Cirqle / Ecommerce payment processing

Checkout that converts.

Fast, secure online payments with the wallets your customers already use, fraud screening on every order and routing built to approve more good sales.

Hosted checkout & APIApple Pay · Google PayReal-time fraud screening
01 — The checkout

Every step built to keep the sale.

Product pageFast-loading, mobile-first payment UI
CartWallet buttons for one-tap checkout
PaymentTokenized card capture & secure authentication
AuthorizationFraud screening + intelligent routing
ApprovedLive in your dashboard instantly
02 — Features

Everything an online store needs.

01

Hosted checkout

Launch quickly with a secure, optimized payment page.

02

Direct API

Build exactly the experience you want.

03

Wallets

Apple Pay and Google Pay at checkout.

04

Fraud screening

Real-time checks without adding friction.

05

Intelligent routing

Paths evaluated to help more payments succeed.

06

Webhooks

Every payment event pushed to your systems.

07

Subscriptions

Recurring billing on tokenized cards.

08

Daily payouts*

For qualified merchants.

03 — Fewer false declines

Good customers get through.

Every declined good customer is a lost sale and often a lost customer. Routing and smart screening work together to approve more of the right transactions.

  • Multi-path intelligent routing
  • Adaptive fraud screening
  • Secure authentication flows
  • Decline reasons visible in analytics
Approval flow
Tokenized✓
Fraud screen✓ pass
Best route chosenPath B
AuthorizedAPPROVED
Questions

Ecommerce payments FAQ

It’s everything that happens when a customer pays online: capturing card or wallet details securely, authorizing the payment with the card networks and issuing bank, screening for fraud, and settling funds to your bank. See how card processing works.

Hosted checkout is the fastest way to start and keeps sensitive data off your servers. A direct API gives you full control over the experience. Many businesses start hosted and move to API later. Read how to accept payments on your website.

Yes. Wallet buttons are available at checkout so customers can pay in a tap.

Intelligent routing evaluates processing paths to help more good transactions succeed, while fraud screening stops bad ones. Our guide to reducing declines has more.

Cirqle integrates with custom websites, ecommerce platforms, subscription systems, APIs and shopping carts — with integration support from our team.

Merchant review typically happens in under 24 hours once your application is complete, and integration can begin straight after.

*Daily payouts for qualified merchants. Merchant review timing applies once a complete application is submitted.

Quick quote

Get a tailored quote in 20 seconds.

Three quick answers and a specialist comes back with pricing built for your business — no obligation.

Final scene — Your move

Turn checkout into your best feature.

Fast approval, smooth integration and a team that helps you launch.

Get approved
Merchant review in under 24 hoursDaily payouts for qualified merchantsReal people, 7 days a week