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Merchant Types - eCommerceLower the cost of every online sale - with integrations for the carts and gateways you already use.
AdvoCharge integrates with most major shopping carts and payment gateways, so you can move to interchange-plus pricing without rebuilding your checkout. You keep the storefront your customers already know - we change the economics behind it.
A preferred-partner relationship with dozens of gateways. We are sure to find one that meets your needs.
Transparent pass-through pricing on every online transaction - no tiered markups quietly inflating your effective rate.
Currency conversion lets you accept payments from international customers without friction at checkout.
Choose the structure that fits your store.
Short answers to the questions online store owners ask most often about switching from flat-rate processing.
The usual breakeven is roughly $5,000 to $10,000 a month in card volume - below that, flat-rate simplicity often wins. Above roughly $15,000 a month, a dedicated merchant account on interchange-plus pricing typically saves four figures a year. These are industry rules of thumb; your actual number depends on your card mix, which is exactly what a free statement review shows.
Industry comparisons typically show 0.4 to 0.8 percent off the effective rate versus flat-rate processing - approximately $400 or more per month for a store doing $60,000 monthly. Treat those as estimates: the honest answer comes from reading your actual statement, which we do for free and put in writing.
Done properly, no. The change is at the gateway and merchant-account layer - your storefront, checkout flow and customer experience stay put. There is a testing window before cutover, and the old account stays live until the new one is verified. Most stores switch without a minute of downtime.
It depends on the platform, and we will tell you honestly before you commit. Open carts like WooCommerce support third-party gateways such as Authorize.net cleanly. Some hosted platforms restrict outside processors or charge penalty fees for using them - if yours does, we will do that math with you rather than pretend the fee away.
Online transactions carry higher fraud exposure than in-person swipes, which is priced into interchange. The gateway tools that protect you - AVS matching, CVV verification, velocity limits - also help your transactions qualify for better interchange categories. We configure these at setup and review chargeback activity with you, not just hand you a login.
"They read our statement, found the markup our last processor buried, and switched us with zero downtime. The savings were exactly what they promised."
"The Advo100 program took our processing fees to zero. Setup was simple and our customers barely noticed the change."
"Switching to AdvoCharge was painless and our monthly statement finally makes sense. We are keeping more of every arrangement we sell."
"AdvoCharge understood our billing before we finished explaining it. Advo20 cut our processing costs and the support has been steady ever since."
"One agreement covered every location, and the combined-volume pricing beat anything a single store could reach. Onboarding a new site is now effortless."
"We were overpaying for years and never knew it. AdvoCharge showed us exactly where, in plain language, and the switch paid for itself in the first month."
"Their interchange-plus pricing held up under our finance team's review. No padded tiers, no surprises - just a transparent statement every month."
"Honest, straightforward, and they explain everything on one page. For our members it has been a genuinely better deal."
Plain-language articles from the AdvoCharge team on what processing actually costs and how to pay less of it.
When an online sale travels from the checkout button to your bank account it passes through a gateway, a processor and a merchant account - sometimes bundled by one company, sometimes not. Knowing which is which is the difference between shopping your costs and being shopped to.
Read the full article ›A chargeback costs more than the refund: the product is gone, a fee lands on top, and too many of them threatens the merchant account itself. The prevention basics that actually move the number, the response process when one arrives, and the honest math on which disputes to fight.
Read the full article ›Flat-rate processors earn their convenience early, when volume is small and simplicity is worth paying for. For an established store doing steady monthly volume, the same flat rate quietly becomes one of the larger controllable costs in the business. Here is how to run the comparison on your own numbers.
Read the full article ›Send us a recent processing statement. We will analyze it and report back in plain language - what you pay now, and what you would pay with AdvoCharge.
Get a free statement review
