Your Bank Wasn't Built For Your Business. Vellis Is.
E-commerce businesses face payment restrictions, account instability and banking friction that generic providers aren't equipped to handle at scale. Vellis provides payment processing and business banking directly — built for high-volume operations, cross-border sales and the evolving risk profile of online retail.
No intermediaries. You work directly with Vellis.
A fast-scaling industry where payment infrastructure either enables growth or kills it.
Yet payment restrictions and account instability remain among the top operational challenges for online merchants.
Your payment infrastructure needs to scale with it — or you'll lose ground to competitors who have solved this.
Revenue that was earned but never collected — because the infrastructure wasn't built to handle it.
The Real Problem
E-commerce is one of the fastest-growing sectors in the world — and one of the most exposed to payment infrastructure failures. Here's what holds online businesses back.
Your payment processor can't keep up with your growth — or your product range.
Scaling an e-commerce business means higher volumes, new markets and an expanding product catalogue. Each of those dimensions creates new risk exposure with mainstream processors. A product category that was fine at launch gets flagged as volumes grow. A new market triggers a compliance review. A chargeback spike during peak season puts your entire account at risk. Your processor was built for stable, predictable businesses — not for the pace of e-commerce.
Chargebacks are costing you more than just money.
High chargeback rates are inevitable in e-commerce — but how your processor handles them determines whether they become a manageable cost or an existential threat. Generic processors apply blanket thresholds, issue warnings without context, and terminate accounts when ratios exceed targets — regardless of the reason. A single bad month shouldn't put your entire revenue stream at risk.
Checkout friction is killing your conversion.
Every unsupported payment method, every failed international transaction, every checkout experience that doesn't match a customer's local expectations is a sale you lost. At scale, that friction compounds — and your competitors who've solved it are taking your customers.
Multi-currency and cross-border operations create hidden costs and operational complexity.
Selling internationally means managing FX, local payment methods, regional regulations and cross-border settlement — on top of running a business. Without the right infrastructure, international growth creates as many problems as it solves: hidden conversion fees, settlement delays, and banking setups that weren't designed for multi-market operations.
What Vellis Provides
Direct payment processing and business banking — built and operated by Vellis for the transaction volumes, risk profile and global ambitions of e-commerce businesses.
Payment processing
High-volume, stable processing
Accept payments at scale without account flags or sudden restrictions driven by volume spikes or product category changes.
Optimised checkout flows
Support for cards, digital wallets, Buy Now Pay Later and local payment methods across key markets.
Multi-currency processing
Sell in your customers' currency with live market rates and no hidden conversion margins.
Chargeback & fraud monitoring
Calibrated to e-commerce transaction profiles, with proactive monitoring to keep ratios within safe thresholds.
Pay by Link and virtual terminal support
Accept payments beyond the standard checkout for B2B orders, custom sales and phone orders.
Business banking
Accounts built for your revenue model
High-volume, online-first transaction profiles assessed by people who understand your business, not flagged by a generic algorithm.
Multi-entity structuring
Tailored for e-commerce groups operating across several markets or legal entities.
Fast onboarding
No months-long compliance reviews that treat you like an unknown risk.
EMI & fintech-backed accounts
Access to Vellis-operated solutions beyond what traditional banks to online businesses.
Dedicated sector expertise
Supported by people who understand e-commerce operations, not a generic helpdesk.
Pain Point to Outcome
What changes when your payment infrastructure is built for e-commerce scale.
Your current pain point
Account flagged or restricted as volumes grow
Chargebacks threatening your account status
Checkout friction losing you international sales
Hidden FX costs eating into international margins
Banking infrastructure that can't support your growth
New product categories triggering compliance reviews
What you get with Vellis
Stable processing built for high-volume, fast-growing operations.
Proactive monitoring calibrated to your transaction profile.
Multi-currency checkout with local payment methods across key markets.
Live market rates with no hidden conversion margins.
Multi-jurisdiction accounts built around your entity structure.
Infrastructure designed to grow with your catalogue, not flag it.
Why Vellis
Built for complex, high-volume and internationally operating businesses — with the track record to prove it.
Companies operating directly on Vellis infrastructure
Industries served, from e-commerce to high-risk.
Global
Coverage across multiple jurisdictions and currencies.
You work directly with Vellis — no intermediaries, no black boxes. From your first consultation to your live account, every step is handled by Vellis. You always know who owns your setup, who to call, and what happens next.
We were scaling fast across four markets and our previous processor couldn't keep up. Vellis had our multi-currency setup live in under three weeks — without the usual compliance back-and-forth.
COO, International E-Commerce Group
Who We Work With
Vellis directly serves e-commerce businesses at every stage of growth.
Online retailers
Scaling domestically or internationally, with payment infrastructure that grows with them.
Marketplaces and platforms
Managing high transaction volumes, multi-seller payouts and complex revenue flows.
High-chargeback merchants
Operating in categories with elevated dispute rates who need a processor that understands their profile.
Cross-border e-commerce businesses
Selling across multiple markets and currencies, needing consolidated payment and banking infrastructure.
How It Works
From first conversation to live infrastructure — handled directly by Vellis, start to finish.
Tell us about your business
Share your structure, product categories, volumes and target markets. Not a generic form — a real conversation with a Vellis specialist who understands the operational realities of e-commerce at scale.
We build the right setup for you
Vellis designs a payment and banking configuration tailored to your transaction profile, markets and growth stage. A single-market D2C brand and a multi-country marketplace have different needs — your setup reflects that.
Go live on Vellis infrastructure
Onboarding is guided by Vellis end-to-end. Once live, you operate directly on our infrastructure — with a dedicated point of contact, full visibility over your setup, and no middlemen in the chain.
Stop letting payment infrastructure limit how far your store can reach.
Global e-commerce is growing at over 14% a year. Your payment and banking infrastructure should grow with it — not slow it down. 500+ businesses already operate directly on Vellis.
FAQ
E-Commerce Businesses
Vellis is a direct provider — not a broker, not a referral service. We provide payment processing and business banking directly to your business. No intermediaries, no black boxes. You always know who owns your setup, who to contact, and how your payments and accounts are structured.
Yes. Account restrictions and terminations are common in e-commerce — especially for businesses in higher-chargeback categories or those scaling quickly. A previous restriction doesn't disqualify you. The only exception is if your business has been placed on a MATCH list.
Yes. Vellis operates globally, across any country that is not OFAC listed. We support e-commerce businesses selling across multiple markets, currencies and jurisdictions — with the payment and banking infrastructure to match.
Yes. From an emerging D2C brand to a high-volume international marketplace, the solution we build is always tailored to your actual structure, volumes and growth plans.
Yes. Generic processors apply risk logic designed for stable, predictable merchants — volume spikes, new product categories and international expansion all trigger flags that have nothing to do with actual risk. Vellis processes payments through infrastructure built for high-volume, fast-growing e-commerce operations. Your growth trajectory is accounted for from the start. The only case where it would be difficult for us to help is if your business has been placed on a MATCH list.
Yes, depending on your chargeback profile and history. We assess each case individually — a high chargeback rate in a recognised high-risk category is very different from a pattern of fraud. We'll give you an honest assessment during the consultation.
Vellis supports credit and debit cards, digital wallets, Buy Now Pay Later, bank transfers and a range of local payment methods depending on your target markets. We'll configure the right mix for your customer base during onboarding.
Yes. Vellis supports multi-currency processing so customers pay in their own currency. Exchange rates reflect live market conditions — no hidden margins or opaque conversion fees added on top.
When a chargeback occurs, you have a direct point of contact at Vellis — not a generic support queue. We review the case with you, help gather the relevant documentation, and manage the process on your behalf.
Unfortunately, yes. Traditional banks apply generic risk criteria that weren't designed for e-commerce revenue models. High transaction volumes, chargeback exposure and online-first business models can all trigger reviews that have nothing to do with any actual risk. Vellis accounts are managed by people who understand how e-commerce businesses operate. Your transaction profile is expected and understood — not flagged as unusual.
Yes. Multi-currency and multi-jurisdiction banking is core to what Vellis does. Rather than managing separate accounts in each market, Vellis structures your banking across jurisdictions from a single point of contact — as long as those countries are not OFAC listed.
A standard business bank account is built for a generic business profile. A Vellis account is structured around yours — your transaction volumes, product categories, entity structure and markets. In practice: fewer unexpected reviews, faster resolution when questions arise, and direct access to Vellis rather than a generic customer service system.
A real conversation — not a sales pitch. Format and timing are flexible: call, video or email, based on your preference. A Vellis specialist will ask about your business model, product categories, target markets, current payment and banking setup, and volumes. From there, you get a clear picture of what we'd recommend and what the process looks like. No pressure, no jargon, no commitment required.
For most e-commerce businesses, the process is done within a couple of weeks. After your consultation, we give you a clear timeline based on your specific structure and markets — with no surprises mid-application.
Standard business documentation, plus your website and processing history if available. For businesses in higher-risk categories, we may request additional information during the review. Vellis gives you a complete list upfront so there are no unexpected requests mid-process.