Payment Processing for E-Commerce Businesses
Online businesses face higher processing costs by default. Every transaction is card-not-present, which means interchange rates start higher — unless your pricing is structured correctly.
What E-Commerce Businesses Are Dealing With
Common payment processing challenges we see in your industry — and fix.
Card-not-present interchange premiums
Every online transaction pays higher interchange rates than in-store transactions. Your pricing structure needs to account for this reality.
Fraud and chargeback exposure
E-commerce businesses face higher fraud risk. Without proper tools, chargebacks can cost you the product, the revenue, and a fee on top.
Gateway fees adding up
Monthly gateway fees, per-transaction gateway fees, and batch fees can add 0.1-0.3% on top of your processing costs.
Shopping cart integration complexity
Getting your payment gateway to work properly with your e-commerce platform shouldn't require a developer every time something changes.
How Liberty Bancard Solves Them
Practical solutions built around how e-commerce businesses actually operate.
E-commerce optimized pricing
We structure interchange-plus pricing specifically for card-not-present transaction patterns, so you're not paying inflated rates designed for in-store businesses.
Fraud prevention tools
AVS, CVV verification, 3D Secure, and velocity checking help reduce fraudulent transactions before they cost you money.
Gateway integration support
We work with major payment gateways and e-commerce platforms including Shopify, WooCommerce, Magento, and custom integrations.
Chargeback management
Proactive alerts and response guidance help you fight illegitimate chargebacks and reduce your overall dispute rate.
Transparent gateway pricing
No hidden gateway fees. You'll know exactly what the gateway costs per transaction before you sign.
By the Numbers
3.3%
Average effective rate we find on e-commerce statements
$6,200
Average annual savings identified per online store
0.5%
Average gateway fee markup we help eliminate
Frequently Asked Questions
Which e-commerce platforms do you support?
We integrate with Shopify, WooCommerce, Magento, BigCommerce, and most major e-commerce platforms. Custom API integration is also available for proprietary platforms.
How do you help reduce chargebacks?
We implement fraud prevention tools including AVS verification, CVV matching, 3D Secure authentication, and velocity checks. We also provide chargeback response templates and guidance for fighting illegitimate disputes.
Is there a separate gateway fee?
Gateway costs are clearly outlined in your pricing proposal. We don't hide gateway fees in bundled rates — you'll see exactly what processing costs and what gateway costs separately.
Can I accept international payments?
Yes. We support international card acceptance with competitive cross-border interchange rates. Currency conversion options are available depending on your gateway configuration.
What about subscription and recurring billing?
Our gateway integration supports tokenized recurring billing for subscription businesses, including retry logic for failed payments and customer notification capabilities.
See What You're Actually Paying
Upload your most recent processing statement. We'll break it down line-by-line and show you exactly where your money goes — no commitment required.