Industry GuidesNovember 8, 20266 min read
Online Store Payment Processing Fees: What to Check
Online sales are card-not-present, which generally costs more than in-person sales. Here is what shapes the cost and what to check before choosing a setup.
By ONKORE Team
Card-not-present sales
When the card is not physically present, as with online orders, the risk is higher and the cost is generally higher than for in-person sales. See the volume tier table for the markups we show for keyed and online sales.
What to check
- Gateway. Ask whether there is a separate gateway fee and what it covers.
- Checkout setup. Check which shopping carts and platforms the processor supports and how long integration takes.
- Address and security data. Sending address and postal code data with online sales can affect cost and fraud screening.
- Chargebacks. Online sales are more often disputed. Ask about fees and evidence rules. See reducing chargebacks.
- Fraud tools. Ask what screening is included and what costs extra.
- Funding. Ask how quickly funds reach your bank. See our next-day funding guide.
- Contract. Check minimums, term and termination rules.
Reading your statement
Compare in-person and online volume separately. See why did my processing fees go up.
Next step
A free statement review shows where your costs come from. Pricing is subject to approval.
