Stop losing margin. Start banking it.
The simple checkout suite a Shopify and POS merchant wished they'd had. FeeLayer recovers your credit card processing fees the right way. PayLayer adds fully automated B2C ACH bank payments, something Shopify's native rails reserve for B2B. FinanceLayer runs in-house layaway when you want to offer it.
One install. $9 per module or $25 for the full suite. Flat monthly. No percentage of revenue.
2.9% + $0.30 recovered server-side via Cart Transform. Auto-waived in CT, MA, ME. Capped at 4%.
Get your card processing fee back at checkout. It holds through Shop Pay, Apple Pay, and Google Pay, so no wallet gets a free pass.
Your customer pays by bank transfer instead of card, and the whole flow runs itself: pay link emailed, order marked Paid. Shopify's own ACH is B2B-only, so PayLayer covers the consumer side at 0.8%, capped at $5 per transfer.
Run layaway yourself. You keep the goods until the customer finishes paying. No credit extension, no third-party underwriting.
See what you'd stop losing.
Every order takes one of two paths. Orders that move to bank transfer shrink the fee with PayLayer. Orders that stay on cards recover it with FeeLayer. Set the mix and see both.
Assumes Stripe standard card processing (2.9% + $0.30) and Stripe ACH (0.8%, capped at $5 per transfer). FeeLayer recovery is net of card processing on the surcharge itself; the fee auto-waives for orders shipping to CT, MA, and ME, which this estimate does not subtract. Each order takes one path, so the two figures never double-count. Your actual results depend on your processor, card mix, and how many buyers choose bank transfer.
A flat fee is software. A percentage is a tax.
Every card order pays it. Stripe, Shopify Payments, all of them. On a $500 order that's $14.80 of margin gone before you've packed the box.
Affirm, Klarna, Afterpay. They stack on top of the card fee, so a $1,000 installment plan costs you $60 or more before a cent of it reaches your bank.
One flat charge a month, all three modules, no volume caps. You pay the same $25 at $1K MRR that you pay at $1M.
I ran a Shopify and POS store. I built MerchantLayer for the version of me that needed it three years ago.
Every month I watched the same three line items drain my P&L: card processing fees on every order, BNPL middlemen taking another 4 to 6 percent on installment orders, and customers asking to pay by bank transfer when I had no good way to say yes. I tried every surcharge app and ACH workaround on the App Store. None of them got it right.
So I built the suite I wished I'd had. FeeLayer recovers card fees the way Visa, Mastercard, and state surcharge laws actually require. PayLayer brings B2C ACH bank transfers to Shopify, which on its own only offers ACH for B2B. FinanceLayer lets you offer in-house layaway without a third-party lender. One install. Flat fee. No revenue share. The way it should have been.
Read the whole thing before you install anything.
We write these guides for the merchant doing the research, not for a keyword. State-by-state surcharge rules, what ACH really costs, how the five payment methods stack up on price. Then decide whether you need us.
One app. Three modules.
Card fees, no bank-transfer option, BNPL taking a cut of your biggest orders. One module each. Stack all three for flat pricing with no volume caps.