eCommerce Merchant Account

Reliable Online Payment Processing

Our team helps online retailers accept payments smoothly and affordably. You will work with a dedicated account manager who helps you choose the eCommerce payment solutions that fit your store, platform and growth plans.

We integrate online credit card processing with the shopping cart, CRM and accounting tools you already use - including Shopify, WooCommerce and custom checkouts - no advanced technical skills required. Once you apply, you will complete a short application covering your store and processing volume, and our eCommerce payment processing team finishes setting up your merchant account.

From new online shops and digital sellers to high-volume eCommerce brands, we provide affordable, reliable online credit card processing with the gateway, integrations and fraud tools to convert more checkouts.

What our eCommerce merchant services deliver

Everything you need to accept payments and grow with confidence.

  • Simplified processing
  • Safe, secure transactions
  • Professional account management
  • Instant access to your funds
  • Diverse payment options
  • Easy-to-use payment solutions
Why Choose Karma Card Payments

Built for the way online stores operate

There are many compelling reasons to choose Karma Card Payments for processing online credit card transactions for your store. Here are the key benefits our eCommerce payment solutions offer.

eCommerce Payment Gateway

Our eCommerce payment gateway is designed to maximize conversions. We give you secure, flexible checkout - from one-click and saved cards to digital wallets like Apple Pay and Google Pay - with seamless integration into popular shopping carts and custom sites.

Chargeback Protection

Chargebacks are a real cost of selling online. Beyond lost revenue, excessive chargebacks can raise your rates. We use advanced prevention and alert tools to protect your eCommerce merchant account and help you contest "friendly fraud" disputes.

Fraud Prevention Tools

Fraud prevention is built into every online transaction we process. Our solutions use address verification, CVV checks and intelligent screening to flag suspicious orders before they ship - protecting your online store from costly card-not-present fraud.

Industries We Support

Types of online businesses we support

eCommerce takes many forms. We provide reliable online payment processing for stores, marketplaces and digital sellers of every size.

Online Retail Stores
Shopify & WooCommerce
Digital Products
Marketplaces
Dropshipping
Subscription Boxes
Print on Demand
B2B eCommerce
Mobile Commerce
Direct-to-Consumer Brands
Online Services
Plus many more

Get started today

Share your contact details and a member of our eCommerce payment processing team will schedule a call to build the right online merchant account for your store.

FAQ

eCommerce payment processing - frequently asked questions

Answers to the questions online sellers ask us most about gateways, integrations, fees and getting approved.

How can I accept payments on my online store?

We provide everything you need to take payments online:

Payment gateway: A secure, PCI-compliant gateway that accepts credit cards and digital wallets at checkout.

Shopping-cart integrations: Plug-and-play support for Shopify, WooCommerce, BigCommerce and custom carts.

Recurring billing: Built-in tools for subscriptions and saved-card repeat purchases.

What are the credit card processing fees for eCommerce businesses?

eCommerce processing fees typically range from 2% to 3.5%. Card-not-present online sales carry slightly higher rates than in-store retail because of added fraud exposure.

We offer transparent online pricing with no surprise fees and fraud tools that protect your margins on every order.

What do I need to apply for an eCommerce merchant account?

To speed up approval of your eCommerce merchant account, gather the following before you apply:

  • Government-issued photo ID
  • Signed merchant application
  • Voided check or bank letter
  • Three months of recent bank statements
  • Three months of prior processing statements (if available)
  • Details about your eCommerce business and the products or services you sell

Your website should use an SSL certificate and HTTPS and include your legal business name, contact details, a Privacy Policy, Terms & Conditions, a Refund and Return Policy, and clear pricing so underwriting can approve your account quickly.

Which shopping carts and platforms do you integrate with?

Our gateway integrates with all major platforms, including Shopify, WooCommerce, BigCommerce, Magento and custom checkouts via API. Your dedicated account manager helps you connect your store and start accepting online payments quickly.

How long does eCommerce merchant account approval take?

Most eCommerce merchant accounts are approved within 24-48 hours once we have your completed application and supporting documents. Submitting accurate statements and business details up front is the fastest way to get your account live.