E-Commerce Payment Infrastructure
Smarter payment infrastructure for online business: reduce costs, improve approvals, get real support.
“Cart abandonment is the silent killer of e-commerce. Generic processors don't understand your stack, can't explain your effective rate, and disappear when you need help. Entry-level platforms cap your growth right when you're hitting your stride.”
How FinTech 5 solves it.
At FinTech 5, we help e-commerce businesses streamline how they accept payments: reducing costs, improving approvals, and giving you access to real support when it matters. We work with industry-leading processing partners to offer flexible, secure, and scalable solutions tailored to how you sell online. Whether you're just starting out or processing millions monthly, we build a payment setup that works behind the scenes to support your growth.
Our consulting is funded by our processor partners. You pay nothing for our analysis, negotiation, or ongoing support.
Three steps to better rates.
From statement to savings, with zero disruption and zero cost to you.
Share your statement
Upload your most recent processing statement. We analyze every line item: interchange, processor markups, monthly minimums, and every fee in between.
We run a competitive bid
Your profile goes to 10+ tier-1 processors simultaneously in a blind bid. They compete. You don't negotiate; we do.
Choose and lock in savings
We present the winning offer with full transparency on every rate component. You decide. New rates are live within 5–10 business days.
Built for any business that takes payments seriously.
Whether you're a single-location operator or a multi-site enterprise, the same hidden fees are draining your margin. We fix that, at any scale, with zero upfront cost.
Why is my e-commerce processing rate higher than a retail store's?+
Online orders are card-not-present transactions, which carry higher interchange than in-person swipes because the network can't verify the physical card — that's a network-wide rate, not something any processor controls.
Does switching processors mean rebuilding my checkout?+
Not usually. We integrate with your existing platform — BigCommerce, WooCommerce, Magento, or a custom stack — through a hosted page, embedded widget, or API, whichever fits what you already have.
What happens to my recurring or subscription billing during a switch?+
We migrate subscription and card-on-file data as part of onboarding, so recurring charges keep running without your customers re-entering payment info.
How does fraud protection affect my approval rates?+
Real-time risk scoring flags likely fraud without blocking legitimate orders — the balance a lot of generic processors get wrong. Too aggressive and you lose real sales; too lax and chargebacks pile up.
Adjacent verticals we serve.
See what you could save.
Free analysis. Often 15 minutes.
Upload your merchant statement and get a line-by-line audit with competitive bids from 10+ processors. No consulting fees. Ever.
Free. No obligation. No high-pressure sales calls.