E-commerce has its own physics — card-not-present rates, fraud screening as a margin lever, gateway integration as a 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 — we work with gateways that integrate cleanly. Tokenized vaults, saved-card-on-file, recurring billing, pay-later support where it makes sense.
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.
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.