PaySec + WooCommerce: Eliminate Credit Card Processing Fees on Your Online Store
How WooCommerce store owners are using PaySec's Network Offset Pricing integration to eliminate processing fees — without sacrificing customer experience or conversion rates.
If you run an online store on WooCommerce, credit card processing fees are one of your largest hidden expenses. At 2.9% + $0.30 per transaction (the industry standard for e-commerce), a store doing $50,000/month in sales is losing over $17,400 per year to payment processors.
PaySec's WooCommerce integration changes the equation entirely — bringing Network Offset Pricing to your online store so you can keep more of what you earn.
What Is the PaySec WooCommerce Integration?
PaySec integrates directly with WooCommerce through a dedicated payment gateway plugin. Once installed, the integration automatically:
- Displays dual pricing (cash/check price and card price) on product pages, cart, and checkout
- Calculates the Network Offset adjustment in real time based on cart total
- Processes payments securely through PaySec's PCI-compliant gateway
- Syncs transaction data with your WooCommerce order management
- Works alongside existing WooCommerce shipping, tax, and discount rules
The integration requires no theme modifications and works with all major WooCommerce themes and page builders.
The Real Cost of Processing Fees for WooCommerce Stores
| Monthly Revenue | Standard Rate (2.9% + $0.30) | Annual Processing Cost |
|---|---|---|
| $10,000 | ~$320/mo | $3,840 |
| $25,000 | ~$755/mo | $9,060 |
| $50,000 | ~$1,480/mo | $17,760 |
| $100,000 | ~$2,930/mo | $35,160 |
For most WooCommerce merchants, processing fees represent the third-largest operating expense after inventory/COGS and marketing spend.
How Network Offset Pricing Works on WooCommerce
With PaySec's integration, your store displays two prices for every product:
| Product | Cash/Check Price | Card Price |
|---|---|---|
| Wireless Headphones | $79.99 | $83.19 |
| Phone Case | $24.99 | $25.99 |
| Laptop Stand | $149.99 | $155.99 |
At checkout, customers see the total for their selected payment method clearly displayed before they complete their purchase. The transparency is built into the entire shopping flow — from product page to order confirmation.
Key Integration Features
Automatic Price Display: Both prices appear on product listings, individual product pages, and in the cart — no manual configuration per product required.
Smart Cart Calculation: The offset is calculated on the cart subtotal after coupons and discounts are applied, ensuring accuracy regardless of promotional pricing.
Multiple Payment Methods: Customers can choose between card payment (at the card price) or alternative methods like ACH/bank transfer (at the cash price).
Subscription Support: Works with WooCommerce Subscriptions for recurring billing with Network Offset Pricing applied consistently.
Tax Compatibility: Integrates cleanly with WooCommerce tax calculations — the offset is applied before tax, keeping sales tax accurate.
Why WooCommerce Store Owners Switch to PaySec
1. Processing Fees Eat Into Already-Thin E-Commerce Margins
The average e-commerce net profit margin is 10-15%. Processing fees at 2.9% represent 20-30% of net profit. Eliminating that cost fundamentally changes your unit economics.
2. Transparent Pricing Builds Customer Trust
Unlike hidden fees or surprise charges at checkout (which kill conversion rates), Network Offset Pricing shows both options upfront. Customers appreciate knowing exactly what they'll pay before they click "Place Order."
3. No Impact on SEO or Product Feed Pricing
PaySec's integration handles dual pricing at the display layer. Your product catalog, Google Shopping feeds, and structured data can reference your base (cash) price — maintaining competitive positioning in comparison shopping.
4. Simple Installation and Configuration
The PaySec plugin installs like any WooCommerce extension:
- Upload and activate the plugin
- Enter your PaySec merchant credentials
- Configure display preferences (price label text, badge style)
- Test in sandbox mode
- Go live
No developer required. No theme code changes. Setup takes under 30 minutes.
Conversion Rate Considerations
WooCommerce merchants often worry that dual pricing will reduce conversions. The data tells a different story:
- Average conversion impact: Less than 2% reduction in card transactions
- Offset by margin improvement: Even with a small conversion dip, net revenue increases because you retain 100% of margin on every sale
- Alternative payment adoption: 15-25% of customers opt for ACH/bank transfer when offered at the lower price point
A store doing $50,000/month that sees a 2% revenue reduction but eliminates $1,480/month in processing fees nets an additional $480/month in profit.
Technical Specifications
| Feature | Details |
|---|---|
| WooCommerce Version | 6.0+ |
| PHP Version | 7.4+ |
| WordPress Version | 5.8+ |
| PCI Compliance | Level 1 (PaySec handles all card data) |
| Tokenization | Yes — repeat customers get one-click checkout |
| 3D Secure | Supported for fraud reduction |
| Multi-Currency | USD (additional currencies coming soon) |
| API Access | Full REST API for custom implementations |
Getting Started
PaySec's WooCommerce integration is available to all PaySec merchants at no additional cost. The plugin is included with your merchant account and supported by PaySec's integration team.
Ready to stop losing thousands per year to processing fees?
Contact PaySec to set up your merchant account and get the WooCommerce plugin installed on your store. Most merchants are live within 48 hours of signing up.
PaySec specializes in Network Offset Pricing solutions for e-commerce and brick-and-mortar businesses. Our WooCommerce integration is used by thousands of online merchants across the United States.