Website Checkout
Accept payments directly through your website or online store. Connect platforms such as Shopify, WooCommerce and BigCommerce, or add secure checkout to a custom site.
Best when the customer is already buying online.
Online Payments
Get paid even when
Get paid even when
You're not there.
Take payments through your website, by invoice or with a simple payment link. Customers can pay from wherever they are, and you get a setup built around how your business already works.
Three Ways to Get Paid
Pick the way
Pick the way
Your customers pay.
Sell through a website, send an invoice or share a payment link. Use the option that matches how the sale already happens.
Invoices
Send an invoice by email or text and let the customer pay from their phone or computer. You get notified when the payment is completed.
Best for services, larger tickets and work billed after the sale.
Payment Links
Create a link or QR code for a deposit, event, class, booking or one-time payment without building a full online store or invoicing workflow.
Best when you need a simple way to collect a specific payment.
Beyond the Rate
A good rate won't fix
A good rate won't fix
A bad payment flow.
Online payments have more moving parts than the percentage on the statement. Fraud controls, dispute records, retry logic and reporting all affect what gets approved, recovered, defended and reconciled.
Fraud Controls That Fit the Business
Address and CVV checks can help identify suspicious transactions without unnecessarily blocking good customers. The right settings depend on what you sell, how customers pay and the tools available in your setup.
Evidence Ready Before a Dispute
Order details, delivery confirmation and customer communication are much easier to use when they are captured at the time of the sale. What matters most depends on the transaction and dispute reason.
A Plan for Failed Recurring Payments
Recurring payments fail for ordinary reasons. When the platform supports retry logic or account updating, the right setup can help recover some payments without creating unnecessary attempts.
Reporting You Can Actually Reconcile
Transactions, deposits and fees should be easy to trace. When online and in-person payments can share reporting, we use it. When they cannot, we show you where each one lives and how the numbers connect.
The rate matters. So does everything that happens after the customer clicks pay.
Online Payments FAQ
Before you take payments online,
Before you take payments online,
Get these answers.
Platforms, pricing, chargebacks and reporting all work a little differently online. Here is what to understand before you connect checkout or start sending payment links.
Which ecommerce platforms can Phase 3 work with?
We can support platforms such as Shopify, WooCommerce and BigCommerce, along with hosted checkout and custom website integrations. The exact connection depends on the processor, gateway and platform, so we confirm compatibility before recommending a setup.
Why can online payments cost more than in-person payments?
Online transactions are card not present, which can carry different interchange, network and fraud costs than a card used in person. Your actual price still depends on the processor, pricing model, card mix and checkout setup. We compare the full cost rather than assuming online will always be more expensive.
Can dual pricing or surcharge work online?
Sometimes. The answer depends on the pricing program, processor, checkout technology, card network requirements and applicable state law. Online disclosure also has to match the approved program. We confirm the setup before anything goes live.
What happens if an online payment is disputed?
The customer can still file a chargeback. We help you understand the reason code, response deadline and supporting documents being requested. Order records, delivery information and customer communication can matter, but the issuing bank makes the final decision.
Can Phase 3 handle both my online and in-person payments?
Yes, depending on the systems involved. When the platforms can share processing or reporting, we connect them that way. When they cannot, we show you how the transactions, deposits and reports fit together so your team knows where everything lives.
Phase 3 Digital
Need the website too?
Need the website too?
We can handle that.
You do not need a Phase 3 website to use Phase 3 online payments. But if the website needs work too, Phase 3 Digital can write it, design it, host it, secure it and keep it current.
Use Digital on its own or pay less when you process with Phase 3. Search and advertising are optional.
With Phase 3 processing
$99
/month
$199 a month without Phase 3 processing.
- Copy and design for your business
- Hosting, SSL and Cloudflare included
- Forms, click to call, maps and analytics
- Technical SEO and schema
- Ongoing updates and support by email
No setup fee. Month to month. You own your domain, logo and photos.