ONLINE PAYMENT GATEWAYS

Don’t leave the e-commerce business to the big box stores. Retailers large and small are accepting payment online as a way to alleviate friction. Allow customers to checkout and pay for their purchase immediately without unnecessary follow-up!

Below is a little direction to help you get started, along with a list of our standard gateways.

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Why You Need a Payment Gateway Today

EASE

Make it easy above all else. That goes for you and the customer; payment gateways can be set up in less than a day, and maintaining it demands minimal effort on your end. Additionally, most consumers have already interacted with payment gateways previously, so you don’t need to worry about a difficult-to-use interface.

EXPERIENCE

By catering to the preferences of your customers, you end up increasing their satisfaction, and in turn your conversion rates. A survey conducted by YouGov found that about 50% of online shoppers said that they would abandon their checkout process if their preferred payment method wasn’t available. That’s a major missed opportunity!

ENFORCEMENT

A payment gateway provider ensures that payment processing is secure and reduces the frequency (as well as the severity) of credit card frauds. With the help of SSL certificates and PCI compliance, our websites are fully set up to assist you with e-commerce security. Check out additional tips on how to prevent online fraud below.

Our Standard Payment Gateways

Not sure which payment gateway to go with? Click through the options below to learn more about each gateway and to see which one works best for your business.

ACCEPT PAYMENTS ONLINE TODAY

10 Tips for Preventing Online Credit Card Fraud

Be wary of expedited shipping when billing and shipping addresses differ.
Make sure IP location and credit card address match up.
Watch out for suspicious email accounts.
Do some research on that suspect address.
Keep a log of credit card numbers.
Consider using a fraud profiling service.
Restrict the number of declined transactions.
Always require the Security Code.
Ship your orders using tracking numbers and require signatures.
Strengthen your website security measures.

READ MORE

Not sure which payment gateway is right for your website or have another you’d like to suggest? Fill out the form below, or contact us today.

Standard Payment Gateways

AVB Trusted Transact - Preferred Solution
How To Get Started:
- CLICK HERE to sign up for Trusted Transact.
- Fill out and submit application. Specific personal and business details are required.
Monthly Fee:

Payment Gateway Only – $10.00 Monthly
Merchant Processing + Gateway – $20.00 Monthly

Discount Rate:

Payment Gateway Only – $0.08/Transaction
Merchant Processing + Gateway – Interchange + 0.1% + $0.10/Transaction

What Does AVBM Need From You To Integrate:
- Public Security Key
- Private Security Key
- Choice of Payment Action
  - Authorize Only
  - Authorize & Capture
Mor Information on Trusted Transact:

CLICK HERE FOR MORE INFORMATION
Amazon Pay
How To Get Started:
- CLICK HERE to sign up for Amazon Pay
- Amazon Pay account will be created and is linked to the Amazon Seller Central site, which manages the gateway
Monthly Fee:

$0.00

Discount Rate:

2.9% + $0.30/Transaction

What Does AVBM Need From You To Integrate:
- FOLLOW THE STEPS FOUND HERE to provide the following files:
  - PEM File
  - JSON File
Fraud Protection Specifics:

CLICK HERE FOR MORE INFORMATION

Payment Protection Guidelines:

We will not hold you liable for a Chargeback if you and the transaction meet all the following requirements: (a) the transaction is for the sale of physical goods (e.g., books, DVDs, etc.) and does not include intangible goods (e.g., services, digital content, donations, or cash equivalents or stored value instruments such as gift cards), (b) the Chargeback (whether for transactions involving Cards or reversals on bank account transfers) is disputed and classified by the applicable Network or Card issuer as “Unauthorized Payment” and not any other way (e.g., “significantly not as described,” “merchandise is defective,” or “non-receipt of merchandise”), (c) you provide all requested information within the time limit specified by us, including without limitation evidence that the applicable transaction was authorized and valid proof of delivery to the address provided by Amazon for the applicable transaction, and (d) you have not violated the terms of this Agreement.
Authorize.net
How To Get Started:
- CLICK HERE to sign up for Authorize.net
- Sign up under one of the options. We recommend the “Recommended: All-in-One Option” section
- Fill out and submit application. Specific personal and business details are required
- Account is created and in TEST MODE, but you can navigate the account settings. Switch to LIVE MODE when ready.
Monthly Fee:

$25.00

Discount Rate:

2.9% + $0.30/Transaction

What Does AVBM Need From You To Integrate:
- Email associated with the account
- API Login ID
- Transaction Key
Fraud Protection Specifics:

CLICK HERE FOR MORE INFORMATION

Payment Protection Guidelines:

13 configurable fraud filters designed specifically to identify, manage and prevent costly fraudulent transactions. Questions? Call 1-888-323-4289
Card Knox
How To Get Started:
- CLICK HERE to sign up for Card Knox
What Does AVBM Need From You To Integrate:
- Email address on CardKnox account
- API Login ID (First half of CardKnox Key)
- Transaction Key (Second half of CardKnox key)
Heartland
How To Get Started:
- CLICK HERE to sign up for Heartland Payment Systems
- Once signed up, your Heartland representative will add credentials to our developer account under: itvendors@avb.net. You, the member, will need to initiate this conversation with Heartland to get the credentials created for the integration.
What Does AVBM Need From You To Integrate:
- Public API Key
- Secret API Key
HieCOR
How To Get Started:

TBD

Monthly Fee:

No Monthly Fee

Discount Rate:

2.45% + $0.10/Transaction

What Does AVBM Need From You To Integrate:
- Email associated with your HeiCOR merchant account
- HieCOR Store ID
- API Login User ID
- API Login ICS ID
Fraud Protection Specifics:

Fraudulent purchases mean payment disputes, which can result in your business losing money. HieCOR uses tools to research payments from across our transaction history, and adjusts our algorithms to account for new trends in fraud.
- Our systems monitor payments to look out for suspicious transactions.
- Machine learning and human expertise work hand in hand to update and adapt our technology to the continually shifting fraud landscape.
- Our team of fraud experts reach out to you if we notice anything unusual.
We even manage your disputes for you, without a fee – unlike most payment processors. We also do the time-consuming, stressful work of dealing with your customer’s bank for you.
- We’re experts in disputes. We’ll let you know what you need to do for the best chance at winning your dispute.
- Let us deal with the bank so you don’t have to spend hours on the phone.
- Our team of dispute agents is ready to answer your questions.
- Submit documentation and keep track of active disputes on your Disputes Dashboard.
Moneris [Mega + BrandSource Canada]
PayPal Business
How to Get Started:
- CLICK HERE to sign up for PayPal Business
- Sign up and fill out application. Specific personal and business details are required
- After submitting, the business account is created
Monthly Fee:

$0.00

Discount Rate:

2.9% + $0.30/Transaction

What Does AVBM Need From You To Integrate:
- Email associated with the account
Fraud Protection Specifics:

CLICK HERE FOR MORE INFORMATION

Payment Protection Guidelines:

To be eligible for PayPal Seller Protection, you must meet all of the following requirements. The primary address for your PayPal account must be in the United States. The item must be a physical, tangible good that can be shipped. You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. You must respond to PayPal’s requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Center. If you do not respond to PayPal’s request for documentation and other information in the time requested, you may not be eligible for Seller Protection. If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment.
PayPal Payments Pro
How to Get Started:
- CLICK HERE to sign up for PayPal Payments Pro
- Click Get Started Today
- Click Apply Online
- Enter your email address and click Get Started
- Login to your PayPal account
- Enter your details and follow the prompted steps to complete your application
- PayPal will email you in approximately 48 hours with your application status
Monthly Fee:

$30.00

Discount Rate:

2.9% + $0.30/Transaction

What Does AVBM Need From You To Get Started:
- Email associated with the account
- API Username
- API Password
- API Signature
Fraud Protection Specifics:

CLICK HERE FOR MORE INFORMATION

Payment Protection Guidelines:

To be eligible for PayPal Seller Protection, you must meet all of the following requirements. The primary address for your PayPal account must be in the United States. The item must be a physical, tangible good that can be shipped. You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. You must respond to PayPal’s requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Center. If you do not respond to PayPal’s request for documentation and other information in the time requested, you may not be eligible for Seller Protection. If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment.

Apply & Buy Payment Gateways

AVB TD Complete Apply & Buy
How To Get Started:
- Sign up as a merchant with TD Bank at https://enroll.tdcomplete.com/avb#/ to get signed up with AVB TD Complete Financing
- Once you have a merchant number and are set up with TD Bank, fill out this request form here: https://avbsupport.atlassian.net/servicedesk/customer/portal/1/create/272
Monthly Fee:

$00.00

Discount Rate:

Variable

What Does AVBM Need From You To Integrate:
- Available for members who have AVB TD Complete Financing
- We will need your merchant number from TD Bank
- Once you submit the online request form above and provide your TD Bank merchant number, there is a window of time our team will need for setup.
BrandSource Citi Card Apply & Buy
How to Get Started:

Contact your Account Executive or send an email to memberrelations@brandsource.com to get signed up with Citi BrandSource Financing.

Monthly Fee:

$0.00

Discount Rate:

Variable

What Does AVBM Need From You to Integrate:
- Available for members who have Citi BrandSource financing
- We will need the following production credentials from Citibank:
  - Payment Store ID
  - Payment Terminal ID
  - Payment Client Authentication Key
- - Credit Apply and Buy Store ID
  - Credit Apply and Buy Terminal ID
  - Credit Apply and Buy Client Authentication Key
- Once our team receives the above credentials, there is a window of time our team will need for setup
Fraud Protection Specifics:

CLICK HERE FOR MORE INFORMATION

Payment Protection Guidelines:

Dealer is not obligated to accept an Account or Card for purchases made via phone, fax, Dealer’s Internet website, Dealer’s catalog or other means where the customer is not then physically present. (The prior sentence shall control over anything inconsistent in the Merchant Services Agreement.). If Dealer accepts an Account or Card for purchases made via phone, fax, Dealer’s Internet website, Dealer’s catalog or other means where the customer is not then physically present, Dealer’s employee or representative must provide the Cardholder with a completed copy of the Sales Slip or Credit Slip with the goods. Sales Slips or Credit Slips must contain the following information:
1. The last four digits of the Cardholder’s Account number.
2. Dealer’s name and store location (city/state).
3. The description of the goods or services purchased.
4. The total amount of the transaction (including sales tax).
5. The transaction date.
6. Authorization Code.
7. For credits, original sales date and reason for refund.
8. Dealer’s store number.
9. Unique system generated invoice number. For these purchases, the Cardholder is not required to physically appear at the store, to present identification or to sign a Sales Slip. If the Cardholder alleges the purchase was not authorized by the Cardholder or otherwise denies the validity of one of these purchases, Bank will make a reasonable investigation. If, after investigation, Bank cannot determine whether the purchase was authorized and valid, Bank will remove the amount of the purchase from the Cardholder’s Account and charge that amount back to Dealer.

Premium Payment Gateways

Available for $100/month Additional Integration Fee

Acima [Premium Gateway]
What Does AVBM Need From You To Integrate:
- API Key
- API URL
- Merchant ID
Affirm [Premium Gateway]
How To Get Started:
- CLICK HERE to sign up for Affirm
- Click ‘Get Started’ and fill out form at bottom of the application page
- A unique Affirm account is required to implement financing
- After submitting, our team will reach out with next steps pending approval
Discount Rate:

Variable. Reach out to the Affirm team through this link for more info: https://info.affirm.com/AVB

What Does AVBM Need From You To Integrate:
- Affirm Public API Key
- Affirm Private API Key
Fraud Protection & Payment Protection Specifics:

Affirm assumes repayment/fraud risk and can easily issue full or partial refunds. To learn more, visit https://businesshub.affirm.com/hc/en-us.
ChargeAfter Apply & Buy [Premium Gateway]
How To Get Started:
- Click Here to learn more about ChargeAfter
- Waterfall financing available with Synchrony or Wells Fargo as the primary lender
What Does AVBM Need From You To Integrate:
- Nothing! We’ll work directly with ChargeAfter to get set up once your merchant account is active.
Katapult [Premium Gateway]
How to Get Started:
- CLICK HERE to schedule a product demo and sign up for Katapult
What Does AVBM Need From You To Get Started:
- Public Token
- Private Token
PayTrace [Premium Gateway]
How to Get Started:
- If you already have a PayTrace account, reach out to your AVBM Account Executive to help guide you to configure your account for system compatibility.
- If you are new to PayTrace, contact your AVBM Account Executive to connect you with a PayTrace representative to help set up your account.
Fees:
- One-time setup fee – $75.00
- Monthly fee – $15.00
- Transaction fee – $0.10
- API Monthly fee – $10.00
What Does AVBM Need From You To Get Started:
- Merchant ID
- API Username
- API Password
More Premium Payment Gateway Options
Some payment gateways may be subject to additional fees (development time) and will need added scope of time for implementation and development on a one-off basis.

Premium Options:
- Wells Fargo
- NoFraud
- CyberSource
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