eCommerce Payment Processing
eCommerce Merchant Accounts for Every Vertical
eCommerce merchant accounts for standard and specialty online retailers, with fast approvals, competitive rates, and fraud protection built for card-not-present selling.
Keep Your Store. Upgrade Payments.
No replatforming required. Corepay is gateway agnostic and integrates with Shopify, WooCommerce, WordPress, custom carts, and existing checkout experiences. Move payment infrastructure without rebuilding your storefront.
One Platform. More Flexibility.
More acquiring options. More control. Route payments the way your business needs with support for multiple gateways, recurring billing, digital wallets, international expansion, and redundancy strategies that help reduce dependency on a single provider.
Outgrow Aggregators Without Rebuilding Payments
High-volume WooCommerce and Shopify merchants often face reserve requests, payout delays, stricter monitoring, and approval friction as they scale. Corepay is built to support growth without forcing a payment migration later.
See How Your eCommerce Rates Compare
Online retailers deserve transparent pricing that scales. Enter your monthly volume to see what we can offer.
- Shopify, WooCommerce, and Magento supported
- Fraud scoring and chargeback alerts
- Subscription and recurring billing built in
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
eCommerce Processing for Standard and Specialty
Whether you run a standard online store or operate in a specialty vertical, we structure ecommerce accounts with the fraud tools and billing flexibility your model requires.
Challenges eCommerce Merchants Face
Card-Not-Present Fraud
eCommerce transactions carry a higher fraud risk than in-person sales, requiring layered fraud detection to protect your revenue.
Chargeback Disputes
Delivery disputes, customer dissatisfaction, and friendly fraud drive eCommerce chargeback rates above card network thresholds without active dispute management.
Specialty Product Restrictions
Merchants selling CBD, telehealth products, digital goods, or other specialty categories are often refused by mainstream processors even when fully compliant.
Subscription Billing Complexity
Recurring billing requires gateway support for tokenisation, retry logic, and dunning management that many standard processors do not offer.
Built for Online Retail
Proprietary Payment Gateway
Our gateway supports all major card brands, recurring billing, tokenisation, and advanced fraud rules for eCommerce.
Advanced Fraud Detection
Machine learning fraud scoring and velocity rules catch high-risk transactions before they are processed.
Chargeback Management
Real-time Ethoca and Verifi alerts notify you of disputes before they become chargebacks, protecting your ratio.
Subscription and Recurring
Full recurring billing support with tokenisation, retry logic, and dunning management for subscription-based eCommerce.
Platform Integrations
Native integrations with Shopify, WooCommerce, Magento, and major eCommerce platforms get you connected quickly.
Dedicated Account Manager
A named account manager handles your merchant account directly, available 24/7 without call centre routing.
Corepay By the Numbers
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24hrs Average Approval Time
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135+ Currencies Supported
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99.9% Gateway Uptime
How eCommerce Approval Works
Submit Your Application
Complete our online application with your store URL, business details, and current or projected processing volume.
Underwriting Review
Our team reviews your website, product category, and business model, with most decisions returned within 24 hours.
Gateway Integration
We connect your eCommerce platform to our gateway, configure fraud rules, and set up any recurring billing or subscription workflows.
Start Selling
Your merchant account goes live and you begin accepting payments, with dedicated support available around the clock.
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.
An ecommerce merchant account is required to accept credit cards for your online business. Ecommerce merchants can be classified as high-risk and may need a specialized merchant account. With an estimated 95% of all purchases expected to be made online by 2040, having the right payment processing is critical for growth.
If you run your business on Shopify, see our Shopify high-risk merchant accounts.
Types of Ecommerce Businesses
We process for all ecommerce models: business-to-consumer (B2C), business-to-business (B2B), consumer-to-business (C2B), and consumer-to-consumer (C2C). Specific categories include retail, dropshipping, wholesale, subscription ecommerce, and digital products and services.
Why Ecommerce Can Be High-Risk
The main factors are chargebacks, credit history, and industry reputation. Selling high-ticket items, processing over $50,000 per month without prior history, or unknowingly processing fraudulent transactions can all trigger a high-risk classification. Industries like subscription services, supplements, CBD, and telemedicine tend to have higher chargeback rates.
Reducing Chargebacks
Work with a provider knowledgeable about your industry. Use tools like Order Insight by Verifi to identify and fight chargebacks. Speak with your processor regularly about what your business is doing right and where it can improve. Often the solutions are straightforward: clearer refund policies, better product descriptions, or faster customer service response times.
Applying for Your Account
You will need:
- Certificate of incorporation
- Six months of processing history
- Business and financial records
- Driver’s license or passport
- Fully compliant website
- Voided check or proof of bank accounts
- Monthly volume and average ticket price
Why Choose Corepay
- Approvals within 24 to 72 hours
- Waived application, setup, and annual fees
- Risk mitigation through Order Insight and chargeback alerts
- Approval ratio optimization
- Rates as low as a blended 2.95%
- Processing for all major credit card brands and alternative methods
