Online stores & subscriptions
Ecommerce processing is a different beast — card-not-present rates, fraud risk, subscription churn, account-updater needs, and chargeback exposure. The wrong gateway is leaking transactions you don't even know about. Xray builds ecommerce accounts with the gateways merchants pick when they have a choice: NMI, Authorize.Net, and the XRay Gateway.
Why generic processing fails Ecommerce.
Cart abandonment at checkout
Slow gateway response, declined card with no explanation, no Apple Pay button. You lose 30% at the gate.
Fraud chargebacks killing your account
Three chargebacks in a quarter and the processor freezes your funds.
Subscription churn from expired cards
15% of your "active" subscribers have expired cards on file. They're not paying. You don't know.
No interchange optimization
B2B Level 2/3 data, AVS, CVV — the gateway either passes it or it doesn't. Most don't.
What Xray actually configures for Ecommerce.
Optimized checkout — fewer abandons
Sub-200ms gateway response, Apple Pay / Google Pay buttons, address autocomplete. Cart-to-conversion lifts 8-12%.
Layered fraud protection
AVS + CVV + 3D Secure 2 + device fingerprinting + velocity rules. Chargeback rate drops to <0.5%.
Account Updater for expired cards
Visa/MC/Discover/AMEX networks notify the gateway when a customer's card is reissued — auto-updates the card on file. Recovers 60-80% of expired-card declines.
Level 2/3 data on commercial cards
B2B ecommerce gets the lowest interchange tier by passing line-item data with every transaction.
Programs we run
Configured on your account before activation.
- NMI gateway — flagship for high-volume
- Authorize.Net — most-used gateway, deep integrations
- XRay Gateway — our white-label, lowest cost
- Recurring billing with smart-retry and account-updater
- Customer Vault — tokenize cards for repeat purchase
- 3D Secure 2 for fraud reduction
Software & integrations
Bidirectional, real-time wherever supported.
- Shopify (native gateway plugin)
- WooCommerce, Magento
- BigCommerce
- PrestaShop, OpenCart
- Wix, Squarespace
- Custom integrations via REST API and SDKs (6 languages)
Features tuned for Ecommerce.
What it looks like on a Tuesday.
A subscription box doing 8,000 customers/month: at month-end, the gateway runs all 8,000 recurring charges. 6,800 succeed first try. Of the 1,200 declines, Account Updater silently fixes 870 (cards reissued by the bank). Smart-retry runs 3 attempts over 7 days on the remaining 330. Final recovery: 7,940 of 8,000 paid. Lifetime value math gets shifted in your favor by 18%.
Why generic processors fall short.
Generic processors give you Stripe (3% + $0.30 forever, with no negotiation) or PayPal Pro (similar, with worse settlement). They don't support Account Updater, don't pass Level 2/3 data, and leave you exposed on chargebacks. The wrong gateway costs you 5-15% of revenue annually in declines and chargebacks.
The actual math.
A $1.5M ecommerce store on Stripe pays roughly $44,000/year (3% effective). Moving to NMI at interchange-plus + account updater + 3DS2 typically takes that to $32,000 — saving $12K and reducing chargebacks 60%.
Ecommerce questions, straight answers.
Which gateway should I use?
For volume under $50K/month: XRay Gateway (lowest cost). For deep ecosystem integration: Authorize.Net. For high-volume subscription: NMI. We'll recommend based on your stack.
Will this work with Shopify?
Yes — all three gateways have native Shopify plugins. We install during onboarding.
How does Account Updater work?
The card networks (Visa/MC/Discover/AMEX) notify the gateway when a customer's card is reissued. The gateway auto-updates the stored card on file before the next charge.
What's my chargeback exposure?
With layered fraud protection (3DS2 + AVS + CVV + velocity), most ecommerce merchants run <0.5% chargeback. We monitor and alert before you hit the danger zone.
