E-commerce payment processing
Gateways, virtual terminals, invoices, and recurring billing—chosen for how you get paid online.
Card-not-present payments need clearer controls than a counter swipe: how checkout is hosted, how phone orders are keyed, how invoices are sent, and who owns disputes when something comes back. The goal is a setup you can explain—and support when deposits or chargebacks need a person.
What to clarify before you pick online tools
- Where checkout lives — your site, a hosted page, marketplace, or a mix?
- How orders arrive — website only, phone/mail keyed entry, invoices, subscriptions?
- Platform constraints — which cart or site builder you already run, and what it can connect to.
- Card data handling — keep card data off your servers where possible (hosted fields / hosted checkout).
- Fraud controls — AVS, CVV, velocity limits, and who reviews declines vs. true fraud.
- Disputes and deposits — who on your team owns chargebacks and missing deposits?
We do not invent gateway partnerships on this page. Capabilities below reflect tools Swiped already describes for merchants—confirm availability and pricing for your account.
Card-not-present building blocks
Use this as a map of options—not a promise that every merchant needs every item.
Payment gateways
Swiped Unlimited Payment Gateway, and Authorize.net accounts we set up when that is the right fit for your stack.
Hosted checkout
A secure checkout page so card data stays off your own servers when that is the design goal.
Payment links
Send a link by email, text, or QR. Apple Pay may be available on payment links depending on setup—confirm for your account.
Virtual terminal
Key phone and mail orders from a browser instead of writing numbers on paper.
Recurring and invoice billing
Bill on a schedule for memberships or retainers, or send an invoice the customer can pay online. See also invoicing.
Card on file
Tokenization stores cards for repeat checkout when your use case supports it—ask how tokens are stored and who can charge them.
Pay on your existing site
A payment link or form added to the site you already run—confirm what your platform allows.
ACH alongside cards
Bank payments where appropriate for ticket size and customer type. Rules and returns differ from cards—plan for that.
Reporting
Transactions, batches, refunds, and deposits in one place your bookkeeper can use.
Reduce card-testing noise—without pretending risk is zero
Online forms attract people testing stolen cards. Controls help; they do not eliminate fraud. Typical setup conversations include:
- Address verification (AVS)
- Requiring CVV where appropriate
- IP or velocity restrictions when the platform supports them
- Chargeback handling through Swiped Concierge so dispute notices have an owner
No control set guarantees approval rates or zero chargebacks. Tune rules to your goods, ticket size, and false-decline tolerance.
Online sellers still need a reachable team
Deposit questions and disputes do not only happen during a call-center window that works for someone else. Swiped is a Monmouth Beach team that knows the account and picks up the phone.
We will give a straight read on pricing and setup—including when staying with your current processor is the better move.
Plan the online payment setup that fits your stack
Tell us your site or cart, how orders arrive, and whether you need invoices, subscriptions, or keyed entry. We will map tools and questions—not invent a universal stack.
1.844.510.5600
Headquartered in Monmouth Beach, NJ
Statements for cost. A call for architecture.
Send recent statements if processing cost is the question. Book 30 minutes if you need to map gateway, virtual terminal, and invoicing to how you sell.
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