Online payments

Seller details visible on the site, terms of sale explaining the 14-day right of withdrawal, a returns and complaints policy, a GDPR-compliant privacy notice and prices shown including VAT. Gaps in the terms are the most common reason vetting drags on for weeks, so we review them before the application goes in.

One is plenty for most shops. We add a second when turnover is high enough that an hour of gateway downtime costs real money, or when you need a method your main provider lacks. The buyer still sees a single list of methods, and the shop decides which provider processes the payment.

Usually not: in the buy-now-pay-later model the provider pays the shop the order value and takes on the repayment risk, but the details and fees are set by your contract with the provider. It is worth comparing its cost with other methods and checking whether bigger baskets cover it.

The settlement model depends on the provider and your contract. Often payouts arrive with charges already deducted and the provider invoices those fees. The integration splits every payout into orders and separates out the costs, while your bookkeeper decides which accounts they go to. The customer balance then clears at the full order value.