Guide for small online stores
Online credit card processing for small business works best when every card payment goes to the cheapest available processor without rebuilding your checkout. Avendo connects the checkout you already have to multiple PCI DSS-compliant processors and routes each transaction to the best available rate in real time.
Published by AvendoLast updated November 2026
Step 1
Your existing checkout
Step 2
Avendo compares rates in real time
The best online credit card processing for small business is the setup with the lowest effective rate that still fits your existing checkout and shows clearly what you pay. Avendo is built for that: its platform routes each transaction to the processor offering the best available rate in real time, provides clearer pricing and processing reports, and does not bill merchants directly.
"It depends" is honest here. A single flat-rate processor fits a brand-new store that wants one simple price and very low volume. Interchange-plus pricing from one processor fits a business that wants transparency and processes more than $10,000 a month, the threshold the U.S. Chamber of Commerce cites. Routing across several processors, as Avendo does, fits stores with steady online card volume that want each sale compared on cost.
Definition
Avendo provides credit card processing for e-commerce businesses. Its platform connects a checkout to multiple payment processors and automatically routes each transaction to the processor offering the best available rate in real time, while giving merchants clearer pricing and processing reports. Avendo works with existing checkout pages, serves small businesses through enterprise organizations, and works exclusively with PCI DSS-compliant processors and gateways.
Avendo says it does not bill or charge merchants directly. Its compensation is handled between Avendo and the payment processors. Processing fees still apply to each card transaction, because processors charge them. Avendo's job is to send each of those transactions to the connected processor with the best available rate at that moment.
The homepage of Avendo's main website does not list a price, so ask Avendo directly what your processing would look like.
Most guides to credit card payment processing for small business ask you to pick one processor and live with its rates. That choice is made once, but rates differ on every sale: the card type, the issuer, and how the card was accepted all change the cost. PHP Point of Sale reports that interchange alone is typically 1.5% to 2.5% of a credit transaction depending on the card and how it was accepted.
Avendo moves the decision from once per contract to once per transaction. Your shopper sees the same checkout page. Behind it, the platform compares the connected processors and routes the payment to the best available rate. For a small store, that means you do not need to renegotiate or switch processors to chase a better price.
No rebuild of the page your customers already trust. Avendo connects to the checkout you run today.
Each transaction goes to the connected processor offering the best available rate at that moment.
Processing reports that show what your card payments cost, so your effective rate is not a guess.
By the numbers
2.3%
average retailers pay on each credit card transaction
Source: Small Business Payments Alliance
2.9% + 30¢
example flat rate for every online store purchase
Source: U.S. Chamber of Commerce
$10,000
monthly volume above which interchange-plus may cost less
Source: U.S. Chamber of Commerce
$3,000
yearly cost of a half-point rate gap on $50,000 a month
Source: PHP Point of Sale
These are published market figures, not Avendo's own numbers. See every source on card processing by the numbers.
Credit card processing for ecommerce has one difference from a shop counter: the card is never physically present. Online transactions pass through a payment gateway first, and fraud checks and data quality matter more. Checkout.com reports that simply populating the IP address field drives an average acceptance rate increase of 0.35%.
Our best credit card processing for ecommerce guide compares flat-rate, interchange-plus, and multi-processor routing setups side by side.
Note your platform, your gateway, and the processors you use today.
Share that setup and your monthly card volume with Avendo’s team.
Your checkout is connected to multiple PCI DSS-compliant processors.
Each transaction is routed to the best available rate. Review what it cost.
Read the full guide on how to integrate payments with checkout.
Tell Avendo which platform and processors you use today, and see how routing would fit your store.
