Industries
Retail & e-commerce
Card-not-present pricing rewards the merchants who read their statements.
What makes this sector different
E-commerce interchange carries downgrade categories that a blended statement hides completely. Missing AVS data, late settlement, incorrect MCC and unqualified transactions quietly move basis points every month, and the merchant statement is designed not to show it.
How we approach it
- Interchange qualification audit against your last three statements
- Surcharge program structured for card-not-present disclosure rules
- PCI Level 1 compliant gateway and tokenized card-on-file
- Settlement and funding timelines mapped to your cash cycle
Other industries
Questions
Retail & e-commerce and card acceptance
What makes retail & e-commerce different from a generic merchant account?
E-commerce interchange carries downgrade categories that a blended statement hides completely. Missing AVS data, late settlement, incorrect MCC and unqualified transactions quietly move basis points every month, and the merchant statement is designed not to show it. A generic rate sheet ignores all of that, which is why two businesses paying the same headline discount rate can have materially different effective rates.
How do you price retail & e-commerce?
Interchange-plus, so you can see the three components separately: interchange and assessments, which are fixed for every processor in the market, and our margin, which is the only negotiable part. Where a zero-cost program fits, we structure it as cash discount or surcharge depending on your state and your ticket size.
What does the statement review cover?
Your effective rate derived from three statements, the transactions that failed to qualify for the interchange category they should have hit, the monthly fee stack, and any equipment lease hiding behind the processing agreement. It costs nothing and we will tell you if you are already priced well.
Where are you based?
Chicago. The company and all of its software are lovingly created here, and we serve merchants across the United States from here rather than claiming local offices we do not have.
Tell us how your business actually runs.
A scoping conversation costs nothing and ends with a straight answer on whether a custom build is worth it — and what your card acceptance should cost.