Clothing & Apparel Payment Processing
Merchant Accounts for Clothing & Apparel Brands
Reliable payment processing for clothing brands, apparel retailers, fashion eCommerce stores, and clothing subscription boxes.
Fashion Retail Expertise
Our underwriting team works with clothing brands and apparel retailers across all channels, from DTC eCommerce to wholesale.
Global Reach
Accept payments in 135+ currencies from fashion buyers worldwide with local acquiring for better international approval rates.
Fast Approvals
Most clothing merchants receive a decision within 24 to 72 hours of submitting a complete application.
See How Your Apparel Processing Rates Compare
Fashion brands deserve transparent pricing that scales with seasonal volume. Enter your monthly volume to see what we can offer.
- Built for seasonal volume spikes
- Multi-currency for international fashion buyers
- Subscription box billing supported
How much are you overpaying?
Enter your numbers from last month's processing statement.
All figures shown are estimates only and may be subject to change based on application review, business model, risk factors, and underwriting assessments. This tool does not constitute a commitment, guarantee, or offer of specific terms.
Same-day decisions · No application fee · Dedicated account manager
Processing Built for Fashion Retail
Challenges Apparel Merchants Face
Return and Size Dispute Chargebacks
Fashion returns and "did not fit" disputes generate chargebacks at above-average rates compared to general retail. Without proactive tools, ratios climb.
International Fashion Buyer Declines
Fashion markets are inherently global. Without local acquiring in key markets, international buyer card approval rates underperform significantly.
Subscription Box Billing Risk
Clothing subscription boxes and style boxes generate recurring billing chargebacks when customers dispute auto-renewals.
Seasonal Volume Spikes
Fashion retail sees dramatic volume increases around major holidays and seasonal launches. Standard volume caps can block sales at the wrong time.
Built for Fashion Commerce
Apparel Underwriting
Specialist underwriting for clothing brands, apparel retailers, fashion eCommerce, and wholesale distributors.
Multi-Currency Acquiring
Accept 135+ currencies from international fashion buyers with local acquiring for better approval rates in key markets.
Subscription Box Billing
Clothing subscription boxes, style subscriptions, and wardrobe membership plans managed through our gateway's recurring engine.
Chargeback Alert Integration
Ethoca and Verifi alerts catch incoming disputes before they post, protecting apparel retail revenue.
High-Volume Capacity
Underwriting built for the seasonal volume spikes that fashion brands experience around major launches and holidays.
Dedicated Account Manager
A named account manager experienced with fashion and apparel payment processing, available around the clock.
Corepay By the Numbers
-
135+ Currencies Supported
-
24-72h Typical Approval Window
-
98% Uptime SLA
Processing Payments in 30+ Countries
United States
50 statesFull domestic processing with next-day funding and dedicated account management.
European Union
27 member statesPSD2 and SCA compliant processing across all EU member states with multi-currency settlement.
United Kingdom
England, Scotland, Wales, NIFCA-regulated payment processing with GBP settlement and local acquiring.
Australia
All territoriesAPRA-compliant processing with AUD settlement and Asia-Pacific connectivity.
With the steady decline of retail clothing stores and the growth of online fashion, reliable payment processing has become essential for apparel businesses. If you own an online clothing store, you need a merchant account tailored to your specific needs. We offer payment processing for all apparel stores, including adult-related clothing.
Clothing merchants that primarily sell online may be classified as medium or high-risk due to the industry’s reputation for chargebacks. Products we commonly process include clothing, footwear, jewelry, and accessories.
Applying for Your Clothing Merchant Account
Our goal is to make your application process smooth and fast. You will need:
- Company EIN document
- Personal and business financial statements
- Proof of operating address
- Principal’s driver’s license
- Business plan (optional)
- Voided check
You can speed up approval by providing information on how your business handles chargebacks, proof of customer support, accessible terms and conditions, and clear refund and return policies.
Why Online Clothing Stores Are High-Risk
Card-not-present transactions are a major factor. CNP transactions have a higher chance of chargebacks than card-present transactions. Chargebacks are common when customers receive products that do not match the description, and unethical merchants selling misleading products have given the category a bad reputation.
To reduce chargebacks, clearly state refund policies, provide accurate product descriptions, keep your website secure, and work with a processor that understands the space.
Dropshipping
We process for dropshipping clothing stores as well. As long as your business is legitimate, our extensive network of acquiring banks allows us to get you approved.
Why Choose Corepay
Our banking network allows us to get competitive rates quickly. We understand ecommerce payment processing and offer a gateway built for high-volume online sales. We perform underwriting at the time of application, so you never face a surprise account freeze down the line.
- Competitive rates
- Approvals in as little as 24 hours
- High-volume processing
- Multi-currency support
- PCI Level 1 secure gateway, monitored 24/7
- Mobile payment acceptance
- Waived application, setup, and annual fees
- 24/7 customer service
