All-in-One • Processor + Gateway • No Gateway Fees

Gateway

Built

for

The all-in-one payments solution built for WooCommerce. Fast payouts, seamless
checkout, and ZERO gateway fees. All risk levels welcome.

‍

Get Started

Book a Demo

Get Started in 5 Minutes

No complex setup. No developer needed

2 MIN

Install the Plugin

Install from Wordpress admin Panel

1 MIN

Get API Credentials*

Get your API keys from the MyCPO dashboard.

1 MIN

Configure Settings

Enter Keys in Woo settings

INSTANT

Accept Payments

Test and go live

* Your MyCPO merchant account must be approved before API credentials are issued. Unlike aggregators that approve instantly and review later, we complete underwriting and due diligence upfront — so once you're live, your account is fully verified and you won't face surprise holds, freezes, or interruptions.

All-in-One Payment Solution for WooCommerce

Why

Most merchants pay significantly higher fees for separate processors and gateways. We fixed that with a unified solution that saves you money on every transaction.

✓

Unified Power: Processor and gateway in one. No more complexity.

✓

Keep Your Profit: Zero gateway fees. Stop paying extra just to process payments.

✓

High Approval Rates: We support high-risk industries and a wide range of verticals where others can't.

✓

Total Control: Handle refunds, captures, and subscriptions without leaving WooCommerce.

Everything You Need for Growth

A complete payment ecosystem designed to maximize revenue and minimize friction.

All-in-One Solution

Unified processor + gateway. One portal, one support team, zero complexity.

Zero Gateway Fees

Keep 100% of your profits. No hidden charges, no gateway markup.

High-Risk Friendly

High approval rates for industries others reject.We process a wide range of verticals and risk levels.

Accept international transactions from customers worldwide

Process refunds automatically from within WooCommerce

Capture prior authorized transactions

Save customer payment methods securely

Streamline transactions with automated processing

Accelerate cash flow with fast payouts.

Easy refunds processed directly in WooCommerce

One portal, one support team for everything

Comprehensive fraud & chargeback protection

Simple, Comepetive Pricing

No hidden fees. No surprises. See exactly how MyCPO compares to other payment processors.

Features

Stripe

Square

Card Transaction Fee

2.75% + $0.25^¹

2.9% + $0.30

2.9%–3.3% + $0.30^²

Manually Entered Cards

No additional fee^¹Free

+0.50% surcharge

3.5% + $0.15

International Cards / Cross Border

+1.50%

+1.50%

Gateway Fee

Monthly Fee

$50.00/mo^¹

Varies^³

Setup Fee

Dispute & Chargeback Fees

From $10–$25^⁴

$15

High-Risk Support

✓

X (Enterprise only)

Dedicated Account Manager

✓

Data Breach Protection

$100K included^⁵

Not included

¹ Low-risk standard pricing shown. MyCPO determines the risklevel of each merchant during underwriting based on businesstype, industry vertical, and related risk factors. High-riskmerchants may be subject to adjusted transaction fees, additionalmonthly fees for enhanced risk monitoring, and/or modifiedterms. Final pricing — including any high-risk adjustments —will be confirmed prior to account activation, giving merchantsthe opportunity to review and accept terms or cancel beforegoing live. MyCPO reserves the right to reclassify a merchant'srisk level and/or pricing category based on processingperformance, periodic risk reviews, and ongoing due diligencefindings.

² Square's online transaction fee is 3.3% + $0.30 on their Freeplan ($0/mo). The lower rate of 2.9% + $0.30 requires their Plusplan at $49/mo or Premium plan at $149/mo.

³ Stripe and Square offer base plans with no monthly fee, butadditional tools, services, premium plans, and add-ons carrymonthly fees. Stripe offers tiered plans (e.g., Billing starting at$620/mo) and Square's Plus ($49/mo) and Premium ($149/mo)plans include lower processing rates and additional features.

⁴ Disputes involve multiple parties — the cardholder's issuingbank, the acquiring bank, card networks, and chargebackmanagement teams — and fees apply at each stage:

ViewBreakdown

Fee

Amount

When it Applies

Retrival Fee

$10.00

100$A cardholder's bank requests transaction information before filing a formal chargeback. This is an early opportunity to resolve the dispute before it escalates.

Chargeback Fee

$20.00

A formal chargeback is filed against a transaction.

Chargeback Reversal Fee

$15.00

A chargeback case is reversed in the merchant's favor, covering the cost of case preparation and representment.

Pre-Arbitration Fee

$25.00

A dispute escalates to arbitration with the card network, covering filing and case preparation costs.

Stripe charges a flat $15 per chargeback with no tiered dispute fees. Square charges $0 per chargeback but offers limited dispute support. MyCPO's fee structure reflects the hands-on work involved at every stage — real people reviewing cases, preparing evidence, and representing your business. MyCPO also provides comprehensive chargeback prevention tools and dedicated dispute management support to help minimize these fees. Unlike processors that may terminate accounts at the first sign of elevated chargebacks, MyCPO works with merchants through periods of higher dispute activity to bring ratios back to acceptable levels.

⁵ $100,000 in data breach protection included at no additionalcost for PCI-compliant merchants. Merchant must maintain PCIDSS compliance to qualify for coverage. MyCPO providesresources and support to help merchants achieve and maintainPCI compliance.

Interchange-Plus & Volume Discounts

Need custom pricing?

We offer interchange-plus (cost-plus) pricing and volume discounts for established and growing businesses. Interchange-plus pricing passes through the actual card network costs with a small fixed markup — giving you maximum transparency and often the lowest possible rates.

Not sure how we compare? Pricing in the payments industry is notoriously inconsistent — there are dozens of pricing models and rate structures out there. If you're not sure whether our standard pricing beats what you're paying now, send your most recent processing statement and we'll provide a free, no-obligation audit showing exactly how MyCPO stacks up. We will meet or beat any competitor's fees.

Email your statement for a free audit

lowerfees@getmycpo.com

Upload statement

Attach your latest processing statement (PDF) and we’ll analyze your fees

Thank you! Your submission has been received!

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Get Started

Is MyCPO Right for You?

MyCPO is built for merchants who need more than a basic payment processor. While platforms like Stripe and Square work well for very small or brand-new businesses, MyCPO delivers the most value for merchants who:

Process $25,000+ per month

At this volume, our lower transaction rate (2.75% + $0.25 vs. 2.9% + $0.30) more than offsets our $50 monthly fee — and the savings grow as your volume increases. The more you process, the more you keep*

Process $25,000+ per month

Not sure where you fall? and we'll help you figure out if MyCPO is the right fit — or email your latest processing statement to for a free pricing comparison.

* Estimated savings based on standard low-risk rates compared to Stripe's published 2.9% + $0.30 pricing. Actual savings depend on transaction size, card mix, and volume. High-risk merchants may have different rate structures.

Why Choose MyCPO?

Stop overpaying for standard payment gateways. Get more features for less

Other Gateways

What you get elsewhere

High setup fees

Delayed payouts

Closed source

MyCPO

What you get elsewhere

No setup fees

Free WooCommerce plugin

Lower transaction rates

Same-day payouts

Open source (GPL 3.0)

24/7 priority support

Advanced analytics

Competitive Pricing

What you get elsewhere

Custom & interchange-plus pricing available

Volume discounts for growing businesses

Free statement audit — we'll compare your current fees

Meet-or-beat pricing guarantee

Get Started

No credit card required • Quick application

Frequently Asked Questions

Everything you need to know about pricing, contracts, approvals, and more.

What does MyCPO cost?

MyCPO's standard pricing for low-risk merchants includes a $50/month account fee and a card transaction rate of 2.75% + $0.25 per transaction. There are no setup fees, no separate gateway fees, and no hidden charges. The WooCommerce plugin itself is free to install. High-risk or specialized industry merchants may have adjusted rates based on business type and risk profile — your specific pricing will always be confirmed before your account goes live, so there are no surprises.

How does MyCPO compare to Stripe and Square?

Our standard card transaction rate of 2.75% + $0.25 is lower than both Stripe (2.9% + $0.30) and Square (2.9%–3.3% + $0.30 depending on plan). MyCPO also charges no additional fee for manually entered cards. We include a dedicated account manager, $100,000 in data breach protection, and high-risk industry support.

Do you offer interchange-plus pricing or volume discounts?

Yes. We offer interchange-plus pricing and volume-based discounts for growing businesses.

Will you audit my current processing statements?

Email your processing statement to lowerfees@getmycpo.com and we'll provide a free analysis.

Are there any hidden fees?

No. All fees are disclosed in your Merchant Agreement before you sign.

What happens to my reserve after I close my account?

Reserves are typically maintained for nine months after closure before release.

What is a reserve account? Will my funds be held?

A reserve account may hold a portion of funds as security against chargebacks.

Is there an early termination fee?

An early termination fee may apply as detailed in the Merchant Agreement.

Is there a contract? What's the commitment?

MyCPO merchant accounts include a 3-year initial agreement that auto-renews for 2-year periods.

What kind of support do you offer?

Each merchant gets a dedicated account manager and 24/7 priority support.

What do I need to apply?

The application takes about 10 minutes and may require documentation.

Do you support high-risk businesses?

Yes. We support many high-risk industries subject to review.

Why don't you offer instant approval like Stripe or Square?

We complete underwriting upfront to ensure account stability.

How long does approval take?

Most applications are reviewed within 1–3 business days.

What is the $100K data breach protection?

Includes $100,000 in data breach protection if PCI compliant.

What is PCI compliance and do I need it?

PCI DSS is required for all businesses accepting credit cards.

Do you support subscriptions and recurring billing?

Yes. Supports WooCommerce Subscriptions.

What payment methods are supported?

Supports Visa, Mastercard, American Express, and Discover.

How do I install the MyCPO WooCommerce plugin?

Install from WordPress admin panel and enter API credentials.

Is the plugin compatible with my WordPress theme?

Works with standard WooCommerce-compatible themes.

How do chargebacks work?

You'll receive notification and can submit evidence. $20 fee per chargeback.

Can I manage refunds from within WooCommerce?

Yes. Process full or partial refunds directly from WooCommerce.

Do I get a personal guarantee or can just my business be on the account?

The Merchant Agreement includes a personal guarantee from principal(s).

How quickly will I receive payouts?

Standard payout schedule is 2–3 business days.

Legal Disclosure

Transparent. Secure. Compliant.

Transaction processing times may vary based on your merchant agreement. Standard payout schedule is 1-3 business days. Merchant account approval required before processing.

Processing rates vary by card type, transaction volume,business category, and risk profile. Standard pricing is listed above. Contact our team for interchange-plus or custom pricing.

Merchants are responsible for chargebacks and disputes in accordance with card network rules. MyCPO provides tools and services to help manage and prevent chargebacks.

While we strive for 99.9% uptime, MyCPO is provided "as is" without warranty. We are not liable for lost revenue due to service interruptions.

PCCI DSS Level 1

GDPR Compliant

GPL v3.0

3D Secure

MyCPO is a payment gateway service provider. We facilitate payment processing but are not a bank or financial institution. All payment processing is subject to approval and compliance with applicable laws. For complete terms, please review our Terms of Service, Privacy Policy, and Merchant Agreement.