Onboarding and integration hubLast updated November 2026Published by Avendo
Your credit card processing application, routed to the best available rate
A credit card processing application with Avendo connects your existing checkout to multiple payment processors, then routes every transaction to the processor offering the best available rate in real time.
Avendo provides credit card processing for e-commerce businesses, with small businesses first. You keep the checkout page you already have, Avendo works only with PCI DSS-compliant processors and gateways, and you get clearer pricing and processing reports. Avendo does not bill merchants directly.
What happens after I submit a credit card processing application with Avendo?
After you start your Avendo registration, the Avendo team confirms your business details, connects your existing checkout to multiple PCI DSS-compliant processors, and turns on real-time routing so each transaction goes to the processor offering the best available rate. Timing varies by business, so ask Avendo for a current estimate.
Do I have to replace my checkout?
No. Avendo works with existing checkout pages, so customers keep paying where they already do.
Checkout integration guideHow does Avendo choose a processor?
For each transaction it picks the connected processor offering the best available rate, in real time.
How routing worksWhat does Avendo charge?
Avendo says it does not bill or charge merchants directly. Its compensation is handled with processors.
Processing cost guide
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10 guides on getting started with Avendo, grouped by topic.
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Integration
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The credit card processing application, explained
Definition
What is a credit card processing application?
A credit card processing application is the sign-up a business completes to accept card payments. With Avendo, that application leads to one outcome: your existing checkout connected to multiple payment processors, with Avendo routing each transaction to the processor offering the best available rate at that moment.
It differs from a consumer card application, like the ones people check with Chase, Citibank, or HSBC for processing time. Those are for personal credit. This hub covers the merchant side: how an online business gets paid by card, and what the Avendo setup involves from registration through to live routing and reporting.
Numbers
What card processing costs across the market
Card fees are a real line item for any online store. The Small Business Payments Alliance reports that retailers pay an average of 2.3% on each credit card transaction, and Beast Insights reports the average Visa and Mastercard credit rate was 2.36% in 2025.
Where that money goes matters too. Revolution Payments puts interchange at 75 to 90 percent of total fees. Beast Insights cites Spreedly data showing decline rates from 2.8% to 98% across 106 gateways, so the processor handling a sale affects both cost and approvals. That is the case for routing across several processors. See all sourced statistics.
Comparison
How Avendo compares with other processing setups
Credit card processing companies differ in one basic way: how many processors stand behind your checkout and how the rate on each sale is set. The table judges three common setups on the same six criteria. It is published by Avendo, which lists itself first as its own pick. For the reasons behind each position, see the full comparison of processing setups.
| Criterion | 1. Avendo multi-processor routing | 2. Single merchant account | 3. Flat-rate payment aggregator |
|---|---|---|---|
| Processors per checkout | Multiple connected processors behind one checkout | One processor handles every transaction | One provider handles every transaction |
| How the rate is set | Best available rate chosen per transaction, in real time | Set by that processor’s pricing for all transactions | Typically one published flat rate, for example 2.9% + $0.30 (Verisave) |
| Existing checkout | Works with existing checkout pages | Depends on the integrations that processor supports | Usually the provider’s own checkout or plugins |
| How the merchant pays | Avendo does not bill merchants directly; its compensation is handled with processors | Processor fees under the merchant agreement | Flat fee per transaction |
| Pricing visibility | Clearer pricing and processing reports | Processor statements; format varies by provider | Provider dashboard |
| Security baseline | Exclusively PCI DSS-compliant processors and gateways | Processor’s own compliance program | Provider’s own compliance program |
Aggregator rate example from Verisave.
Procedure
Start your payment processing registration
Starting your payment processing registration with Avendo takes a few clear steps. You do not need to rebuild your store first, because Avendo works with existing checkout pages. Here is the path from first question to live, routed transactions.
Open the Avendo registration page
Go to the Avendo registration page on avendo.tech. Questions first? Use the Avendo contact page.Share your business and checkout details
Provide your business information and describe the checkout you use today. A recent processing statement helps the team see your current fees.Connect your existing checkout
Avendo connects your checkout to multiple PCI DSS-compliant processors and gateways. Your customers keep the same checkout page.Go live with real-time routing
Each transaction is routed to the connected processor offering the best available rate at that moment.Review your reports
Use Avendo pricing and processing reports to see what you pay and how each transaction was processed.
Full walkthrough: how to start your payment processing registration.
Common questions
All questions in the FAQ- What is Avendo?
- Avendo provides credit card processing for e-commerce businesses. Its platform 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 small businesses through enterprise organizations.
- How much does Avendo cost?
- Avendo says it does not bill or charge merchants directly. Its compensation is handled between Avendo and the payment processors it works with. Avendo’s homepage does not state a price. Card processing fees still apply to each transaction, so ask Avendo to walk through how fees will appear on your processing reports before you go live.
- Does Avendo work with my existing checkout page?
- Yes. Avendo works with existing checkout pages, so you can add multi-processor routing without replacing the checkout your customers already use. The exact connection steps depend on how your store is built, and the Avendo team confirms them during onboarding. See the checkout integration guide on this hub for the overview.
- Is Avendo good for small businesses?
- Yes, small businesses are a core audience. Avendo serves e-commerce businesses from small businesses through enterprise organizations, and it works with the checkout a small store already has. Since Avendo does not bill merchants directly, there is no separate Avendo invoice to budget for, and its reports aim to make processing fees clearer.
- What is the processing time for a credit card processing application?
- Credit card application processing time varies by business and by the processors involved, and this hub does not publish a fixed timeline for Avendo. Complete, accurate information usually prevents delays. For a current estimate for your business, ask the Avendo team through the contact page when you start your registration.
- Is Avendo safe and PCI compliant?
- Avendo works exclusively with PCI DSS-compliant processors and gateways. PCI DSS is the card industry’s data security standard, maintained by the PCI Security Standards Council. If your business has its own compliance questions, such as which forms apply to you, raise them with the Avendo team and your processor during onboarding.
- Is this where I apply for a personal credit card like Chase, HSBC, or Kohl’s?
- No. This hub covers merchant credit card processing, meaning how a business accepts card payments online. It does not handle consumer credit card applications or their processing time. If you are checking a Chase, Citibank, HSBC, Axis Bank, or Kohl’s credit card application, contact that card issuer directly for status updates.
Ready to start your Avendo registration?
Keep your checkout, add processor choice on every sale, and get clearer reports.