Accept payments for your online store

Yes, we actively support dropshipping e-commerce. We understand the business model: extended delivery times (2-4 weeks from international suppliers), product variations, and the challenges of customer expectations management. Our underwriting evaluates your supplier relationships, delivery tracking capability, customer service responsiveness, and refund policies. We may apply adjusted rates and reserve requirements for dropshipping versus traditional e-commerce, but we don't decline the model outright. Clear delivery expectations on your store and robust tracking integration significantly improve approval likelihood and reduce chargebacks.

Mainstream processors use automated risk systems designed for predictable transaction patterns. E-commerce frequently triggers these systems: rapid scaling appears as fraud, extended delivery times generate chargebacks before products arrive, and niche products fall outside acceptable categories. PayPal and Stripe prefer freezing funds over understanding your business model. Bridge Pay provides human underwriting that evaluates your actual business (product quality, delivery capability, customer service) rather than relying solely on algorithms. We establish appropriate expectations upfront rather than surprising you with holds after you've built your business.

We accept most legal e-commerce including: general retail, fashion and accessories, electronics and gadgets, home and garden, beauty and cosmetics, health supplements, specialty foods, sporting goods, and various niche categories. We can often accept products that mainstream processors decline due to categorization concerns: supplements, replica goods (where legal), adult-adjacent products, and specialized niches. We evaluate products on legality, quality, and supplier legitimacy rather than applying blanket restrictions. Prohibited categories include weapons, controlled substances, counterfeit goods, and products illegal in your operating jurisdiction.

E-commerce chargebacks (1-2% typical) require robust management infrastructure. Bridge Pay provides: real-time chargeback alerts allowing rapid response, e-commerce-specific dispute templates covering shipping delays, product quality, and delivery issues, integration with Verifi and Ethoca for chargeback prevention, and a dispute kit for complex cases. The kit also lists the practices that reduce chargebacks: accurate product descriptions, realistic delivery estimates, tracking integration, proactive customer communication, and responsive support. For dropshipping specifically, delivery confirmation and customer expectation management are critical for chargeback reduction.

Yes: scaling support is a core Bridge Pay advantage. We establish volume expectations during onboarding and adjust proactively as your business grows. A successful product launch or marketing campaign that multiplies volume 5-10x shouldn't trigger account freezes. If you anticipate significant volume increases (new product launch, Black Friday, marketing campaign), communicate with your account manager and we'll adjust limits accordingly. We evaluate scaling trajectory as part of ongoing account management rather than applying reactive holds that disrupt cash flow during critical growth periods.

We provide native plugins for WooCommerce, Shopify, Magento 2, BigCommerce, PrestaShop, OpenCart, Wix Commerce, and Squarespace Commerce. These plugins enable: seamless checkout within your store, one-click and express payment options, automatic order status updates, and refund processing from your admin panel. Integration typically takes under an hour using our platform-specific guides. For headless commerce, custom builds, or platforms without native plugins, our REST API provides full payment functionality with webhooks for order automation.

Standard e-commerce rates start at 2.9% + €0.55 per transaction: competitive for processors offering high-risk acceptance and chargeback protection. Dropshipping and higher-risk categories may have adjusted rates (typically 3.5% to 4.9%) reflecting elevated chargeback risk. Volume discounts are available for stores processing $50K+ monthly. We don't charge setup fees, monthly minimums, or platform access fees. Rolling reserves may apply for new accounts with limited history, reducing with clean trading. Exact rates depend on your product category, fulfillment model, and business history: we provide transparent quotes during the application process.

Our checkout displays prices in your customer's local currency (based on IP detection or explicit selection) while you receive settlement in your preferred currency (USD, EUR, GBP, etc.). Customers see familiar currency and pricing, reducing cart abandonment for international purchases. We support 30+ currencies with competitive conversion rates (typically 1-2% over interbank rates). You can enable/disable specific currencies and set per-currency pricing overrides if desired. Multi-currency is included in standard pricing: no additional fees for currency conversion or international card processing.

Yes, we support subscription e-commerce including: subscription boxes (monthly product deliveries), membership sites with digital + physical benefits, replenishment subscriptions (auto-ship consumables), and tiered membership programs. Our subscription infrastructure handles: automated recurring billing, failed payment retry and dunning, shipping interval management, pause/resume/cancel functionality, and upgrade/downgrade between plans. Dashboard reporting provides subscription metrics (MRR, churn, LTV). Subscription functionality is included in standard pricing: no additional platform fees for recurring billing capability.