Payment solution for dropshipping and e-commerce
A payment solution for dropshipping handles your webshop’s online payments through licensed acquirers, with chargeback control and multiple licensed acquirers behind LunaPay. If one processor terminates you, we move you to another. LunaPay is a payment provider that accepts dropshipping and high-risk e-commerce, where mainstream players often freeze accounts without warning. That way your orders keep flowing, even when it gets busy.
Why dropshipping is treated as high-risk
Dropshipping is ordinary e-commerce, but the model makes it high-risk in the eyes of banks and providers. You work with multiple suppliers and longer delivery times, and that brings an elevated risk of chargebacks: orders disputed as not received, or as not as described. The market applies monitoring thresholds where from roughly one percent chargebacks you are flagged as high-risk, and card scheme programmes now count both fraud and non-fraud cases. On top of that, a large share of chargebacks is so-called friendly fraud, where a genuine customer disputes a legitimate purchase. The result: mainstream processors regularly terminate dropshipping accounts.
This is not theory but practice. Experienced dropshippers already run multiple processors at once of their own accord. If one terminates your account, another keeps your orders flowing, and spreading volume prevents any single account from seeing your entire chargeback ratio. With multi-acquiring we arrange that principle for you: multiple licensed acquirers behind LunaPay, and a joint decision on whether a second one stands ready from the start.
Checkout, chargebacks and continuity: what we arrange
Dropshipping runs on momentum. One winning campaign and your orders multiply; one terminated account and everything stops. We build your payments for the first. If the second happens, we move you to another licensed partner.
Multiple licensed acquirers
The safety net experienced dropshippers piece together with separate accounts we arrange through one connection. LunaPay works with multiple licensed European acquirers: we decide together whether a second one stands ready as a backup from the start, and if an acquirer terminates you, we move you to another licensed partner.
Chargeback control that protects your ratio
Your chargeback ratio is your life insurance in this trade, so we guard it actively. A recognisable name on your customer’s bank statement, so nobody disputes a payment they cannot place. Strong customer authentication through 3-D Secure as standard. And a fast refund route at the first signal, so a complaint is resolved before it becomes a formal dispute that counts against you.
Your webshop connected, without a custom project
Ready-made integrations for the well-known webshop platforms, such as WooCommerce and Magento, plus a hosted checkout, payment links and an API for any other platform or custom build. Your customer pays in a familiar environment, and you never handle card data in your own systems.
Payment methods that convert
Cards and Apple Pay, plus the local methods your international customers expect, and iDEAL for Dutch shoppers. A checkout that matches what your customer is used to simply converts better, and every successful payment is one that earns back your ad spend.
Live insight and your own contact person
In the LunaPay Insights dashboard you follow your transactions and revenue live, so on peak days you see exactly what is coming in. And you have one fixed contact person who understands e-commerce, not a ticket system that sends you in circles.
Curious what this means for your store? Calculate your rate estimate or request your personal proposal.
Also for
Dropshipping webshops, print-on-demand, and broader high-risk e-commerce on platforms like Shopify and WooCommerce.
| A single processor | Multi-acquiring with LunaPay | |
|---|---|---|
| Termination | Orders grind to a halt | We move you to another licensed partner |
| Acceptance rate | Dependent on one party | Higher, spread out |
| Chargeback pressure | Everything on one account | Volume spread out |
| Growth during peaks | Vulnerable | Buffer built in |
Your payments keep running.
Most providers rely on a single acquirer, the party that processes your card transactions. If that one goes down or refuses your sector, your payments stop. LunaPay works with multiple licensed European acquirers. For each sector we decide together whether a second acquirer stands ready as a backup from the start, and if an acquirer stops serving your sector, we move you to another licensed partner. That is what we call multi-acquiring. For dropshipping, termination by a single processor is the biggest risk. That is why here we decide together whether a second acquirer stands ready as a backup from the start.
Read how multi-acquiring worksWhere are you now?
Secure and compliant.
We work exclusively with regulated, licensed European acquiring partners. Your payments run over certified infrastructure, with PCI DSS for handling card data, 3-D Secure and SCA under PSD2 for strong customer authentication, and careful AML and KYC checks at onboarding. That keeps your acceptance not only stable, but demonstrably in order.
Read how we handle safety and continuityLive in three steps.
Call us or get a call back
In a short phone call we go through your situation, your volume and a start date. No strings, and no visit needed.
Send your documents
You get a clear checklist and an upload link. We think along and keep it simple.
Go live and get paid
After approval we set everything live. Ready to get paid.
Worry-free payments at a sharp rate.
Sharp, competitive rates on transparent IC++, with no surprises, and multiple licensed acquirers behind the scenes. What it means for your sector depends on your volume and your profile.
Frequently asked questions about dropshipping payments
Which payment provider accepts dropshipping?
LunaPay provides payment solutions for dropshipping and high-risk e-commerce, with multiple licensed acquirers behind LunaPay. If one pulls out, we move you to another.
Why do mainstream processors freeze dropshipping accounts?
Because of longer delivery times and an elevated chargeback risk, often without prior warning. We accept the model and set up your acceptance with chargeback control and spread across multiple acquirers.
How do I prevent chargebacks in dropshipping?
With a recognisable name on the bank statement, honest delivery times, track and trace, 3-D Secure and a fast refund route at the first signal. We set that up with you.
Why should I use multiple acquirers?
Because one party can terminate you or tighten its policy. Experienced dropshippers spread their volume themselves with separate accounts for that reason. With us, we decide together whether a second acquirer stands ready as a backup from the start, and if an acquirer terminates you, we move you to another licensed partner.
Does it work with my webshop platform?
Yes. With ready-made plugins for the well-known platforms such as WooCommerce and Magento, and with a hosted checkout, payment links and an API for any other platform.
Do my payments keep running on peak days?
Yes. The spread across multiple acquirers is made for busy periods: your acceptance scales with you, and in your dashboard you follow live what is coming in.
High-risk? No-problem.
Request your personal proposal and find out what we can arrange for dropshipping and e-commerce.