Payments & fraud
Your gateway. Your funds. Our cut is zero.
BestWebby never processes your customers' payments. You connect your own gateway, the charge is made on your account, and the money is already yours when it lands. On Growth and above, orders are scored for risk on the way through — and we still never touch the payment.
Taking payment on your own gateway is on every plan · risk scoring and holds are on Growth and above
- Added by BestWebby
- 0%
- We never take a percentage of a sale
- Charge on your own account
- Direct
- You stay the merchant of record
- Order risk score
- 0–100
- Deterministic rules, no per-order cost, Growth and above
- Processing rate
- Yours
- Whatever you negotiated is what you pay
How the money works
Most platforms take a slice. We take none.
A percentage on top of what your processor already charges is the normal cost of running a shop on someone else's platform. It is not a cost here, because the charge happens on your account rather than ours.
- The charge is made on your account
- You connect your own Stripe account and the payment is taken on it. The money never routes through us on the way to you, and you remain merchant of record for the sale.
- Nothing per order, channel or register
- One platform subscription, priced by tier rather than by volume: the storefront, every register and the whole dashboard are covered, and selling more does not quietly cost more. Each tier’s monthly price is published on our contact page — nothing is billed per sale.
- Your processing rate stays your business
- Whatever rate you negotiated with your processor is the rate you pay. We do not mark it up, because we are not standing in the payment path to mark anything up.
On a $283.00 sale
Illustrative- Charged on your own Stripe account
- $283.00
- BestWebby’s share of that sale
- $0.00
- Processing
- Your negotiated rate
Card processing is billed by your own processor at your own rate. We do not mark it up and we do not add a platform fee on top of it.
Gateways
Stripe today, and an honest list of the rest.
Stripe is connected and live, and pay-later methods come through the same Stripe account. What is still on the roadmap is labelled as such, because finding out at migration time is worse than reading it here.
- Live
Stripe
US, CA, AU, JP, SG, AE and more
- Live
Interac e-Transfer
Canadian-dollar stores, paid straight to your bank
- Through Stripe
Klarna
Pay later, when turned on in your Stripe account
- Through Stripe
Afterpay / Clearpay
Pay later, when turned on in your Stripe account
- Through Stripe
Affirm
Monthly payments in USD and CAD, when turned on in Stripe
- Planned
Razorpay
India
- Planned
Flutterwave
Africa — 20+ countries
Whichever gateway you connect, the model does not change: the charge is made on your account and BestWebby adds nothing to it. BestWebby is not endorsed by or affiliated with Interac Corp.
Paying in Canada
The ways Canadians already pay.
Bank transfers online, debit cards at the counter and debits on trade invoices, each landing in your own accounts.
Interac e-Transfer online
On a store that sells in Canadian dollars, shoppers can pay from their own bank straight to your Autodeposit address. They are told to check the name their bank shows before sending, and the order goes ahead when you mark the payment received. No provider in between, and BestWebby never holds the money.
Read the guideInterac debit at the till
A card reader registered to a location in Canada takes Interac debit cards as well as credit cards, with nothing to set up in BestWebby. Refunds are made with the customer’s card on the reader, as Stripe requires.
Read the guidePre-authorised debit on invoices
Customers can pay a Canadian-dollar invoice, or the invoices from an accepted quote, from their bank account by pre-authorised debit on your own Stripe account. Stripe shows the agreement and checks the account; the invoice is marked paid once the debit has gone through.
Read the guideBestWebby is not endorsed by or affiliated with Interac Corp.
Order risk
Explainable scoring, and you still make the call.
Orders are scored from 0 to 100 by a deterministic rules engine — no black-box model, no per-order cost, and a score you can trace back to the signals that produced it.
Five signals combine, and a review hold needs more than one of them to corroborate, so a single unusual detail never blocks a good customer. Orders crossing your threshold are marked for review; the rest pass straight through to fulfilment. Risk scoring and holds come with the Growth plan and above.
A hold pauses fulfilment and waits for you. It does not cancel the order, refund the customer, or make any other decision on your behalf.
Signals weighed per order
- Unusually high order value
- Missing shipping address on an online order
- Orders placed in the small hours, between 1 and 4am
- Large total quantity in a single order
- Bulk quantity of one product
The same rules run on every order, so two identical orders always score the same.
Recurring revenue
Subscriptions on the gateway you already connected.
Any product can become a subscription, and the recurring charges run on your own Stripe account exactly like every other sale. Subscriptions are on the Growth plan and above.
Recurring billing
Turn a product into a subscription with a discount, then watch MRR, active subscribers and churn in one place. Failed payments go through dunning instead of silently lapsing.
- Subscribe & Save on any product in the catalogue
- MRR, active subscribers and churn on one dashboard
- Customer portal for pause, skip and cancel
- Saved-card off-session charges each period
- Dunning and retries when a payment fails
- Runs on your own connected Stripe account
Buy now, pay later
Turn on Klarna, Afterpay or Affirm in your own Stripe account and they appear at checkout whenever the order qualifies: each provider sets the currencies, countries and order amounts it takes. The charge settles to your own Stripe account, as every other sale does.
- Klarna
- Afterpay (Clearpay in the UK)
- Affirm, in US and Canadian dollars
- Settlement to your own Stripe account
Stripe decides at checkout which of them a shopper is offered. PayPal is not offered.
Zero added transaction fees, on your own gateway.
Connect the Stripe account you already have and keep every point of margin you negotiated. The platform earns from the subscription, not from your sales.