Payment processing for e-commerce and online businesses
Gateway and cart integration, fraud screening, and chargeback tools. Card-not-present needs more than a checkout button.
Online transactions carry higher interchange and all of the fraud liability, which means the tooling around the payment matters as much as the rate on it. A declined legitimate order and a successful fraudulent one both cost you.
The other consideration is stability. Aggregators are quick to hold funds or close accounts when volume changes shape, and they rarely explain why. A properly underwritten merchant account in your own name behaves predictably because the underwriting happened up front.
Where e-commerce and online usually lose money
Fraud and chargeback liability
On card-not-present orders the liability is yours. Address verification, card security codes, and velocity rules are what keep that manageable.
Funds held without warning
Aggregators underwrite after the fact, so growth can look like risk. A dedicated merchant account is underwritten before you process.
Declined legitimate orders
Fraud rules tuned too tight cost you real sales. The dashboard should let you see what is being declined and why.
Subscription and recurring billing
Failed renewals from expired cards are avoidable with tokenization and automatic card updater support.
Cart and platform integration
The gateway has to work with the platform you already sell on rather than forcing a rebuild of your checkout.
What I would set up for a business like yours
Rate and statement analysis
Send your last processing statement and get a line-by-line breakdown of what you pay today and what it should cost.
Online and virtual terminal
Gateway, shopping cart, and keyed payment setup with fraud tools and Level 2 and 3 processing.
PCI compliance and security
Get compliant, stay compliant, and stop paying non-compliance fees you did not know you were being charged.
Hard-to-place accounts
Options for businesses that get declined or dropped by mainstream processors.
Other industries I work with
Many owners run more than one kind of business. These cover the rest.
Restaurants and bars
Full-service restaurants, Bars and breweries, Cafes and coffee shops
Retail and specialty shops
Boutiques and apparel, Gift and home goods, Specialty food and beverage
Salons and spas
Hair salons and barbershops, Nail salons, Day spas and med spas
Auto services
Independent repair shops, Tire and wheel, Auto body and collision
Professional services
Accounting and bookkeeping, Law firms, Dental and medical practices
Trades and field services
HVAC and plumbing, Electrical and solar, Landscaping and tree service
Hard-to-place businesses
Newly opened businesses, High average ticket and future delivery, Businesses with prior account closures
See what e-commerce and online should be paying
Send your most recent statement and I will come back with your effective rate, every fee explained, and a straight comparison. No obligation either way.
Free. No obligation. Reply within one business day.
How the analysis works
- Send your most recent processing statement
- I calculate your effective rate and break down every fee
- You get a written comparison, and decide from there
Most come back within one business day. Monday to Friday, 8am to 6pm. Texts answered most evenings.