Online stores
Online payments without the flat-rate premium
Card-not-present payments carry the highest rates of all, and flat-rate platforms add their margin on top of that. Your quote shows the wholesale cost and everything on top, line by line, next to what you pay today.
Example
For an online store doing $40k a month paying 3.4% today:
An estimate for a typical card mix, not a promise. Your quote shows the exact figure.
Sound familiar?
What's eating your margin
The highest rates in payments
Flat-rate plans for online payments often land at 3.3% or more once the per-transaction fee is counted.
Chargebacks and fraud
Card-not-present disputes add fees on top of fees, and you need to see each one.
Platform lock-in
Built-in payment options on store platforms come with rates you cannot negotiate.
What you get
Built for e-commerce
Priced from your statement
Online interchange at cost, plus CVV and ZIP checks that keep keyed payments from downgrading.
Secure gateway
Our payment gateway, with tokenization, keeps card data off your servers.
Hosted payment pages
A secure payment page with your name on it, to link from your site, invoices or emails.
Saved cards
Store cards as tokens for repeat customers and subscriptions.
B2B orders
Business buyers on corporate cards? Level 3 data from the order lowers their cost.
One relationship
Sell in-store on Clover and online with one merchant relationship and one portal.
Recommended setup
The hardware e-commerce use most
What switching looks like
What switching to cost-plus looks like
“Most of our sales are small debit tickets, and they were billed like premium credit cards. The new program priced those lowest and showed us every line. Same Clover, same staff, about $600 a month less.”
“Half our customers pay with purchasing cards. Once our invoice lines went with the payment, those cards started costing us about a point less.”
“I was skeptical, because every processor promises savings. They showed me the math on my own statement, line by line. No contract either, so there was nothing to lose.”
Illustrative scenarios based on typical merchant results, not customer reviews. Individual savings depend on volume and current rates.
How it works
From statement to switched in three steps
You spend about 30 minutes. We read the statement, set up the equipment and handle the paperwork.
Apply and upload statements
Apply online and upload recent statements from whoever processes your cards today. Within 24 hours we show you, line by line, what's interchange, what's markup and what's junk.
See your cost-plus quote
Your wholesale cost stays the same. Every other line shows today's price next to ours, in dollars a month, with the card mix behind it. If we can't beat what you pay now, we'll tell you.
Go live and watch it
We set up your card terminals, often the ones you already own. Then every deposit and fee is in your portal, line by line.
FAQ
E-commerce payment questions
Which e-commerce platforms do you support?
Our payment gateway connects to many major platforms through plugins and its API. Tell us your platform and we will confirm the connection.
Why are online rates higher?
Card-not-present payments carry more fraud risk, so interchange is higher. Interchange passes through at cost, and CVV and ZIP checks keep keyed payments from downgrading to an even higher rate.
How long does online setup take?
Most online stores are live within about 3–5 business days, depending on your platform.
Your quote
See all the math. Free, in 24 hours.
Apply online and upload a statement from any processor. We'll show you every line of your bill next to what it would be with Mojo Payments. No contract, no pressure, and if we can't save you money we'll say so.