Payments

Taking money online and moving it around.

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Coverage before rate

The lowest fee is worthless if the provider does not support your country, your currency or the way your customers pay. Local methods decide conversion in most markets outside card-first countries.

The real cost

Percentage plus fixed fee, currency conversion, chargeback fees, payout fees and a monthly minimum. Model the blended rate on your actual order mix.

Who is the merchant

A gateway leaves you as the seller with the tax and compliance work. A merchant of record takes it on and charges more. That choice matters more than a few basis points.

Payouts and holds

When money arrives, what triggers a reserve, and how disputes are handled. Cash-flow surprises here hurt more than the fee.

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