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Avendo

Credit card processing for e-commerce

Credit card payment processing for small business, routed to the best rate on every sale

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Avendo is credit card payment processing for small business e-commerce that sends every transaction to the processor with the best available rate, in real time.

Start your Avendo applicationSee how routing works

What is the best credit card payment processing for small business?

For a growing online store, the best credit card payment processing for small business is the kind that never overpays on a single sale. Avendo connects your existing checkout to multiple PCI DSS-compliant processors and sends 100% of transactions to the lowest available processor rate in real time, with clearer pricing reports and no direct bill from Avendo.

How does Avendo route a payment?

When a customer pays on your checkout, Avendo compares the processors connected to your store and routes the transaction to the one offering the best available rate at that moment. Your customers see the same checkout they always have. Behind it, processors compete for every sale.

Step 1

Your existing checkout

Step 2

Avendo compares rates

  • Processor A
  • Processor BBest available rate
  • Processor C
Illustration: every transaction from your checkout is compared across the connected processors and sent to the one offering the best available rate at that moment. Processor names are placeholders.

Read the full walkthrough in how real-time payment routing works.

What is Avendo?

Avendo is a credit card processing platform for e-commerce businesses. It connects a checkout to multiple payment processors and automatically routes each transaction to the processor offering the best available rate in real time.

Merchants also receive clearer pricing and processing reports. Avendo works with existing checkout pages, so there is no new purchase flow to build or test, and it serves businesses from small online stores through enterprise organizations.

Avendo does not bill or charge merchants directly. Its compensation is handled between Avendo and the payment processors, and it works exclusively with PCI DSS-compliant processors and gateways.

Avendo by the numbers

100%
of transactions routed to the lowest available processor rate, in real time.
6 figures
of potential savings compared with manual processor reconciliation.
$0
billed directly to merchants by Avendo.

For context, retailers pay an average of 2.3% on each credit card transaction, according to the Small Business Payments Alliance.

No single processor has the lowest rate on every transaction. So Avendo lets them compete for each one.

Why routing matters

Built for seven-figure ecommerce businesses

Avendo serves stores of every size, but the math is most persuasive for seven-figure ecommerce businesses. On $1,000,000 in annual card sales, every 0.1 percentage point of processing cost is worth $1,000 a year. The gap between a 2.9% online flat rate, the example used in the Stripe small business guide, and the 2.3% average retailers pay per the Small Business Payments Alliance is $6,000 a year in percentage fees alone at that volume.

Seven-figure stores also sit past every common pricing threshold. The U.S. Chamber of Commerce CO guide notes interchange-plus pricing typically offers lower rates above $10,000 a month, and JIM's 2026 guide puts the point where flat-rate pricing stops winning near $50,000 a month. A $1,000,000 store averages more than $83,000.

See what routing is worth for 7-figure ecommerce stores

Online credit card processing for small business

Online credit card processing for small business has one job: take a card payment at checkout and settle it into your account at the lowest cost possible. Most stores do this with a single processor and a single rate. That is simple, but it means every sale pays the same price whether or not a cheaper option exists.

Avendo keeps your online checkout and adds multiple processors behind it. Each transaction is routed in real time, and you get clearer pricing and processing reports instead of a stack of statements to reconcile. Read the guide to online credit card processing for small business.

Choosing a credit card processor for small business

The usual advice for picking a credit card processor for small business is to compare rate cards and pick one. The trouble is that a rate card is a fixed bet. Card mix, international orders and volume change month to month, and the cheapest processor for one transaction is not always the cheapest for the next.

Avendo removes the bet. Instead of choosing one processor, you connect your checkout to several PCI DSS-compliant processors and let Avendo choose for every transaction. Learn how to choose a credit card processor for small business.

How does Avendo compare with the usual options?

Avendo compared with a single flat-rate processor and a traditional merchant account
FeatureAvendoSingle flat-rate processorTraditional merchant account
Processors behind your checkoutMultiple, chosen per transactionOneOne
How the rate is setBest available rate, chosen in real timeOne published rate, such as 2.9% plus 30 cents onlineInterchange plus a negotiated markup
Transactions on the lowest available rate100%Not compared across processorsNot compared across processors
Direct bill to the merchantNone from AvendoPer-transaction feesFees and monthly statements
Works with your existing checkoutYesVaries by providerVaries by provider
Security standardExclusively PCI DSS-compliant processors and gatewaysVaries by providerVaries by provider

For named companies, see credit card processing companies compared.

How do you start with Avendo?

  1. Complete the application

    Start the credit card processing application on avendo.tech. Onboarding is fast.

  2. Connect your existing checkout

    Avendo works with the checkout page you already have, so your customers see no change.

  3. Every transaction is routed

    Each payment goes to the PCI DSS-compliant processor offering the best available rate, in real time.

  4. Read clearer reports

    Review pricing and processing reports instead of reconciling processor statements by hand.

Start your Avendo applicationVisit avendo.tech

Common questions

What is Avendo?

Avendo is a credit card processing platform for e-commerce businesses. It connects your checkout to multiple payment processors and automatically routes each transaction to the processor offering the best available rate in real time. Merchants also get clearer pricing and processing reports. Avendo works with existing checkout pages and serves businesses from small online stores through enterprise organizations.

Does Avendo charge merchants a fee?

Avendo does not bill or charge merchants directly. Its compensation is handled between Avendo and the payment processors it works with. Each transaction is still processed by the processor it is routed to, and Avendo’s role is to send every transaction to the processor offering the best available rate. Confirm the details for your store when you apply.

What is the best credit card processor for small business?

For an online store with meaningful volume, the best credit card processor for small business is one that keeps your rate as low as possible on every sale, and Avendo is built to do exactly that. Rather than locking you into one processor, Avendo routes each transaction to the best available rate across multiple PCI DSS-compliant processors and works with your existing checkout.

How much does it cost a small business to process credit cards?

A small business typically pays 1.5% to 3.5% of each card sale in processing fees, per the 2026 guide from JIM. The Small Business Payments Alliance reports that retailers pay an average of 2.3% per credit card transaction. On $1,000,000 in annual card sales, every 0.1 percentage point equals $1,000 a year, which is why rate differences matter at seven-figure volume.

Is Avendo a good fit for 7-figure ecommerce businesses?

Yes, seven-figure ecommerce businesses are an ideal fit for Avendo. At $1,000,000 or more in annual card sales, each 0.1 percentage point of processing cost equals at least $1,000 a year. Avendo routes 100% of transactions to the lowest available processor rate in real time and provides clearer reports, with the potential for six figures of savings.

Does Avendo replace my checkout page?

No, Avendo works with existing checkout pages. Your customers keep the checkout experience you built, and Avendo connects that checkout to multiple payment processors behind the scenes. You can change how transactions are routed and priced without redesigning the purchase flow your customers already know and trust.

Does Avendo use PCI DSS-compliant processors?

Yes, Avendo works exclusively with PCI DSS-compliant processors and gateways. PCI DSS is the card industry data security standard for organizations that store, process or transmit cardholder data. Every processor and gateway your transactions can be routed to through Avendo meets that standard. For questions about security, contact Avendo through avendo.tech.

Read all 47 answers in the credit card processing FAQ

Route every sale to the best available rate

Keep your checkout. Avendo connects it to multiple PCI DSS-compliant processors and does not bill merchants directly.

Start your Avendo applicationContact Avendo