AltirasPay
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Next Gen AI-Driven Payment Solutions for Retail & eCommerce

Payment solutions for shops and online brands — in-store, online and subscription payments that work together.

Get a Payment Solution Ask Pyper

Solutions for Retail & eCommerce

An AI-driven payment platform built for retail and eCommerce.

  • In-Store POS
  • Online Checkout
  • Subscriptions
  • Fraud & Chargeback Tools
  • Custom Integrations
  • Reporting & Analytics

Built for Retail & eCommerce

Every Channel, One Payment Partner.

Get a custom payment stack, underwriting guidance, and hands-on support across your store and your website.

  • AI-Driven Payment Processing
  • Underwriting Guidance
  • Customized Software & Stacks
  • Hands-On, Expert Support

Meet Pyper

Your Retail Payments Guide.

Ask Pyper about POS options, online checkout, subscriptions, and the right setup for your store.

Ask Pyper
The product suite

Four products. One retail payment stack.

Each piece can stand alone or work together — designed with you and placed with eligible partners.

How it works

From first call to first settlement.

  1. 1

    Tell us how you sell

    Share how your retail customers pay today and what isn't working.

  2. 2

    Map the money flow

    We trace every handoff, from first deposit to final settlement.

  3. 3

    Prepare the file

    We organize the documents and narrative an acquiring partner will review.

  4. 4

    Partner review

    An independent bank or processor reviews. Approval and terms are theirs.

  5. 5

    Launch and reconcile

    Go live with the agreed setup, software and reporting, and keep refining.

How money moves

Built around your real transaction flow.

From first commitment to final settlement, each stage affects timing, evidence and risk.

  1. 01Sell in store or online
  2. 02Authorize the payment
  3. 03Fulfill the order
  4. 04Reconcile every channel

Payment methods shown are illustrative and depend on partner approval and product eligibility.

What we help you solve

Solutions shaped for Retail

Build My Payment Solution
Prepare for underwriting

The documents that tell your story.

  • Website, terms and return policy
  • Volume by channel
  • Average and largest order
  • Bank and processing statements

A specific acquirer may ask for more or different documents. Submitting a file is not an approval.

Full requirements
Meet Pyper

Questions about Retail payments?

Ask Pyper about how these payment flows work and which documents an independent processing partner may need.
Ask Pyper

Important: AltirasPay is not the bank

We design, document and connect. Independent acquiring banks and processors make the underwriting decision and set pricing, reserves, funding and which payment methods are available for your business.

Why it matters

One Customer. Three Checkouts. One Clean Set of Books.

Retailers sell at the counter, on the website, by phone and on subscription, often to the same customer in the same week.

We help connect those channels so pricing, fraud rules and reporting fit how you actually sell.

Store, online and recurring sales often run on separate setups with separate pricing, so costs and fraud rules drift and nobody sees the whole picture.

What goes wrong today

Where retail & ecommerce payments break.

  • 01

    Store and online sales settle and report separately.

  • 02

    Fraud rules block good customers or let bad orders through.

  • 03

    The pricing structure no longer matches the channel mix.

What would you like to fix?
My processing costs keep creeping up
Review the pricing structure ↓
Online fraud and chargebacks are rising
Tune the online checkout ↓
Store and online sales don't reconcile
Unify the channels ↓
Subscriptions fail when cards expire
Set up card-on-file billing ↓
Follow the transaction

The full money movement.

The goal is to understand every handoff before choosing products and providers.

HOW THE MONEY MOVES
CHOOSE A TRANSACTION TYPE
  1. 01
    Customer at Counter
  2. 02
    Tap / Chip / Wallet
  3. 03
    Authorization
  4. 04
    Receipt
  5. 05
    Batch
  6. 06
    Settlement
What AltirasPay can help do

Beyond a merchant account.

A possible payment strategy for this industry — designed with you, documented for the bank, and connected to eligible partners.

  • Payment flow & methods

    Review statements by channel and transaction type.

  • Merchant file & narrative

    Connect POS, eCommerce and recurring billing where compatible.

  • Partners & technology

    Tune online fraud and dispute controls.

  • Risk & reconciliation

    Unify reporting and reconciliation.

Pricing Review

We read your statements line by line, show where the cost is going by channel, and explore structures such as interchange-plus or, where permitted, cash discount and dual pricing programs.

Online Checkout Risk

Fraud filters, address and security-code checks and 3-D Secure where supported, tuned so good customers are not turned away and bad orders are.

Omnichannel Reporting

One view of every place you sell.

  • POS terminals
  • eCommerce checkout
  • Phone and virtual terminal
  • Marketplace sales
  • Gift cards

Subscriptions & Card on File

Tokenized card-on-file billing, with account updater where available, so renewals don't quietly fail when a card expires.

POS & Hardware

Processor-agnostic terminals and POS options that keep the software your team already knows, where compatible.

TERMINAL→POS SOFTWARE→GATEWAY→SETTLEMENT
Your payment architecture

How the pieces connect.

  1. CUSTOMER
  2. POS / ONLINE STORE
  3. PAYMENT GATEWAY
  4. ACQUIRING PARTNER
  5. SETTLEMENT
Running alongside
TOKENIZATION
FRAUD RULES
3-D SECURE
RECURRING BILLING
INVENTORY SYNC
RECONCILIATION

AltirasPay is not the acquiring bank, the processor, the gateway or the payout institution. Final underwriting, pricing, approval, supported transaction types and rail availability remain with the acquiring bank and payment provider.

Need custom software or integration work? We can scope a payment-connected solution alongside eligible acquiring options.

Build My Payment Stack
Your questions

Let's talk about what is possible.

Can I keep my current POS?

Often. Many POS systems work with more than one processor; we check compatibility before recommending any change.

Are cash discount or dual pricing programs allowed?

They are permitted in many places with specific disclosure rules. Card-network and state rules apply, and we help you review them before setup.

Industry guides

Go deeper into retail & ecommerce

Declined account Processing costs Underwriting requirements
Your next step

Send Us One Month's Statement.

It shows what you are really paying, by channel, and where the structure no longer fits how you sell.

Build My Retail Payment SetupStart the application with your industry already selected.Build My SolutionChoose the payment problem and see a starting stack.Check My StatementUpload a processor statement for a cost breakdown.Ask PyperPlain-English answers, then the right workflow or a person.

Serves: Retail stores, eCommerce brands, specialty shops, subscription businesses and multi-location retailers. Eligibility depends on the specific business, products, jurisdiction and the acquiring program — nothing on this page is an approval.

Explore more industries

Explore what else we can build.

Every industry has a different payment story. Find the one closest to yours.

Healthcare & Wellness
iGaming & Sweepstakes
Private Aviation — Private Aviation & Aircraft Services
Yachting & Marine — Yachting, Marine & Luxury Charter
Explore all industries

25+ Yearsof Payment Processing Experience

Experience with complex merchants. Solutions tailored to how your business operates.