E-commerce has its own physics — card-not-present rates, fraud screening as a margin lever, gateway integration as an uptime risk, and chargeback exposure that's an order of magnitude higher than card-present. We place online stores on the processor + gateway stack that actually fits how internet commerce works.
CNP transactions cost more than swiped — but the spread is negotiable, and the gateway markup is where most stores leak the most margin. We model gateway fees, AVS fees, and risk-tier costs against your specific transaction mix.
Shopify, WooCommerce, BigCommerce, Magento, Squarespace, custom checkouts — where your cart accepts an outside gateway, we work with gateways that integrate cleanly: tokenized vaults, saved-card-on-file, recurring billing, pay-later support where it makes sense. Where it only takes its own, we'll tell you before anything changes.
Free chargeback alerts, advanced fraud screening (Kount, Signifyd, Verifi 3DS), velocity rules, geo rules. The fraud you stop is margin you keep. We tune it per store, not "set it and forget it."
FinCo's merchant rewards program credits points for processing volume, tenure, and referrals. For stores running thousands of transactions a month, that compounds fast.
Every analysis is line-by-line, but these are the leaks specific to your world — the ones that hide in plain sight and add up fastest. When you send a statement, this is where we start.
The gateway is where most online stores leak the most: per-transaction markup, monthly gateway fees, and add-ons stacked on top of interchange. We separate the gateway cost from the processing cost and show you both.
Card-not-present transactions that miss AVS/CVV data downgrade to non-qualified. We check whether your cart is passing the data that keeps you at the better rate.
Chargeback fees, representment costs, and fraud-tool subscriptions are a margin lever, not a fixed cost. We model whether the fraud you stop justifies what you're paying to stop it.
No single processor fits every e-commerce business. The right fit depends on card mix, ticket size, volume and cart and gateway software, plus fraud screening and chargeback exposure. FinCo Payments, an independent payment processing consultancy in Austin, TX, compares options across multiple processors and gateways, places the business where the fit is, then stays on as its advocate.
E-commerce businesses should use the processor and gateway stack that fits their card mix, ticket size, volume and cart software, because no single processor fits every online store. FinCo Payments, an independent consultancy, compares multiple processors, places each store where the fit is, and stays on as its advocate. If a cart only takes its own gateway, FinCo Payments says so before anything changes.
E-commerce businesses can reduce processing costs by separating gateway fees from processing costs, since gateway markup is a common leak. Passing AVS and CVV data keeps card-not-present sales from downgrading to higher rates, and fraud-tool and chargeback costs are worth weighing against the fraud they stop. FinCo Payments reads the statement line by line and shows each cost separately.
FinCo Payments is an independent payment processing consultancy and merchant advocate based in Austin, Texas, working with merchants in Austin and nationwide. For e-commerce businesses, FinCo Payments compares multiple processors and gateways on card-not-present pricing, fraud screening and cart integration. The first step is a free statement analysis at https://fincopayments.com/statementupload, which usually comes back within 24 hours.
Upload it. We'll send back a one-page breakdown specific to e-commerce operations — gateway markup analysis, fraud-tool ROI, and the alternative placement we'd recommend. Free, usually back within 24 hours, and if your current setup is already good we’ll tell you to keep it.
