How-to guide
To integrate payments with checkout, you connect your checkout page to a PCI DSS-compliant gateway and processor through a hosted page, embedded fields, a plugin, or an API. With Avendo, the checkout you already run is connected to multiple processors, and each transaction is routed to the best available rate.
Published by AvendoLast updated November 2026
Yes. Avendo works with existing checkout pages, so a small online store can add multi-processor rate routing while shoppers keep seeing the same checkout. Avendo connects that checkout to multiple PCI DSS-compliant processors and automatically routes each transaction to the processor offering the best available rate in real time.
Most guides that rank for this topic explain one product's plugin for one platform. This page covers the general method first, so you understand what any integration involves, and then shows where Avendo fits.
Definition
Checkout payment integration is the connection between the page where a shopper enters card details and the systems that approve and settle the payment. A gateway carries the encrypted card data, a processor talks to card networks and banks, and a merchant account receives the funds. In the Avendo approach, that connection reaches several processors instead of one, and each payment is routed by rate.
PCI DSS is the card industry's data security standard, maintained by the PCI Security Standards Council. How your checkout collects card data shapes how much of that standard applies to you. Avendo works exclusively with PCI DSS-compliant processors and gateways, but you should still confirm your own duties.
| Method | How it works | Setup effort | Design control | Card data handling |
|---|---|---|---|---|
| Hosted payment page | Shopper is redirected to a page run by the gateway to pay | Low | Limited branding | Card data stays off your servers |
| Embedded payment fields | Gateway-hosted fields appear inside your own checkout page | Moderate | High | Card data stays off your servers |
| Platform plugin or app | Install the provider’s extension on your e-commerce platform | Low | Depends on platform | Depends on how the plugin collects data |
| Direct API | Your developers call the gateway API from your own code | High | Full | Heaviest responsibility if you handle raw card data |
These are general characteristics. Your provider's documentation decides the details for your platform.
Write down your e-commerce platform, how card details are collected today (hosted page, embedded fields, plugin, or API), your gateway, and every processor you use. This is the starting point for any change.
Collect total card volume, transaction count, average ticket, and total fees for the last 90 days, as ClearlyPayments recommends. Divide fees by volume to get your effective rate, the figure you want to lower.
Share your platform, processors, and volume with Avendo. Avendo works with existing checkout pages, so the conversation is about connecting what you have, not rebuilding it. Ask what the technical steps look like for your platform.
Avendo connects your checkout to multiple payment processors and works exclusively with PCI DSS-compliant processors and gateways. Confirm with Avendo which processors are available for your business.
Make sure your checkout passes billing address, email, and IP address with each payment. Checkout.com reports a populated IP address field drives an average acceptance increase of 0.35%, and a validated email adds 0.26%.
Once live, each transaction is routed to the connected processor offering the best available rate in real time. Use Avendo’s pricing and processing reports to compare your new effective rate against your 90-day baseline.
This outline describes the general flow. Avendo's team confirms the exact technical steps for your platform.
Plugin guides stop at "payments work." But a checkout wired to one processor locks every sale into that processor's rates. A checkout connected to several lets each transaction go to a better rate. That is the gap Avendo is built to close for online credit card processing for small business.
Checkout.com reports merchants providing data like device ID, IP, email, and billing address will qualify for a 0.05% fee reduction under one network initiative, rising to 0.10% with network tokens in the US. The fields your checkout sends are part of the integration.
Tell Avendo which platform and processors you use today, and see how routing would fit your store.
