Net-terms invoicing for B2B and high-ticket ecommerce, plus transparent rolling reserves designed to protect both you and your acquirer.
When do ecommerce stores need invoice processing?
Anytime your customer is a business buying on Net-15/30, your AOV is above $5K, or you sell wholesale. Card-only checkout caps your enterprise pipeline; offering invoicing unlocks it without taking on AR-team headcount.
What is a rolling reserve and when does it apply?
A rolling reserve holds back a percentage (typically 5–10%) of each batch for a fixed window (90–180 days) as protection against future chargebacks. Common on specialty MIDs in the first 6 months — we explain it up front rather than springing it after onboarding.
How do I negotiate the reserve down?
Clean processing history is the only lever. 90 days under a 0.5% chargeback ratio typically halves the reserve; 180 days often eliminates it entirely. We review your file every quarter to push for the reduction.
What about delayed-capture and pre-authorization?
Useful for high-ticket invoicing where stock allocation lags payment. We support 7-day auth holds on most card MIDs — beyond that, switch to ACH debit so the funds clear before fulfillment.
Frequently asked questions
How fast can you get approved?
Most ecommerce merchants are approved within 24 hours of complete application submission. Files with chargeback history or international processing may take 48–72 hours while underwriting reviews trailing statements.
What does it cost?
Interchange-plus pricing — typically 2.4% + $0.10 per transaction with no setup fee and no monthly minimum. You see interchange cost, assessments, and our markup on a single itemized statement.
What if I've been terminated by another processor?
We work with merchants who've been dropped by Stripe, Square, and PayPal. Bring documentation of the termination plus 3–6 months of processing statements and we'll review your file.