Industries
Selling online is priced on a different basis from selling across a counter, and is usually quoted by a different part of the market. It deserves to be its own decision.
Without the card physically present, the fraud risk sits with you rather than the terminal, and the pricing reflects it. If your online rate looks worse than your in-store rate, that is why.
It also means a single blended rate covering both channels is rarely competitive on either. See them quoted separately.
Online acceptance usually involves a gateway presenting the checkout and an acquirer settling the funds. They can be the same company or different ones, and each can charge you.
Merchants regularly pay a standalone gateway fee long after moving to a platform that already includes one. It is one of the more easily recovered costs on an online statement.
Every disputed transaction carries a fee whether or not you win it, and a high dispute rate can affect your pricing or your facility. Ask what a chargeback costs and who handles the response before you need the answer.
Tell us what you trade as and roughly what you turn over on cards. We quote it across the panel and are straight with you about whether it is worth moving.