February 24, 2026
In e-commerce, every click counts, but traditional card payments are slowing the race. High fees, security hurdles, and failed transactions are costing sales and trust, as shoppers demand faster, safer ways to pay.
Traditional payment issues in e-commerce
The most pressing issue is chargebacks. They not only reverse a transaction, but merchants often lose the product and pay additional dispute fees. According to research, merchants pay up to 2.4x the original transaction amount. Chargebacks can also trigger provider penalties or even account suspension.
Card fees quietly cut into profits, often ranging between 1.5% and 3.5% per transaction. Merchants pay these fees to various intermediaries, card networks, and payment gateways, which collectively reduce net revenue on each transaction.
Card fraud and data breaches also remain top concerns in e-commerce. As fraud tactics evolve, card-based systems require expensive security and strict compliance just to stay protected.

FLIQA for e-commerce
FLIQA removes card networks and interchange fees, cutting processing costs by up to 50%. It enables secure account-to-account payments, fully eliminating chargebacks.
There are no hidden fees, and payments settle instantly or within a few hours. Every payment includes secure customer authentication, which helps prevent fraud and keeps the merchant compliant with financial regulations. Developer-centric APIs and pre-built integrations ensure full compatibility with leading e-commerce platforms and marketplaces.
By cutting costs and removing complexity, merchants don’t have to worry about financial operations.