MerchantLayer Information

We run a Shopify store, so we know the monthly ritual. Open the payout report, watch 2.9% plus 30 cents disappear from every order, and try not to think about it too hard. Then the BNPL invoice lands and takes another 4 to 6% off the biggest orders. It adds up to real money. MerchantLayer is the checkout suite we built to stop those bleeds. Three modules, one install. FeeLayer recovers your card processing fee at checkout. It runs on Shopify's own Cart Transform and Checkout Validation Functions, so the surcharge holds through Shop Pay, Apple Pay, and Google Pay. Built around US state and card brand surcharge rules. PayLayer adds ACH bank payments for regular consumer checkouts. Shopify's native ACH is reserved for Plus B2B stores. PayLayer covers everyone else through Stripe Financial Connections at 0.8%, capped at $5. FinanceLayer is layaway you run yourself, with e-signed agreements and ACH auto-debit. You keep the goods until the customer finishes paying. Not BNPL, not lending, and no third-party underwriter taking a cut. Pricing is flat: $9 a month per module, or $25 for all three. We never take a percentage of your revenue. A flat fee is software. A percentage is a tax. Based in Philadelphia. Built by a merchant who got tired of watching middlemen eat the margin.