The default checkout rate is nobody's friend.
Platform defaults are built for ease. They are priced to match, and never bargained down. 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 takes. At $40K a month online, the gap against a rate we bargain for is thousands a year.
Card-not-present costs more
Online sales carry higher network costs by nature. Your setup decides which one you pay. The lean version or the padded one.
Two inventories, one headache
A web store that does not share stock with the register oversells. Then it says sorry and refunds.
The program fit
Fair questions
Can you beat my platform's built-in rate?
At real volume, usually yes, and by a lot. Send a month of payout reports and you get the numbers in writing.
Do I have to leave my store platform?
No. Your storefront stays. The gateway and the account under it 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 lean and padded card-not-present pricing is where we work.
Can my website and store share stock?
Yes. The systems we carry do this out of the box. One stock pool for both.
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.