Best practices for e-commerce payments: how to pay less in fees?

Priscila Alencar · 2026-10-07

Methods

Comparing different payment processors

Before deciding which payment processor to use, make a detailed comparison. Consider transaction fees, monthly fees, and chargeback fees. For example, the average credit card fee ranges from 2% to 5%, while platforms like PayPal can charge up to 4.5%. Use tools like FreeSpy to see which processors your competitors in your niche are using.

Negotiating fees with banks and platforms

If you already have a considerable sales volume, contact your bank or payment platform and negotiate your fees. Use sales data to back up your request. For example, if you process R$ 100.000 per month, you can ask for a 0.5% reduction in transaction fees. Keep in mind that every percentage point you save can add up to significant savings by the end of the month.

Using alternative payment gateways

Consider gateways that offer more competitive rates or additional services, such as early payouts. Gateways like PagSeguro or Mercado Pago may offer lower fees than major banks, especially for small and mid-sized e-commerce businesses. Also consider implementing direct payment solutions, which can reduce cart abandonment.

Analyzing the risks and benefits of each method

When choosing a payment method, assess the associated risks, such as fraud and chargebacks. Methods that offer seller protection, like PayPal, may have higher fees but provide added security. On the other hand, direct payment solutions may be cheaper but require stricter fraud management. Make a list of pros and cons for each option.

Implementing localized payment solutions for optimization

Adapt your payment options to your target audience. If you sell to Europe, consider implementing popular local methods, like iDEAL in the Netherlands or SOFORT in Germany. This can not only reduce fees, but also increase consumer trust and conversion rates. Study your audience’s buying behavior and implement the solutions that fit best.

Conclusion

Each of these practices can help reduce fees in your e-commerce business and improve the customer experience. Keep in mind that choosing a payment processor should be based on a careful cost-benefit analysis that takes your business profile into account.

What’s your average transaction fee right now?