Industries · E-Commerce

Card-not-present shouldn’t mean card-not-approved.

Cart checkout, cart abandonment, split digital and physical fulfillment, and closer chargeback-ratio scrutiny than in-person retail. PayWavez underwrites e-commerce businesses individually, so your account is built around how your business actually operates — not a generic template.

Check if my store qualifies — 2 Minute Approval

No sales call required to apply. Free terminal placement for qualifying merchants.

How it works for e-commerce

Built around how e-commerce businesses actually get paid

How you get paid

Your payment pattern

Cart checkout, cart abandonment, split digital and physical fulfillment, and closer chargeback-ratio scrutiny than in-person retail.

What we look for to get you approved

Key approval factors

Your chargeback ratio, fulfillment time, refund/return policy, and shopping cart platform.

Application speed

About two minutes to apply

2-Minute Instant Boarding: Move through identity verification and start accepting payments in as little as two minutes.

How self-signup works

From application to accepting payments

Application

Tell us about your e-commerce business — structure, estimated volume, and contact info. Takes about two minutes.

Underwriting Review

We review your business against the specific factors that matter for e-commerce — not a generic checklist.

Approval & Setup

Once approved, your dedicated Merchant ID is issued and your terminal or gateway is configured and ready to take payments.

Have this ready

Documents to have on hand before you apply

Having these ready up front is the single biggest thing you can do to speed up underwriting review.

A working store URL with a live checkout
Your shipping and return policy page
3 months of statements

Locally owned and based in Gulf Shores, Alabama — PayWavez works one-on-one with e-commerce merchants instead of routing you through a call center.

Common questions

Frequently asked questions

How fast is approval?

2-Minute Instant Boarding: Move through identity verification and start accepting payments in as little as two minutes.

My chargeback ratio ticked up from platform-wide fraud, not my own product.

Underwriting looks at context, not just the raw ratio — a documented spike tied to a known platform-wide fraud pattern reads very differently than chargebacks tied to product or fulfillment issues. Bring the details and it factors into the review.

Do you surcharge debit cards?

No. Debit is never surcharged. Debit transactions still carry normal processing cost like any other card, but a surcharge is never applied to them.

What is this actually going to cost me?

You get the real quoted rate and the monthly account fee in writing before you sign anything, with interchange and card brand fees shown as their own pass-through line. If a number on your statement is not something we control, we say so rather than folding it into a headline rate.

Do I have to cancel my current processor first?

No. You stay on your current setup until the PayWavez account is live and tested. Nothing about your ability to take payments changes during the switch.

When do funds hit my bank account?

Next-day funding is available on standard accounts, subject to your batch cutoff time and your bank's posting schedule. We will tell you the cutoff that applies to your account so you can plan around it.

Is there a long-term contract or early termination fee?

The term and any termination terms are stated in the agreement you sign, and we walk through them with you before signature. If a hardware program carries a term, that is disclosed at the same time.

What happens if my terminal fails during business hours?

You get a named point of contact rather than a general queue, and replacement hardware ships before the failed unit is sent back so you are not closing the register while you wait.

Check if my store qualifies

Apply online in about two minutes. No sales call, no obligation.

Apply Now

See every industry PayWavez supports on the Industries directory, including our High-Risk Specialists pages.