Which merchants does QorPay serve?
Standard retail, service, and ecommerce businesses, plus the verticals mainstream processors auto-decline. If a business is legal and its finances hold up, it gets a real underwriting review here.
That includes healthcare practices that need HIPAA compliant handling, firearms dealers, CBD and nutraceutical sellers, subscription businesses with chargeback exposure, and other accounts that get flagged on MCC alone elsewhere. QorPay's underwriters look at processing history, financials, and fulfillment, and can approve with conditions like reserves instead of issuing a blanket no. The industries index lists the verticals in detail.
If that sounds like your business, talk to us today. Approval here starts with a conversation about your business, not a rejection from a category list.
What does direct processing cost?
That depends on the model you pick, because QorPay supports all three merchant pricing models on direct processing. Interchange-plus: you pay the card networks' actual interchange plus one stated markup, visible on every statement. Flat rate: one blended percentage, so every statement is predictable. Compliant surcharging: the card fee passes to the cardholder inside network rules, and your cost of acceptance drops toward zero.
Whichever model you choose, the difference here is what is inside the number. Resellers add a margin on top of their processor's margin; QorPay is the processor, so there is one markup and it is on the page. Rates and worked examples for all three models are on the pricing page.
Picking the right model is part of the underwriting conversation, not a form field. High-volume merchants who want to see what cards actually cost tend toward interchange-plus. Smaller merchants who value a statement they can read in ten seconds tend toward flat rate. Thin-margin verticals where every basis point matters look at compliant surcharging. The model is written into the agreement before you sign, and if the business changes shape, the model can change with it: you are renegotiating with the processor itself, not with a reseller who has to go ask theirs.
Not sure which model wins on your volume? Send us a recent statement and we will run your numbers under all three, side by side.
How fast is approval and first deposit?
Clean applications clear Automated Underwriting the same day, and funding runs next business day after settlement for qualifying merchants. Applications that need a human get one, with a decision instead of silence.
The application asks for what underwriting actually uses: identity, business registration, bank details, and processing history if you have it. No fax machines, no notarized anything for a standard file.
Start your application and feel the difference direct makes.
What hardware and integrations exist?
In person, card-present acceptance runs on QorConnect, from countertop terminals to tap-to-pay, with Qor@theEdge covering edge devices. And because QorPay operates as a registered Payment Facilitator, hardware is a catalog, not a single proprietary device: the platform supports a wide range of semi-integrated terminal solutions, including devices from PAX, Valor, Aevi, Castles, Datecs, and Landi, where the terminal handles the card and QorCommerce handles the transaction. Card data never touches your point-of-sale software, which keeps its PCI scope small, and a merchant with working terminals or an integrated POS can often keep the setup and swap the processor underneath.
Online, shopping carts have a dedicated home on the integrations page. Native QorCommerce Gateway plugins cover WooCommerce, Magento 2, PrestaShop, OpenCart, CS-Cart, Shopware 6, and BigCommerce: install through your cart's admin, enter your keys, take payments. A Shopify payment app is in development, and every other cart connects today through hosted checkout, Secure Embedded Forms, qor-charge.js, or the REST APIs. Custom sites pick the surface that matches how much PCI scope they want to carry.
- QorConnect: countertop and semi-integrated card-present acceptance.
- Cart plugins: seven platforms today, Shopify in development, the queue after that driven by requests.
- Hosted checkout: a QorCommerce-hosted payment page, no card data on your site.
- Secure Embedded Forms: payment fields inside your own pages for custom builds.
Tell us what is on your countertop and in your cart. We will match the hardware and the plugin, and you keep selling while we do it.
What happens on a chargeback?
You get notified with the reason code, the amount, and a deadline, and you respond with evidence through the portal. QorPay routes the representment to the network and reports the outcome; the process is documented step by step in the dispute docs.
Prevention matters more than response. AVS and CVV checks, 3-D Secure, and Circuit Breaker velocity controls are part of the platform, and merchants with rising dispute counts hear from the risk team before the networks get involved.
And with qorSignals.js, one script tag on your checkout, the stolen card or bot that just hit another merchant on the QorPay network arrives at your store already flagged: fraud caught at checkout instead of thirty days later as a chargeback.
Fighting a dispute rate on your current processor? Switch to a processor that fights with you.