When a single order is worth protecting.
At four figures an order, everything changes. Fees stop being a rounding error, one chargeback matters, and taking payment before the goods are ready is a liability rather than a convenience.
ACH and 3D Secure come with Pro. Fraud rules are on the roadmap.
What usually hurts
The problems merchants in this category describe, and what answers each one.
Percentage fees that hurt
On a two thousand dollar order the card fee is a meaningful share of margin. ACH replaces it with a flat cost.
Chargebacks that sting
One disputed high ticket order can wipe out a week. 3D Secure moves liability for fraudulent chargebacks to the issuer on eligible transactions.
Fraud that targets large orders
Card testing and stolen card use follow value. AVS rules, velocity limits and a review queue are the planned answer.
Money taken too early
Custom and made to order goods should not be charged at checkout. Authorize, then capture when the item ships.
How to set it up
The configuration that fits this kind of store.
- Offer ACH above a thresholdPresent bank transfer prominently on large carts, where the saving justifies the extra clearance time.
- Turn on 3D Secure for high value ordersApply authentication above an amount threshold rather than to everything, so small orders stay frictionless.
- Authorize now, capture on dispatchSet the transaction type to authorize and capture from the order screen when the goods leave.
- Watch AVS results while you wait for rulesUntil screening rules ship, the AVS and CVV result is on every order. Review large orders with a mismatch before shipping.
We stopped charging at checkout and started capturing at dispatch. Refund requests on delayed orders basically disappeared.
Is there an authorization expiry?
Does ACH work for very large amounts?
Will 3D Secure cost me sales?
What protects me against a friendly fraud dispute?
Related
Features that matter most here.
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