Ecommerce Payment Processing
E-COMMERCE
Ecommerce Payments, Online and In Store
Motus Financial sets up ecommerce payment processing for Wisconsin businesses that sell online, in a store, or both. We help you choose and connect the pieces: a merchant account, an online gateway or shopping cart solution for credit, debit, and ACH acceptance, a way to take phone and mail orders, and a point of sale system for the counter.
Most retailers we talk to are not short on tools. The trouble is that the website, the register, and the bank deposits do not line up. Online orders live in one system, store sales in another, and refunds land wherever someone happened to issue them. This page explains how we approach online plus in-store checkout so the pieces work together, and how to find out what you are really paying today.
We are a locally owned merchant services company based in Sun Prairie, serving businesses across Wisconsin, with a local team that helps with setup and stays your point of contact after you go live.
Checkout Options for Online and In-Store Sales
Website Checkout
An online payment gateway connects your shopping cart to your merchant account so customers can pay by card at checkout. We help you confirm that the gateway works with your ecommerce platform before anything goes live.
Hosted Payment Page
If you mostly send invoices or take occasional online payments, a hosted payment page can be enough. You add a link to your website, and customers pay on the provider’s secure page with no terminal or extra equipment.
Phone and Mail Orders
A virtual terminal lets staff key in phone and mail orders from any computer, issue refunds, and email receipts, instead of forcing those orders through the online store.
In-Store POS
At the counter, a point of sale system takes chip, tap, and mobile wallet payments and tracks what sold. Motus is an official channel partner for Square and KORONA POS, and we help you pick the one that fits how your store runs.
Connecting Your Online Store and Your POS
An ecommerce POS system ties your website and your register to one product list and one stock count, so an item that sells online also comes off the shelf count. Whether that works for you depends on which POS and which ecommerce platform you use and how the two connect. We look at the exact connection with you, by name, and test it before you rely on it.
Square
Square is built for speed and simple setup. It is generally a good fit for boutique retail, cafes, and service businesses with a smaller catalog, and its wider ecosystem includes tools such as invoicing and online ordering for owners who want one connected platform. Our Square vs. KORONA POS comparison explains where each one fits.
KORONA POS
KORONA POS is built around inventory: real time stock counts, multi-location tracking, shrinkage reporting, and weight based pricing. It suits grocery, liquor, specialty food, and gift retailers with large catalogs. If you sell online too, confirm how your ecommerce platform would connect before you assume it will. Read more about KORONA POS for Wisconsin retailers.
Already running another POS or ecommerce platform? You do not have to start over to talk with us. Bring your current setup and we will tell you what can stay, what may need to change, and when your existing tools already fit. You can also read about our Square and KORONA POS channel partnership.
Gateway, Fraud, and Reconciliation at a Glance
Gateway Fit
Your gateway has to work with your specific shopping cart and plan, not just with ecommerce in general. We check that fit, help you choose between a hosted page and a checkout built into your site, and run test orders and refunds before launch.
Fraud Settings
Online and phone orders are card-not-present sales, which usually carry more risk than a card tapped in your store. Depending on your provider and plan, your gateway may offer address checks, security code checks, or 3-D Secure. We help you choose settings that stop obvious fraud without blocking good customers.
Reconciliation
Your store orders, gateway records, processor batches, and the money in your bank account rarely land on the same day. A short, regular routine that compares them, with online and in-store sales reported separately, keeps small gaps from turning into month-end surprises.
For the step-by-step version, with a launch and audit table, see our ecommerce checkout checklist for Wisconsin retailers.
Why Wisconsin Retailers Work With a Local Provider
Signing up directly with a POS platform gets you the software. It does not automatically get you someone who knows how your store should be configured. Our Sun Prairie team handles hardware selection, setup, and staff training, and stays your point of contact for hardware issues, software questions, and changes as your store grows.
We also do not start with a single default answer. Whether Square, KORONA POS, a gateway for your current website, or a simple hosted payment page is the right fit depends on your catalog, your sales channels, and how you keep your books. We recommend what fits, and we tell you when what you already have is working.
Ecommerce Payment Questions We Hear Most
For ecommerce payment processing you usually need a merchant account, a payment gateway or hosted payment page, and a checkout on your website that connects to it. If you only need customers to pay invoices online, a hosted payment page may be enough. If you run a full online store, the gateway has to work with your ecommerce platform, which we confirm before setup.
In many cases, yes. What matters is whether a gateway we can set up works with your platform and plan. Tell us which platform, plugins, and checkout you use today, and we will confirm your options before anything changes. If your current setup already fits, we will say so.
Often, but it depends on your POS, your ecommerce platform, and how they connect. Some connect directly and some need a separate connector. We help you check the specific connection and test how stock updates on both sides before you commit.
It depends on your inventory more than your website. Square is generally the better fit for smaller catalogs and owners who want fast setup and a broad set of connected tools. KORONA POS is generally the better fit for inventory heavy and multi-location retailers. In either case, confirm how your ecommerce platform connects. Our Square vs. KORONA POS guide covers the decision.
Start with the checks your gateway already offers, then watch what gets declined for the first few weeks so you are not turning away real customers. Which checks you have, and any added cost, vary with your gateway, processor, and plan. Ask your provider whether a given setting changes who carries the loss on a fraud chargeback.
We handle the payment side: the merchant account, the gateway or hosted payment page, the reporting that comes with them, and POS hardware and setup if you need it. Your web developer or ecommerce platform handles the store itself, such as the checkout pages, theme, and plugins. We can help with the gateway connection and testing, and we are glad to talk with your developer if that helps.
Part of our merchant services in Wisconsin, serving businesses statewide.
Get a Free Statement Review
Selling online and in store? Send us a recent processing statement and we will walk through it with you: what the card networks charge, what the processor adds, and how your online and in-store sales are set up today. No obligation. Call 608-819-8666 or Get a Free Statement Review online.
Our POS systems are designed to streamline in-store transactions. With features like inventory management, sales reporting, and customer tracking, our POS solutions help you run your business more efficiently. Our terminals are compatible with various payment methods, including chip cards, contactless payments, and mobile wallets.