The default checkout rate is nobody's friend.
Platform payment defaults are built for convenience, priced accordingly, and never negotiated. Real volume deserves a real gateway with bid processing behind it.
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What online sellers are up against
Default-rate drag
The standard 2.9% plus 30 cents is a starting offer everyone accepts. At $40K a month online, the difference against negotiated processing is thousands a year.
Card-not-present costs more
Online transactions carry higher network costs by nature. Structure decides whether you pay the honest version or the padded one.
Two inventories, one headache
A web store that doesn't share stock with the register oversells, apologizes and refunds.
Fair questions
Can you beat my platform's built-in rate?
At real volume, usually yes and meaningfully. Send a month of payout reports and you'll get the comparison in writing.
Do I have to leave my store platform?
No. The storefront stays; the gateway and processing underneath change. Customers notice nothing.
Why do online payments cost more than in-person?
No card present means more fraud risk, priced in by the networks. The gap between honest and padded card-not-present pricing is where we work.
Can my website and physical store share inventory?
Yes, that's native in the omnichannel systems we carry.
What about chargebacks?
We set up the prevention tooling and walk you through response when one lands. It's part of support, not an upsell.
Negotiate the rate your volume earned.
One statement, 24 hours, your real number in plain English.