Payment processing built for online stores.

Drop in a hosted checkout or integrate our API — accept cards and wallets with fraud screening built into every transaction.

E-commerce businesses live entirely in the card-not-present world, which means the checkout experience and the fraud protection behind it matter more than almost anything else in the payment stack. Harbour Payments gives online sellers a choice: launch fast with a hosted checkout that requires little to no development work, or build a fully custom experience through our API if brand and conversion optimization demand pixel-level control. Either path runs on the same infrastructure — real-time fraud screening on every transaction, support for major cards and digital wallets like Apple Pay and Google Pay, and recurring billing built in for subscription boxes or membership-based stores. Because online fraud patterns differ meaningfully from in-person risk — card testing, mismatched shipping addresses, and account takeover attempts are all more common online — our fraud tools are tuned specifically for e-commerce rather than borrowed from a generic in-person risk model. Reporting stays unified across channels too, so a brand selling through its own site, a marketplace, and maybe a pop-up retail presence can see total revenue in one place instead of stitching together exports from several platforms. For growing online stores, this means the payment infrastructure doesn't need to be replaced as volume increases — the same account that processed the first sale can handle the traffic spike from a viral moment or a holiday sales event without a scramble to onboard a new processor under pressure.