Accept payments online, however you sell.

Drop in a hosted checkout, embed our components, or build fully custom with our API — accept cards and digital wallets with fraud screening built into every transaction.

Accepting payments online is often the first thing customers judge about how serious a business is — a slow, confusing, or untrustworthy checkout loses sales before a product ever ships. Harbour Payments gives merchants a way to accept online payments that fits how they actually build and run their business, whether that means launching a hosted checkout page in a single afternoon or wiring a fully custom flow into an existing app through our API. Every online transaction — card, Apple Pay, Google Pay, or another supported wallet — runs through the same real-time fraud screening and PCI-DSS compliant infrastructure, so security isn't something a merchant has to build themselves. For growing e-commerce brands, subscription businesses, marketplaces, and service companies collecting deposits or invoices online, the goal is the same: a checkout that converts, settles reliably, and reports cleanly alongside every other channel a business sells through. Because online payments are inherently card-not-present, they carry more fraud exposure than a tap at the counter, which is why Harbour builds fraud detection into the online payment flow by default rather than treating it as an add-on. Merchants also get tokenization for repeat customers, so a saved card can be reused for reorders or subscriptions without ever storing a raw card number on their own servers. Whether a business processes a handful of online orders a month or scales into six figures of monthly online volume, the underlying online payments infrastructure — checkout, fraud screening, reporting, and settlement — stays the same, so growth doesn't require ripping out and replacing the payment stack later. Getting started typically takes a short conversation about how a business currently sells, followed by a recommendation on hosted checkout versus API integration based on technical resources and how much control over the checkout experience actually matters.