Hosted Checkout
Send customers to Soap's hosted checkout or embed it in your site, so card data never touches your servers.
E-commerce Payments
E-commerce Payment Processing That Grows With Your Store
Soap is a payment gateway and orchestration layer for online businesses. Accept cards, digital wallets, and US bank payments through one hosted checkout, connect the processors that fit your business, and keep fraud checks and reporting in one place as you grow.
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Cards, Apple Pay, Google Pay, and US bank payments in one checkout
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15+ processor relationships behind one integration
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3D Secure and pre-payment fraud checks on card payments
Core Capabilities
Infrastructure for the operational realities of e-commerce payments
More Ways to Pay
Offer the major card networks, Apple Pay, Google Pay, and US bank payments, so customers can pay the way they prefer.
Processor Choice
Connect 15+ processors and choose which one handles your payments, without new integration work on your side.
Fraud Checks Built In
3D Secure, device fingerprinting, location, identity, and duplicate-account checks, with manual review, run before the charge.
15+
Processor Relationships
93%
Approval Rates
<0.3%
Chargeback Rate
Built-In Controls
Operational controls included
The compliance and risk surface processors actually ask about — wired into one integration.
Hosted Checkout3D SecureDevice FingerprintingPre-Payment ChecksManual ReviewOne Dashboard
Where It Fits
Typical teams and payment flows
Soap is a fit for teams managing high-frequency payments, more complex settlement paths, or tighter operational and compliance requirements than standard checkout stacks can handle.
Direct-to-consumer brands selling through their own website
Online stores adding wallets and bank payments next to cards
Growing US e-commerce businesses that want more than one processor relationship
Digital goods and online services selling to US customers
In Depth
How Soap works for e-commerce payments
What does an e-commerce payment gateway do?
A payment gateway is the part of your checkout that takes a customer's payment details, checks them, and passes the payment to a processor for approval. The processor and the customer's bank decide whether the payment goes through, and the money then settles to your account. For an online store, the gateway also shapes the checkout itself: which payment methods appear, how secure the card form is, and how quickly customers get an answer.
Choosing a payment processor for your online store
Most stores start with one all-in-one provider, and that works well early on. As sales grow, other things start to matter: how many good payments get declined, which payment methods you can offer, and what happens to your sales if your provider has an outage or reviews your account. When comparing options, look at approval rates for your kind of customers, not only the fee per transaction. A small change in approvals often outweighs a small difference in price.
Why online stores want more than one processor
With one processor, every payment depends on that processor's decisions and uptime. Having more than one processor relationship gives you options when approval rates drop or a provider has problems. Doing that yourself means maintaining several integrations. With Soap, you integrate once, and the processors, fraud checks, and reporting sit behind that one integration.
Getting started with Soap
Soap's onboarding is built for online businesses that want to move quickly. Onboarding takes days, not weeks, for approved merchants. AI-assisted review checks your information as you submit it, and Soap's team handles anything that needs a closer look. Once you are live, you can turn on supported payment methods and processors without changing your integration.
FAQ
Common questions from e-commerce payments teams
What is the best payment gateway for e-commerce?
It depends on your store. Look at approval rates for your customers, the payment methods you need, and how much you depend on one provider. Soap is a good fit for growing online businesses that want one integration with more than one processor relationship behind it.
Which payment methods can my store accept with Soap?
The major card networks, Apple Pay, Google Pay, and US bank payments, through one integration.
Do I need to build my own checkout?
No. Soap's checkout is hosted: you can send customers to it or embed it in your site, and card data never touches your servers.
Can I keep my current payment processor?
If you already have an account with a processor Soap supports, it can be connected to Soap. Ask the Soap team about your setup.
How long does it take to start accepting payments?
Onboarding takes days, not weeks, for approved merchants.
Related Pages
Explore adjacent categories
Next Step
Build the payments layer around how the business actually operates
Soap brings routing, onboarding, fraud controls, and compliance operations into one stack so teams can scale without duct-taping more infrastructure together.