E-commerce processing infrastructure that actually scales.
Online checkout. Recurring billing. Fraud screening. 3DS authentication. Payment APIs. Reyna Pay's processing infrastructure works just as well online as in person, with developer-first APIs and clean PCI scope reduction.
E-commerce processing has unique risk and compliance realities.
Card-not-present transactions carry higher interchange and chargeback risk than retail. PCI compliance scope is harder. Fraud screening is mandatory, not optional. Most processors weren't designed for online merchants and the seams show.
- →PCI scope on your store puts you in audit territory you don't want to be in.
- →Chargeback rates on card-not-present are 3-5x higher than card-present.
- →Recurring subscription billing fails silently when cards expire, you lose customers without knowing.
- →International transactions require 3DS authentication you can't easily wire up.
What e-commerce gets on Reyna Pay.
Real outcomes from online merchants on our processing platform.
E-commerce processing is a different beast.
Card-not-present transactions carry higher interchange and chargeback risk than retail. Our infrastructure handles online payment realities including 3DS authentication, BIN-level fraud screening, recurring billing dunning, and clean PCI scope reduction through tokenization.
Features built for e-commerce.
Hosted checkout and embedded forms
Embed our checkout iframe in your store, or send customers to a hosted checkout page. PCI scope stays minimal because card data never touches your systems.
Recurring billing with smart retry
Subscription products, monthly box services, membership billing, all with retry logic on failed payments and dunning workflows that recover most failed renewals.
Fraud screening
Velocity controls, BIN-level checks, AVS, CVV verification. Configurable thresholds let you tune for your risk tolerance per product or category.
Developer-first API
Full REST API for custom integrations. Webhooks for transaction events. SDKs for major platforms. The API a developer would actually want to use.
How e-commerce actually use Reyna Pay.
Subscription box business
Monthly product subscriptions, auto-renewal, customer self-service pause/resume. Recurring billing handles the renewal cycle without member loss.
Direct-to-consumer brand
Hosted checkout on your storefront, customer pays, you don't touch card data. PCI scope drops dramatically.
SaaS company
Recurring billing for software subscriptions. Smart retry on declines. Customer-facing payment management portal.
Marketplace with split payments
Take payment from buyer, split to multiple sellers, all through the same API integration. Per-seller reporting and 1099 prep at year-end.
International e-commerce
3DS 2.0 authentication for European transactions under PSD2. Multi-currency support. Local payment methods where applicable.
B2B e-commerce
Larger ticket sizes, ACH alongside card payments, net-terms invoicing for fleet customers. B2B-specific billing flows supported.
“We were stuck on a legacy gateway with PCI scope creep and a chargeback nightmare. Reyna Pay's hosted checkout dropped our scope, the smart retry logic recovered 22% of subscription failures we used to lose. Real revenue back on the books.”
For e-commerce, we recommend Reyna Pay Platform.
PCI-compliant, card-network-certified processing platform. Powers SalonTransact, KasseApp, RunMySalon, and our partner network.
Learn more about Reyna Pay PlatformCommon questions for e-commerce.
Direct integrations available for major platforms. Custom integrations supported via API. Most modern e-commerce platforms can integrate via API in a few hours of developer time.
Card-not-present transactions carry higher interchange than card-present. Typical effective rate for e-commerce is 2.7-3.0% all-in. AmEx, international, and high-risk MCCs may differ.
Yes. 3DS 2.0 supported, including frictionless flow when issuer allows. Required for some EU transactions under PSD2 regulations.
Smart retry on a delayed schedule (immediately, 3 days, 7 days, 14 days). Customer receives a polite email asking to update their card. Most failures recover within 7 days.
Yes. Card data tokenizes once on first transaction, you store the token, charge it as many times as needed without re-collecting card data. PCI scope drops dramatically.
Auto-built evidence packs compile transaction data, customer profile, IP and shipping address, fulfillment proof, and customer communication history into the dispute submission. Win rates above 65% on legitimate disputes.
Solutions that power this industry.
Other verticals we serve.
Ready to upgrade your e-commerce payment processing?
Apply in two minutes. Most merchants approved within 24 hours.