Ecommerce Merchant Services and Payment Solutions

Ecommerce Merchant Services and Payment Solutions

Ecommerce Merchant Services and Payment Solutions

Complete payment infrastructure for your online store.

Faster approvals and fewer declines for sustainable growth.

ecommerce merchants
Happy couple shopping online with a credit card and tablet, making a secure payment for a purchase.
ecommerce merchants

Smart Payment Gateway

Smart Payment Gateway

Routes payments securely and supports smooth checkout experiences.

Dedicated Merchant Account

Dedicated Merchant Account

Accept and settle payments under your business name, not a shared platform.

Reliable Payment Processing

Reliable Payment Processing

Fast approvals and fewer declines with direct processor connections.

Why Ecommerce Stores Need More Than Just a Gateway

Many online retailers don't realize they're missing critical pieces of their payment infrastructure. A complete payment stack includes a gateway, merchant account, and processor working together seamlessly.

Using only a gateway or relying on payment aggregators like Stripe or PayPal creates serious business risks:

  • Sudden account freezes during sales spikes

  • Higher transaction fees as you grow

  • Limited control over payment routing

  • Longer fund holds (often 2-7 days)

  • Higher decline rates without direct processor connections

A complete payment stack with all three components gives you stability, control, and room to scale without payment disruptions.

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ecommerce
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Built for All Types of Ecommerce Sellers

We've worked with thousands of online businesses and seen firsthand how payment challenges differ across business models. The subscription box owner struggling with recurring billing failures faces completely different issues than the dropshipper dealing with supplier payment timing.

When we built Sensapay, we made sure our system could handle these unique scenarios. For example, we helped a growing supplement brand reduce their decline rates by 23% after they kept hitting roadblocks with mainstream processors. For a digital course creator, we implemented specialized fraud prevention that stopped the chargebacks threatening their account stability.

Your business model has specific payment needs, and we've likely helped someone just like you solve similar challenges. Our solutions work for:

  • DTC brands

  • Subscription box businesses

  • Dropshippers

  • Multi-vendor marketplaces

  • Nutraceuticals/supplements

  • Digital products

Essential Payment Features for Ecommerce Businesses

Our payment infrastructure is built specifically for online retailers who need reliability, flexibility, and growth support.

Secure transaction routing with 99.99% uptime and optimized for mobile, desktop, and app purchases.

Process manual orders, handle phone payments, and manage customer service transactions from any device.

Failed Payment Recovery

Recover failed transactions with intelligent retry logic that adapts to bank decline patterns.

Balance security with conversion using risk-based authentication that adapts to each transaction.

Store payment credentials securely for frictionless repeat purchases and subscription management.

Prevent disputes with advanced fraud screening and respond effectively to filed chargebacks.

Competitive Payment Processing Fees for Digital Retailers

We offer transparent pricing tailored to your business model and volume. Unlike many providers who advertise low teaser rates but hide fees in the fine print, our pricing structure eliminates surprises. We don't use confusing tiered pricing models or long-term contracts with early termination penalties.

Your rate is based on your actual business profile and risk factors, not generic industry categories. As your volume grows, your rates improve automatically through volume discounts. This means you'll never need to threaten to leave to get better pricing, your success automatically leads to lower processing costs.

How to Get an Ecommerce Merchant Account

Our streamlined application process gets you up and running quickly. Here's what you'll need:

1

Business Registration Docs

Certificate of incorporation or LLC papers with all pages clearly legible.

3

Proof of Ownership

Documentation showing your business structure and ownership percentages.

5

Processing History

3-6 months of previous merchant statements if you've accepted cards before.

2

Submit required documentation

Business registration, owner ID, and website/product details.

4

Compliance review

Provide basic business information and processing needs.

2

Owner Identification

Government ID (passport or driver's license) for all owners with 25%+ ownership.

4

Banking & Sales Info

Voided check from your business account and realistic monthly volume estimates.

6

Compliant Website

Your live ecommerce site with complete policies, terms, and contact information.

Turn Every Checkout Into a Conversion

Our direct processor connections and optimized payment routing increase approval rates by an average of 12% compared to payment aggregators.

Book a Demo

Apply Now

Connect With Shopify, WooCommerce, Magento & More

No platform changes required. Our payment solutions work with your existing ecommerce setup. We've built integration options for every major platform with a focus on simplicity and performance.

Our quick-install plugins for Shopify, WooCommerce, BigCommerce, and Magento get you up and running in minutes, not days. For custom implementations, we provide developer-friendly APIs with comprehensive documentation and sandbox testing environments.

The integration process preserves your existing checkout flow while adding our powerful payment capabilities behind the scenes. Most merchants are fully integrated within 1-2 business days without disrupting ongoing operations.

Our platform-agnostic approach enables you to unify payments across multiplechannels, including your website, mobile apps, social selling platforms, and marketplaces,  all managed through a single, consolidated dashboard with comprehensive reporting.

Common Questions from Online Sellers

What makes a dedicated merchant account better than Stripe or PayPal?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What makes a dedicated merchant account better than Stripe or PayPal?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What makes a dedicated merchant account better than Stripe or PayPal?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What makes a dedicated merchant account better than Stripe or PayPal?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

How long does it take to get approved for an ecommerce merchant account?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

How long does it take to get approved for an ecommerce merchant account?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

How long does it take to get approved for an ecommerce merchant account?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

How long does it take to get approved for an ecommerce merchant account?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Can I keep my current shopping cart or website platform?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Can I keep my current shopping cart or website platform?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Can I keep my current shopping cart or website platform?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Can I keep my current shopping cart or website platform?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

How do you help reduce cart abandonment during checkout?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

How do you help reduce cart abandonment during checkout?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

How do you help reduce cart abandonment during checkout?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

How do you help reduce cart abandonment during checkout?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Power Your Store With Payments That Scale

Don't let payment processing limit your growth potential. Our infrastructure handles seasonal spikes, flash sales, and steady expansion without account freezes or holds.

Chat with a payments expert

Chat with a payments expert