Your Store Needs a
Processor That
Won't Quit on You
Frozen funds. Surprise shutdowns. Reserve holds. If you're running a high-risk ecommerce store, you've probably been through it. We build merchant accounts that stay live.
Get Approved in 24 Hours
Quick setup. No obligation. Start processing fast.
Why Ecommerce Stores Get Shut Down
Standard processors treat every online store like it's a ticking time bomb. Here's why your ecommerce business keeps getting flagged.
Card-Not-Present Risk
Every online transaction is CNP by default. This automatically puts you in a higher risk tier with banks compared to brick-and-mortar retailers.
High Return & Refund Rates
Ecommerce return rates average 20-30%. Each return is a potential chargeback if your refund process isn't fast enough for impatient customers.
Shipping Disputes
Lost packages, delayed deliveries, and "item not received" claims drive chargebacks that standard processors don't know how to defend.
Cross-Border Fraud
International orders carry higher fraud rates. Generic processors auto-decline international cards, costing you legitimate sales.
Volume Spikes
Black Friday, product launches, viral moments — sudden volume increases trigger security reviews that freeze your funds when you need them most.
Product Category Restrictions
Supplements, electronics, luxury goods, and other categories face automatic blocks from Stripe, Square, and PayPal regardless of your track record.
Processing Built for Online Sellers
Every feature designed around how ecommerce actually works.
Advanced Fraud Prevention
Real-time transaction scoring, device fingerprinting, velocity checks, 3D Secure, and custom rule engines. Block fraud without blocking legitimate sales.
- AI-powered fraud scoring
- 3D Secure authentication
- Custom rule engine
100+ Platform Integrations
Plug-and-play with Shopify, WooCommerce, Magento, BigCommerce, and more. Full API for custom builds. Be live on your store in minutes, not weeks.
- Shopify, Woo, Magento, BigC
- Developer-friendly API
- Same-day integration
Global Multi-Currency
Accept payments in 150+ currencies. Dynamic currency conversion shows customers prices in their local currency, increasing conversion rates on international orders.
- 150+ currencies
- Dynamic currency conversion
- Global acquiring network
Ecommerce-Specialized Support
Your account manager knows ecommerce inside and out. Get proactive guidance on managing chargebacks, optimizing approvals, and scaling volume safely.
- Ecommerce-expert team
- Proactive chargeback monitoring
- Direct access — no ticket queues
Every Type of Online Store
If you sell online, we have a processing solution for you.
Live in 3 Steps
From application to processing your first order.
Apply Online
Fill out our quick application with your store details. We'll match you with the right banking partner for your product category and volume.
Fast Underwriting
Our team fast-tracks your application through underwriting. We know what banks look for with ecommerce merchants and position your account for approval.
Connect & Sell
Install our integration on Shopify, WooCommerce, or your platform of choice. Start processing orders immediately — same day as approval.
Trusted by Online Sellers
“Shopify Payments shut us down with $80K in reserves. Adaptiv had us back online in 36 hours. We've processed over $2M with zero issues since.”
“Black Friday used to be terrifying — our old processor would freeze funds every year. With Adaptiv, we processed 3x our normal volume without a single hold.”
“The fraud prevention tools alone saved us $50K+ in chargebacks last year. Plus our international approval rate jumped from 60% to 89%.”
Common Questions
Ecommerce businesses face elevated chargeback rates due to card-not-present transactions, shipping disputes, and fraud. Banks also view high return rates, international sales, and certain product categories as risk factors that standard processors aren't equipped to handle.
We support all ecommerce models — dropshipping, subscription boxes, digital products, marketplaces, direct-to-consumer brands, wholesale B2B, and specialty retailers. If you sell online, we can process your payments.
This is one of the most common reasons ecommerce businesses come to us. We specialize in merchants who've been shut down or declined by standard processors. Our banking partners are built for higher-risk ecommerce verticals.
Most ecommerce accounts are approved within 24-48 hours. We offer plug-and-play integrations for Shopify, WooCommerce, Magento, BigCommerce, and other major platforms — you can be live the same day you're approved.
Rates depend on your product category, volume, chargeback history, and business model. We offer competitive, transparent pricing with no hidden fees. Contact us for a rate customized to your store.
Yes. We process in 150+ currencies and support cross-border transactions globally. This is essential for ecommerce businesses selling to international customers, and we handle the currency conversion and compliance.
Our fraud suite includes real-time transaction scoring, velocity checks, AVS/CVV verification, 3D Secure authentication, device fingerprinting, and customizable rule engines. These tools dramatically reduce fraud while keeping legitimate transactions flowing.
Stop Losing Sales to
Payment Problems
Join 2,000+ ecommerce businesses that trust Adaptiv for stable, high-risk payment processing. Approved in 24-48 hours. Integrated in minutes.