offices, hotels, or schools, we provide ACH and eCheck options to simplify large invoice payments with lower fees.

Solve Payment Challenges and Grow Your Furniture Business with Ease

Furniture merchants often face problems that traditional processors overlook. At 2Accept, our services are designed to address these challenges head-on, giving you the confidence to accept payments of any size without unnecessary stress.

Reduce Delivery-Related Chargebacks

Our system supports proof of delivery tools like signature capture and photo confirmation, which can be used as evidence in chargeback disputes, improving your chances of winning.

Lower Processing Cost for Big-Ticket Sales

With ACH and eCheck capabilities, you can process large payments at a fraction of the cost compared to traditional card transactions. This keeps more profit in your pocket.

Improve Conversion with Financing Options

Offering customers the ability to pay over time through buy now pay later or installment integrations helps increase sales while reducing upfront payment concerns.

Faster Funding and Flexible Payouts

We understand cash flow is critical in the furniture industry. That’s why we offer daily, weekly, or even same-day funding options to keep your operations running without delays.

2Accept is the Merchant Account Partner That Understands Your Furniture Business

At 2Accept, we understand that furniture businesses require more than just a standard payment processor. Our solutions are tailored to meet the unique needs of the furniture industry, offering features and support that set us apart from traditional providers.

High-Risk Expertise with White-Glove Onboarding

Navigating the complexities of high-ticket transactions and industry-specific challenges requires specialized knowledge. 2Accept brings decades of experience in routing card payments and understanding interchange dynamics. Our team is equipped to handle the intricacies of the furniture sector, ensuring that your business receives the attention and expertise it deserves.

Transparent Pricing and Sample Merchant Statements

We believe in clear and upfront pricing. 2Accept provides sample fee scenarios for large-ticket sales, allowing you to understand potential costs before committing. Our transparent approach ensures there are no hidden fees, helping you make informed decisions about your payment processing needs.

Deep Integrations and Tech Compatibility

Whether you’re operating a physical showroom or an online store, 2Accept offers seamless integrations with major POS systems and ecommerce platforms. Our solutions are compatible with platforms like Shopify, WooCommerce, Lightspeed, and more, ensuring that your payment processing is as efficient as your sales operations.

Advanced Merchant Protections and Value Adds

Protecting your business from fraud and chargebacks is a priority. 2Accept offers advanced fraud prevention tools, including AVS, CVV checks, tokenization, and 3D Secure. Additionally, our chargeback management services provide proactive monitoring and dedicated support, helping you safeguard your revenue and maintain customer trust.

Frequently Asked Questions

What is the typical approval timeline for a furniture merchant account?

We usually process applications within 24 to 48 hours for standard cases. High-ticket or custom furniture businesses may require extra documentation, which could take a bit longer. Our dedicated support team works to streamline the process and minimize any delays.

Can I integrate 2Accept with my existing POS or ecommerce platform?

Yes, we offer seamless integrations with major POS systems and ecommerce platforms, including Shopify, WooCommerce, and Lightspeed. This ensures that your payment processing aligns seamlessly with your current sales setup, requiring minimal changes.

Are there any setup or hidden fees associated with 2Accept’s merchant accounts?

We are committed to transparency. While standard processing fees apply, there are no hidden setup or maintenance charges. Our transparent pricing structure helps you understand costs upfront and avoid unexpected expenses.

How does 2Accept handle chargebacks and disputes?

We provide dedicated chargeback management, including proactive monitoring and support. If a dispute occurs, our team helps gather documentation and communicates with the necessary parties to resolve issues efficiently and protect your revenue.

Can I accept international payments through 2Accept?

Yes, we support international transactions, so you can expand your customer base globally. Our platform supports multiple currencies and adheres to international payment standards, ensuring secure transactions across borders.

What types of customer support does 2Accept offer?

We provide phone, email, and live chat support. Our team assists with technical issues, account questions, and payment processing concerns to ensure your furniture business receives timely and effective support.

Turn Every Furniture Order into a Seamless Sale with 2Accept

Don’t let large-ticket furniture orders slow you down. With 2Accept, you can get instant approval, accept deposits, and securely capture final payments, all while offering flexible options such as installment plans and buy now, pay later. Our system works seamlessly in-store, online, and by phone to guarantee a smooth transaction experience for you and your customers.

Apply for instant approval now and start processing high-value furniture sales without delays. See transparent, tailored pricing for your business and schedule a demo to walk through our setup with a payments expert.