Merchant services for ecommerce
Online payments without the sudden hold.
Online sellers get frozen more than anyone, because instant-approval platforms underwrite after you're live and card-not-present volume is exactly what their algorithms flag. We underwrite first, so your money keeps moving.
- ✓Next-day funding on every batch, no payout fee
- ✓Hosted checkout, embedded forms, and payment links
- ✓Human underwriting upfront, so growth doesn't trigger a freeze
- ✓Interchange-plus pricing with the markup disclosed
$3.9B
Annual volume
5.2M
Annual transactions
65K
Clients
2001
In business since
PCI DSS Level 1
A-LIGN certified
HIPAA
A-LIGN certified
Partnering with industry leaders
Card-not-present is where holds actually happen.
A sales spike, a new product line, or a single large order is enough to trip a risk model that never properly assessed your business. For an online seller, a two-week hold during a launch is existential.
No surprise holds
Growth doesn't look suspicious
Your business model, product mix, and expected volume are reviewed by a person before you go live. Scaling is expected, not anomalous.
Cash flow
Next-day working capital
Ad spend, inventory, and fulfilment all move faster than a two-day settlement. Sales today deposit tomorrow.
Disputes
Chargebacks handled with you
You're notified the day a dispute arrives, with the reason code and deadline in plain language, and our team reviews your evidence before it's submitted.
Security
Tokenized card storage
Saved customers are stored as tokens, never as card numbers in your system, which keeps live card data out of your infrastructure entirely.
Checkout, links, subscriptions, and phone orders.
Every card-not-present method runs on one merchant account with one statement and one next-day deposit.
Standard ecommerce
Hosted checkout
A branded checkout page you send customers to, powered by CoreGateway. No card data ever touches your servers.
Flexible selling
Embedded forms and payment links
Drop a payment form into your own site, or text and email a link for one-off invoices, deposits, and custom orders.
Recurring revenue
Subscriptions
Recurring billing with automatic card updater, so a reissued card doesn't silently end a subscription.
MOTO
Phone and mail orders
A browser-based virtual terminal for keyed orders taken over the phone. No hardware required.
Switching without breaking your checkout.
The order matters more online than anywhere else, because a broken checkout costs money by the minute.
Send a recent statement
We read your real effective rate. Card-not-present interchange is higher than card-present, and some processors quietly downgrade transactions in ways that make it higher still.
A person underwrites it
Typically 24 to 48 hours. Your product mix, fulfilment model, and growth expectations are discussed upfront rather than modelled after the fact.
Credentials are issued
Gateway credentials the same day approval lands, so integration and testing can start immediately.
You test in a sandbox
Full test transactions against your live integration before a single real customer touches it.
You cut over
Flip the credentials during a low-traffic window. Most stores see no interruption at all.
What online processing actually costs
Card-not-present transactions carry higher interchange than card-present ones, and that is unavoidable. What is avoidable is a processor letting transactions downgrade into even more expensive categories and never telling you.
Baseline cost
Card-not-present interchange
Online transactions sit in higher interchange categories than tapped or dipped cards. That is set by the card networks and every processor pays it. The markup on top is the only variable.
Avoidable cost
Downgrades
Missing address data, late settlement, or incomplete transaction detail can push a transaction into a more expensive category. Correct configuration prevents most of it.
Average order value
Per-item fees on small baskets
On a $9 digital product, a fixed per-item fee can outweigh the percentage rate entirely. Basket size changes which structure suits you.
Effective rate
What to compare
Divide total fees by total card volume on your last statement. That effective rate is what to compare between processors, not the quoted rate.
Common questions for ecommerce.
Common questions
Anything else, ask a person: (615) 943-9373.
Do I need a merchant account to sell online?+
Yes. Online sales need a merchant account plus a payment gateway to connect your website to it. Both are included here, whether you use hosted checkout, an embedded form, or payment links.
Why do online sellers get their funds held so often?+
Because instant-approval platforms underwrite after you're processing. Card-not-present volume, sales spikes, and new product lines all read as risk to a model that never assessed your business properly. Underwriting first is what prevents it.
Will you hold my funds if I have a big day?+
No. Expected volume and growth are part of underwriting before you go live, and we don't re-underwrite mid-stream.
What happens if I get a chargeback?+
You're notified the day we receive it, with the reason code and the deadline in plain language. You upload your evidence and our team reviews it with you before it's submitted. A chargeback doesn't put your funding on hold.
Can I take subscriptions?+
Yes. Recurring billing is included, with automatic card updater and retry logic so reissued and expired cards don't silently cancel a subscription.
Is my customers' card data stored on my site?+
No. Cards are tokenized, so a saved customer is a token rather than a card number sitting in your systems.
Do you integrate with my shopping cart?+
Tell us what you're running and we'll confirm before you sign, not after. Hosted checkout and payment links work regardless of platform if a direct integration isn't available.
Are there setup fees or contracts?+
No setup fee, no monthly minimum, and no hidden fees. Accounts are month-to-month with no cancellation fee, so nothing locks you in beyond the month you're in.
See merchant services and credit card processing for every business type, or read about CoreGateway, the gateway behind online checkout.
Get approved before your next launch.
Ten minutes to apply, 24 to 48 hours to a real approval, then every batch deposits the next business day.
Or email sales@corecommerce.com