Ecommerce Payment Processing — by Vertical
Every ecommerce vertical has its own MCC, its own chargeback profile, and its own underwriting story. We build merchant accounts to match — interchange-plus pricing, chargeback alerts, 3DS 2.0 fraud routing, and a native plugin for the cart platform your store actually runs on.
CBD Payment Processing
CBD is a Tier-1 high-risk MCC — most aggregators ban CBD outright. Specialty underwriters with bank sponsorship for hemp-derived p…
Explore CBD pricing →Nutraceuticals & Supplements Payment Processing
Nutra MIDs require high-risk underwriting with chargeback ratios held under 1%. Continuity billing without disclosure is the #1 fr…
Explore nutra pricing →Peptides Payment Processing
Peptide ecommerce sits in the gray-area FDA gap — specialty offshore + domestic MIDs in tandem keep volume flowing if one bank fre…
Explore peptide pricing →Kratom Payment Processing
Kratom requires specialty high-risk underwriting and geographic filtering — orders to TN, AL, IN, RI, VT, WI, AR must auto-decline…
Explore kratom pricing →Vape & E-Cigarette Payment Processing
Vape ecommerce requires age-verified gateway, PACT-compliant shipping integration, and a high-risk MID — Stripe, Square, and PayPa…
Explore vape pricing →Tobacco & Cigars Payment Processing
Cigar and tobacco ecommerce need PACT-registered MIDs with state excise-tax integration and adult-signature confirmation on every …
Explore tobacco pricing →Firearms & Ammunition Payment Processing
Firearms are a Tier-1 high-risk MCC banned by every mainstream aggregator. 2A-friendly processors with bank sponsorship for FFL ec…
Explore firearms pricing →Ammunition Payment Processing
Ammo ecommerce needs 2A-friendly underwriting, hazmat-aware shipping integration, and state-limit auto-blocks (CA, NY, MA, NJ) at …
Explore ammo pricing →Hunting & Tactical Gear Payment Processing
Tactical gear sits adjacent to firearms — most mainstream processors flag tactical SKUs. Moderate-risk MIDs with 2A bank sponsorsh…
Explore tactical pricing →Adult & Lingerie Payment Processing
Adult ecommerce requires Visa IAF and Mastercard BRAM registration, plus quarterly age-verification audits. Stripe, Square, PayPal…
Explore adult pricing →Dropshipping Payment Processing
Dropshipping is a Tier-2 moderate-risk MCC — long shipping windows trigger chargeback ratios above 1%, freezing Stripe and PayPal …
Explore dropshipping pricing →Subscription Box Payment Processing
Subscription box ecommerce needs network-tokenization + account updater coverage to keep churn under 8% — flat-rate processors don…
Explore subscription box pricing →Activewear & Athleisure Payment Processing
Activewear ecom averages 30% returns — interchange-plus pricing refunds the full discount rate on returns, recapturing 0.35% effec…
Explore activewear pricing →Footwear & Sneakers Payment Processing
Hyped sneaker drops draw bot/fraud rates 6-9x baseline — Kount + 3DS 2.0 + velocity rules paired with high-ticket CNP underwriting…
Explore footwear pricing →Swimwear & Loungewear Payment Processing
Swimwear seasonality breaks flat-rate processors — interchange-plus MIDs underwrite the seasonal curve at onboarding so reserves n…
Explore swimwear pricing →Handbags & Leather Goods Payment Processing
Handbag ecom needs 3DS 2.0 on every $500+ order plus signature-required shipping to qualify for chargeback liability shift.…
Explore handbags pricing →Eyewear & Sunglasses Payment Processing
Eyewear stores accepting HSA/FSA cards need MCC 8043 underwriting so IIAS-eligible transactions clear — generic MCC 5995 won't acc…
Explore eyewear pricing →Apparel & Fashion Payment Processing
Apparel ecom averages 24% return rate — interchange-plus pricing on refunds (vs flat-rate, which keeps the fee) saves 0.30% effect…
Explore apparel pricing →Jewelry & Luxury Payment Processing
Jewelry needs 3DS 2.0 enforcement on every order $500+ and signature-required shipping to qualify for chargeback liability shift.…
Explore jewelry pricing →Luxury Watches Payment Processing
Pre-owned luxury watch sales require high-risk underwriting, escrow integration (Escrow.com), and per-transaction approvals over $…
Explore watch pricing →Consumer Electronics Payment Processing
Electronics ecom faces 4-7% fraud attempt rate — Kount, Signifyd, or NoFraud integration paired with 3DS 2.0 keeps liability with …
Explore electronics pricing →Furniture & Home Goods Payment Processing
Furniture ecom needs delayed-capture functionality (auth at order, capture at ship) and signed delivery confirmation to defend 'no…
Explore furniture pricing →Beauty & Cosmetics Payment Processing
Beauty subscription brands need account updater, dunning, and dispute response automation to maintain CB ratio under 0.9%.…
Explore beauty pricing →Skincare & Anti-Aging Payment Processing
Skincare continuity offers face the highest CB scrutiny in beauty — disclosure timing and trial-to-bill cadence determine MID surv…
Explore skincare pricing →Hair Extensions & Wigs Payment Processing
Hair extension ecom averages $200+ tickets with 38% international buyers — multi-currency processing and 3DS enforcement avoid dec…
Explore hair pricing →Pet Supplies & Food Payment Processing
Pet auto-ship needs network-tokenization to keep recurring approval rates above 92% — flat-rate processors don't pass tokens throu…
Explore pet supplies pricing →Coffee & Tea Subscription Payment Processing
Coffee subs averaging $25-40/month MRR need account updater + smart retry to keep voluntary churn under 4% per month.…
Explore coffee pricing →Wine & Alcohol Delivery Payment Processing
DTC alcohol requires state-licensed MIDs, ShipCompliant integration, and adult-signature confirmation on every shipment — generic …
Explore alcohol pricing →Cannabis Accessories Payment Processing
Smoke shop ecommerce can't use Stripe, Square, or PayPal — high-risk processors with paraphernalia-friendly bank sponsorship are r…
Explore smoke shop pricing →Meal Kits & Prepared Food Payment Processing
Meal-kit subs run weekly billing cycles — recurring-friendly underwriting + account updater coverage keep approval rates above 94%…
Explore meal kits pricing →Fitness Equipment Payment Processing
Fitness equipment $500+ tickets benefit from Affirm, Klarna, Afterpay integration paired with delayed capture until freight delive…
Explore fitness pricing →Home Decor & Decorative Payment Processing
Home decor freight breakage runs 3-5% — delayed-capture (auth at order, capture at ship) plus signature delivery defends 'damaged'…
Explore home decor pricing →Candles & Home Fragrance Payment Processing
Candle subscriptions need account updater + network tokenization to keep auto-ship approval rates above 92% on month-over-month re…
Explore candles pricing →Bedding & Bath Linens Payment Processing
Bedding ecom returns average 22% — interchange-plus refunds the full discount rate, recapturing 0.30% effective vs flat-rate proce…
Explore bedding pricing →Kitchenware & Cookware Payment Processing
Kitchenware $200+ tickets benefit from Affirm/Klarna integration plus signature-required shipping on $500+ orders for chargeback l…
Explore kitchenware pricing →Auto Parts & Accessories Payment Processing
Auto parts ecom faces 3-5% fitment-related returns — clear vehicle-fit data on invoices plus signature delivery on $500+ orders de…
Explore auto parts pricing →Books & Media Payment Processing
Books are low-margin (15-25%) — every 0.20% interchange-plus saving on $300K/year volume drops $600 to the bottom line.…
Explore books pricing →Toys & Hobbies Payment Processing
Toy ecom doubles volume Nov-Dec — interchange-plus MIDs handle the spike without reserve holds that flat-rate processors impose.…
Explore toys pricing →Baby & Maternity Payment Processing
Baby subscription brands need account updater + network tokens — typical card-on-file replenishment runs 22-month customer lifecyc…
Explore baby pricing →Print-on-Demand Payment Processing
POD merchants face 'item not received' chargebacks during 14-21 day production windows — clear shipping timeline disclosure on eve…
Explore POD pricing →Custom & Personalized Merch Payment Processing
Personalized merch needs explicit no-refund policy on the order confirmation and proof-of-design-approval workflows to win chargeb…
Explore custom merch pricing →International & Cross-Border Payment Processing
Cross-border ecom needs local-acquiring in target markets (EU, UK, AU) — without it, decline rates climb to 40%+ vs 8% domestic.…
Explore international pricing →