E Comm Pay
Checkout, invoicing, payment links, subscriptions, card on file and a virtual terminal — wired to the same merchant account as your counter, so it is one relationship and one deposit.
Ways to take it
Most businesses need two or three of them. Almost nobody needs all six, and anyone selling you all six hasn’t asked how you actually get paid.
01
A cart and checkout on your own site — products, ordering, pickup and delivery windows. Built with the disclosures the card networks require, which most builds skip entirely.
02
Send an invoice, they pay it by card or bank transfer. Track what’s open, what’s late, and what got paid without chasing a paper trail.
03
A link you text or email that opens a payment page. No website required, no card read aloud over the phone.
04
Memberships, retainers, service plans and anything billed on a repeating schedule. Set the plan once and it runs, including the awkward parts.
05
A stored card you charge when the moment comes — not on a schedule. Regulars, house accounts, deposits, no-show fees, the tab somebody left open.
06
Key a card in from any browser when the customer isn’t in front of you. Phone orders, deposits, back-office corrections.
All of it
Whichever of the six you use, they run through the same merchant account as your terminal — so reconciliation is one statement rather than four logins.
The part that gets skipped
Card network rules require specific things on a page that takes payment. Most sites we inherit are missing at least half of them, and it shows up later as chargebacks nobody can win.
Your business name exactly as it will appear on the cardholder’s statement, a real customer service contact, and a physical address. Descriptor mismatches are a top chargeback cause — if your sign says 88th LLC. and the statement says King, INC., the customer doesn’t recognize the charge and disputes it. Use the name on the door.
Full price with currency and taxes before commitment, delivery or fulfillment timing, and your refund and cancellation policy shown before checkout completes — not buried on a policy page. If 88th LLC. sells a $40 gift box, the customer sees the tax, the shipping and the total before they click pay, and sees that returns close at 30 days. A link in the footer to a policy page King, INC. wrote in 2023 is not showing it.
Clear recurring terms, express consent before the first charge, and a straightforward way to cancel. If 88th LLC. sells a $29 monthly plan, the customer agrees to “$29 on the 1st, every month, until you cancel” — not “$29 today” — and can cancel from their own account, not by calling King, INC. between nine and five. Federal and state rules here are in flux; we build to the stricter reading.
We build these elements into every checkout we deliver, using content you supply. The content itself — your refund policy, your delivery promises, your subscription terms — is yours, and so is honoring it. We build the box. 88th LLC. decides what goes in it — the 30 days, the shipping window, the cancellation route — and King, INC. is the one who has to stand behind it when somebody disputes. Rules change after launch, so keeping a checkout current is billable maintenance rather than a lifetime warranty. That’s Section 18(d) of our Terms of Use, in writing.
Worth knowing
Card-not-present transactions carry higher interchange because they carry more fraud risk. That’s set by the card networks, not by us or your provider.
Online and keyed transactions sit in more expensive interchange categories than a chip card tapped at your counter. Any quote that ignores the difference is not describing your real cost.
Sending extra detail with a transaction (Level 2 and Level 3 data) can move it into a cheaper interchange category. It is real, and it is oversold. Three things all have to be true before it reaches you — see below.
Screening and tokenization reduce chargebacks, which is money as surely as rate is. We configure it rather than leaving it at defaults.
The arithmetic
Visa’s published commercial interchange, lowest to highest. The gap between the top and bottom bar is what sending fuller transaction data can be worth.
points between card not present and Level 3 — about $38 on a $4,000 invoice, if all three conditions below are met.
Visa published U.S. interchange reimbursement fees, effective 18 April 2026. The networks revise these roughly twice a year, so treat the figures as current-as-of rather than fixed. Mastercard, Discover and American Express publish their own schedules and they do not match. Restrictions apply.
Condition 01
The card has to be commercialBusiness, corporate, purchasing or government. A consumer card ignores Level 2 and Level 3 data entirely. If your buyers are retail consumers, nothing you send changes the rate.
Condition 02
The data has to actually transmitCollecting a PO number in a checkout field is not the same as sending it in the authorization and settlement messages in the format the network expects. Most plugins collect it and drop it. This is gateway configuration, not a form.
Condition 03
Your pricing has to pass it throughOn interchange-plus, the saving reaches you. On tiered or flat-rate pricing it does not — the transaction qualifies cheaper, the processor pays less, and your rate stays where it was. The saving is real. It is just not yours.
Before anyone configures anything, the question is what share of your volume is commercial cards. If the answer is “almost none,” Level 3 is not your opportunity and we will say so rather than bill you for the setup.
Counter, phone, invoice, website, or all four. We’ll map what you need, wire it to one account, and show you what each channel costs. Restrictions apply.
Map MineThis site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
