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 acquirers so you do not grind to a halt if one processor terminates you. 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. That is exactly the principle we build in as standard with multi-acquiring, so you do not have to arrange it yourself.
What you get with LunaPay
Dropshipping is card not present, so online:
- Multiple acquirers as a backstop, so a termination does not shut you down.
- Chargeback control: clear, recognisable descriptors, honest delivery times and track and trace.
- Hosted checkout, payment links, plugins for your webshop and an API.
- 3-D Secure and SCA as standard.
- A dedicated point of contact who understands e-commerce.
| A single processor | Multi-acquiring with LunaPay | |
|---|---|---|
| Termination | Orders grind to a halt | Another acquirer takes over |
| 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. With us, every transaction runs across multiple licensed acquirers. If one declines or falters, another takes over instantly. That is what we call multi-acquiring. For dropshipping, termination by a single processor is the biggest risk, and that is exactly what multi-acquiring absorbs.
Read how multi-acquiring worksWhere are you now?
Also for
Dropshipping webshops, print-on-demand, and broader high-risk e-commerce on platforms like Shopify and WooCommerce.
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.
Live in three steps.
Book a video call
In a short video call of around 15 minutes 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 the certainty of multiple acquirers behind the scenes. What it means for your sector depends on your volume and your profile.
Frequently asked questions
Which payment provider accepts dropshipping?
LunaPay delivers payment solutions for dropshipping and high-risk e-commerce, with multiple acquirers so you do not grind to a halt.
Why does Stripe terminate dropshipping accounts?
Because of longer delivery times and an elevated risk of chargebacks. We set up your acceptance with partners who accept the model and with chargeback control.
How do I prevent chargebacks with dropshipping?
With clear descriptors, honest delivery times, track and trace and 3-D Secure. We help you set that up.
Why use multiple processors?
So that a termination does not shut you down and your acceptance stays high. Multi-acquiring builds that in as standard.
Does it work with Shopify or WooCommerce?
Yes, we connect your webshop with plugins and an API.
High-risk? No-problem.
Request your personal proposal and find out what we can arrange for dropshipping and e-commerce.