Merchant accounts

Put a discount on the checkout you already run.

Connect Shopify, WooCommerce, BigCommerce, Magento, Wix, Squarespace, ClickFunnels, or WordPress or Direct API. Shoppers pay on hosted checkout. Percent off, dollar off, and buy one get one apply on the order. Receipts and settlement stay on the console.

The account

Checkout offers

Offers the store can attach at checkout.

A merchant publishes the discount. The shopper sees it on the quote. Some offers cover part of the price. A percent offer can cover all of it.

  1. 01

    Percent off

    From a small cut up to 100% of the item price. The quote shows what is left to pay.

  2. 02

    Dollar off and BOGO

    A fixed amount off, or buy N get N, on one product or the order.

  3. 03

    Your cart stays

    Shopify, WooCommerce, BigCommerce, Magento, Wix, Squarespace, ClickFunnels, or WordPress or Direct API. The storefront stays yours. Cards stay on hosted checkout.

  4. 04

    The book stays watched

    Review holds sit on the book, with a receipt for every sale.

01–04

How it works

From application to processing.

This path is for merchants. Approval, rates, and settlement follow underwriting and the merchant agreement.

  1. 01

    Open the merchant console

    Catalog, stores, and the offers that apply at checkout. Approval follows underwriting and the merchant agreement.

  2. 02

    Connect the storefront

    Shopify, WooCommerce, BigCommerce, Magento, Wix, Squarespace, ClickFunnels, or WordPress or Direct API sends the order. Shoppers pay on hosted Visa or Mastercard checkout.

  3. 03

    Take the payment

    Instant Digital Coupon applies back on the order. A signed webhook updates the store.

  4. 04

    Keep the book

    Receipts, risk holds, disputes, and settlement stay on the merchant console.

On the console

Merchant console

The book behind the store.

Catalog, coupons, receipts, and Instant Digital Coupon on one surface. No monthly fee to use the console.

Catalog, coupons, and sales

Journal SKUs, processor coupons (percent, dollar off, BOGO, fee-free), and debit sales with durable receipts.

Chargeback-ready receipts

Receipt snapshots plus SMS acknowledge and resend, so a dispute has a record.

Analytics by SKU × date

Sales reports sliced by SKU and date — what the store sold, and when.

Agreement-based fees

No monthly subscription to use the console. Transaction fees follow each merchant agreement.

Storefronts and Direct API

Hosted checkout for Shopify, WooCommerce, BigCommerce, Magento, Wix, Squarespace, ClickFunnels, and WordPress. The storefront stays; cards stay on UGOpayme.

Risk, stores, and disputes

Review holds, store hierarchy, and receipt disputes on one merchant surface.

Coupon types

  1. 01

    Percent off

    Percent off the item price, from a small cut up to 100%. Chain-wide or locked to one SKU. The quote shows what is left.

  2. 02

    Dollar off

    A fixed cents discount, optionally for one product or one store.

  3. 03

    Buy one get one

    Buy N get N on a quantity sale. Needs a catalog SKU and enough units in the cart.

  4. 04

    Fee-free

    Waive the checkout fee on top of a percent or dollar offer. With 100% off and the fee waived, the quote can be $0.

Merchant console preview

Merchant · Checkout offers

Preview

Volume

$12.4k

Journal

IDC checkouts

48

Today

Sessions

6

Hosted

Receipts

48

On file

A day

Checkout

From the catalog to a settled sale.

One storefront. One hosted checkout. The order, the receipt, and the dispute record stay together.

  1. 01

    Catalog

    The store sells from its catalog. An offer, when one is live, is on the quote before the charge.

  2. 02

    Checkout

    Visa or Mastercard on hosted checkout. Instant Digital Coupon applies on the order.

  3. 03

    Webhook

    The storefront receives the signed result and updates the order.

  4. 04

    Receipt

    A chargeback-ready snapshot, with SMS acknowledge when the store uses it.

  5. 05

    Settlement

    Sessions, disputes, and ACH settlement stay on the console after checkout.

Open a merchant account.

Get started in the console. Transaction fees follow the merchant agreement.