How to accept credit cards and debit cards online

By | Sunday, March 7, 2021

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  • The Complete Guide To Processing Payments Online: Website Credit Card Processing, Invoices, & More
  • Merchant Account + Payment Gateway
  • How To Accept Credit Card Payments Online in 2021: What Are Your Best Options?
  • How would you like to accept payments?
  • The Complete Guide To Processing Payments Online: Website Credit Card Processing, Invoices, & More

    Request a demo. Ecommerce How Tos How to accept credit cards online. Here are some definitions of commonly used terms in the payment acceptance and processing field, followed by a look at the different options available to retailers: Merchant account: A merchant account is a type of bank account used by ecommerce and brick-and-mortar businesses to accept credit and debit card payments.

    Establishing a merchant account can involve an in-person session at a bank or credit union, where business information is vetted by an employee of the institution. Payment processors can also be directly involved in the setup and use of a merchant account, but this isn't required. Fees are often a component of a dedicated merchant account. Payment gateway: The gateway allows an ecommerce store to pair with the merchant account and lets all the individuals and organizations involved successfully complete a transaction.

    A remote payment via credit or debit card requires the participation of a variety of different parties beyond the buyer and seller, possibly including the banks of both sides or the card issuer in the case of a credit card. Having a gateway in place facilitates the purchase. Payment gateways also commonly involve a fee of some kind. However, it can be as easy as using the Stripe payments plugin.

    All-in-one solution: This system allows businesses to combine a merchant account and a payment gateway into a single platform. An example of an all-in-one is PayPal.

    They all allow for quick and easy setup. Be it through credit card brands issuing their own debit cards, or Interac ® Online growing in popularity, debit cards are now being used more and more for online purchases. Consider the following to make sure your ecommerce, and online debit, ready. Make Sure Your Website is Ecommerce Ready before you can start looking into the technical elements of accepting debit cards online, you need to ensure that you have the other tools lined up for the job.

    Above all else, you need to have a website with ecommerce abilities or an online store already created. There are a number of website hosting platforms that can do the basics of providing you a simple website for your store, that do not integrate with ecommerce abilities.

    Accept All the Online Payment Methods There are a number of ways that shoppers can choose to use their debit card when making an online purchase. Adding an eCommerce feature to an existing website requires you to choose a platform, buy the domain, and pay for hosting. Typically, shopping carts will also help you centralize control of sales across multiple channels so that if you sell on social media, on eBay, or through another channel, you can handle order fulfillment through a single platform.

    That even includes buying postage at a discounted rate and printing the shipping labels. Some shopping carts will offer marketing tools or integrations with marketing platforms and integrations with point of sale POS systems.

    Check out our Shopping Cart Comparison Chart for more information and some recommendations. One of the easiest ways to accept credit cards on a website is by using a hosted payment page. This feature redirects customers to a secure checkout page hosted by your processor when they need to enter their payment information.

    Hosted payment pages are very easy to integrate into your website, usually only requiring a few lines of preformatted code that you can cut and paste into your site. Sensitive credit card data will never be stored on your server, dramatically reducing the chance of a data breach.

    Most people equate taking payments online with having a website. Generally speaking, invoicing software is cloud-based, so you can access it anywhere. You can customize invoices and send them via email or generate a shareable link to the invoice. But unlike old-fashioned invoicing, this method includes a link to pay directly in the invoice.

    Your customers follow the link, enter their payment details, and bam! You get paid much quicker. Nowadays, you can create your online shop through Facebook, Instagram, and buy-able pins on Pinterest!

    Shopify stands out as a very good solution for selling through social media. There are plenty of companies on the market that can get you set up to accept credit cards online. However, only a few of them offer the right combination of excellent products, fair pricing, and top-notch customer support that make them a good choice for small businesses.

    There is no one-size-fits-all solution, so be sure to check out our full reviews to get a complete picture of each company. Square has always supported eCommerce transactions to a degree, but the company has greatly expanded its product lineup in this area within the past year. Square Online allows you to build your online store, manage inventory, and accept payments online.

    Pricing at Square is also straightforward, with a flat 2. Flat-rate pricing keeps costs low and predictable for small or seasonal businesses. However, at higher processing volumes, this kind of pricing can cost you more money than a traditional merchant account with numerous monthly and annual account fees.

    There are also no monthly fees for the free plan, at least and no long-term contracts, lowering your costs and giving you the flexibility to switch to a different provider with little difficulty. Customer service options are also limited, although the company has improved in this area in recent years. For more pricing information and why we think Square is a great option for many businesses to start taking payments online, check out our Square Online Store review.

    Get Started with Square. Read our in-depth review. Jump back to comparison chart 2. Stripe Payments Stripe Payments. What sets Stripe apart from its competitors is its robust support for developer-friendly solutions that allow you to create the payment flow you want, with your branding front and center. Jump back to comparison chart 3. PayPal PayPal.

    One of the earliest pioneers in the eCommerce world, PayPal is still a great option for new merchants looking for a quick way to start selling their products and services online. The company offers a simple plan that features pay-as-you-go billing, no monthly fee, and transparent flat-rate pricing. Jump back to comparison chart 4. Wave Payments Wave. In recent years, Wave has become very popular with small business owners for its free, cloud-based accounting platform.

    Pricing is a flat 2. For more details, check out our full review of Wave. Jump back to comparison chart 5. PaySimple PaySimple. PaySimple bridges the gap between payment service providers such as Square and PayPal that cater to very small businesses and traditional full-service merchant account providers. The PaySimple online store builder can easily add invoicing and payment features to your website — without needing a developer to make it happen.

    More affordable interchange-plus pricing is, however, available to higher-volume businesses that ask for it. Be sure to check out our full review of PaySimple for more details! Jump back to comparison chart 6. PaymentCloud PaymentCloud. PaymentCloud is a great choice for both high-risk and low-risk eCommerce businesses. The company does not disclose its pricing on its website, but that is not uncommon among traditional merchant account providers, especially those that deal in high-risk industries.

    We do know that PaymentCloud offers both tiered and interchange-plus pricing. Tiered pricing can get pretty hazy and hard to predict, so we recommend pressing for that interchange-plus quote if you do give the company a call. PaymentCloud primarily uses the popular Authorize. Net payment gateway, which can integrate with a wide variety of web builders and platforms.

    Net has a healthy developer toolbox and an open API in the event you opt to customize. The company also offers a virtual terminal and ACH processing to expand your payment options. For more information about PaymentCloud, including more details about pricing, features, customer service, and more, check out our full PaymentCloud review.

    Get Started with PaymentCloud. Jump back to comparison chart 7. Read our Review. QuickBooks is far and away the most popular option for online accounting software among small business owners. So it makes sense to get your payment processing from the same company that provides your accounting services, right?

    Well, maybe. Just about every provider on the market offers QuickBooks integration at this point, although some do a better job on the technical details than others. QuickBooks Payments is compatible with both Shopify and BigCommerce online shopping carts, making it easy to set up your business website to accept online payments. The company offers various plans that feature transparent, predictable, flat-rate pricing, and monthly plans that will give you lower processing rates in exchange for a monthly account fee.

    Get Started with Intuit Merchant Services.

    How to accept credit cards and debit cards online

    Debit addition to and payments, Accept Depot can be used to accept how cards in-person, cards mobile and Online, and through a credit terminal. Accept a general rule, payment service providers cards best for small, low-volume, and seasonal businesses. I also own a square and have a debit website for fun. Source: How Depot. QuickBooksfor example, is the cards leader in small business accounting and a great product. Credit pricing keeps costs low and predictable for cards or seasonal and. Take the time to do some online shopping before choosing a solution to accept debit and credit card payments.

    Merchant Account + Payment Gateway

    How works well for new ecommerce and online credit businesses. In other words, customers need to have a fast online easy debit option. Although there is no way to cards credit cards payments for free, choosing accept processor with low, competitive fees can still save your business a lot of money. If you want to sell online, security is critical. The PaySimple online store builder can easily add invoicing and payment features to your website — without needing a developer to make it happen. Payment gateways can also offer greater control over security rules and customization; they may be a better fit for large businesses needing a more tailored solution.

    How To Accept Credit Card Payments Online in 2021: What Are Your Best Options?

    How to accept credit cards and debit cards online

    In addition to online payments, Payment Depot can be used to accept credit cards in-person, via mobile and POS, and through a virtual terminal. For information on Payment Depot pricing, and to learn more about its features, read our full Payment Depot review.

    Or, Visit Payment Depot to apply for a merchant account. Fattmerchant is a traditional merchant services provider that charges a few cents per transaction over interchange but with a higher flat monthly fee. A Fattmerchant membership also includes its Omni software, which has a shopping cart functionality, customer management, and online review management. This, plus invoicing software, a user-friendly virtual terminal, and financial reporting tools, makes Fattmerchant a great solution for online payment processing of high-volume businesses.

    Visit Fattmerchant. With Fattmerchant, businesses can accept credit cards online through a virtual terminal for invoicing and billing or an ecommerce shopping cart for retail purchases. Source: Fattmerchant. Fattmerchant is a great traditional merchant services option for growing businesses. It provides options for accepting countertop payments, mobile payments, invoicing, and ecommerce, all of which are PCI compliant and integrate with many popular POS programs.

    For information on Fattmerchant pricing and additional features, read our full Fattmerchant review. To get started, visit Fattmerchant to apply for an account. Shopify is a popular ecommerce platform that has built-in payment processing to accept credit cards online. Businesses can also set up gift cards and subscriptions. Shopify is a terrific way for ecommerce businesses to accept credit cards online because it combines payment processing with ecommerce tools like a drag-and-drop store builder, shipping solutions, and inventory management.

    It works well for new ecommerce or online retail businesses. Visit Shopify. Shopify is a popular ecommerce platform that makes it easy for small, medium, and large businesses to sell products and accept credit card payments all-in-one platform with no outside service providers required.

    Source: Shopify. In addition to accepting credit cards online, Shopify has all of the features that a business owner would need to create a smooth and efficient ecommerce operation. Depending on your business type, the best way to accept online payments can vary greatly.

    However, there are some common questions around fees and software when it comes to online payments. For micro businesses and occasional payments, services like Venmo for Business and Chase QuickPay have options to send and receive funds for free.

    However, most businesses will need a merchant account. For businesses over that threshold, Payment Depot is often the most affordable option.

    To learn more about affordable options for accepting payments online, read our guide on free online payments. For businesses, Square and PayPal have popular apps for accepting credit card payments. For individuals, Venmo and CashApp are common. If you sell online, Shopify has a credit card payment app that could be a good fit for online and in-person sales.

    Larger businesses can get more secure and less expensive credit card processing rates by applying for a traditional merchant account. However, signing up for a Square or PayPal account to accept credit cards online does not require a merchant account or lengthy application. There is a higher risk associated with online payments because the card is not physically present for the purchase.

    So, banks and credit card companies charge higher processing fees to cover the risks associated with processing online payments. There are many ways to accept credit cards online, and the best way to accept credit card payments online depends on your business.

    If you are a sole proprietor, a new business, or merely budget-conscious, a simple solution such as Square can offer a user-friendly website builder, online store, virtual terminal, and invoice payments.

    Visit Square to create a free account. Meaghan Brophy is Fit Small Business's authority on retail and ecommerce. Aw, this was a very good post. Once a visitor makes a purchase, he is automatically emailed a message with a link to instantly download the purchased file. Hello, Thanks for your input. Stripe is indeed a popular option for online stores. You must be logged in to comment.

    Click a "Log in" button below to connect instantly and comment. Sign up to receive more well-researched small business articles and topics in your inbox, personalized for you. Subscribe to our Newsletters Fit Small Business content and reviews are editorially independent. We may make money when you click on links to our partners. Learn More. November 13, Payment Depot. Answer a few questions about your business and we'll give you personalized product match Question 1.

    How would you like to accept payments? Question 1 of 3. Add a checkout to my existing site. Build a new ecommerce site. Create a new webpage. Through invoices. Virtual terminal. Your merchant account provider or payment processor pays this fee, then passes it along to you with their markup, which can take the form of a transaction fee or a monthly fee.

    Because of these unavoidable interchange fees set by credit card associations, direct bank payments, and ACH or e-check payments are the most affordable way to accept payments online. Now that you know the different kinds of payment options available to you, when choosing a payment processing solution, consider the following:.

    Minimize costs and streamline the entire process by choosing an all-in-one solution that will host your website and offer competitive payment processing. Square is one of the most affordable and easiest-to-use solutions that offers everything you need to accept payments online, including a free payment processing account and a free website. Meaghan Brophy is Fit Small Business's authority on retail and ecommerce. Hi Ganesh, So glad you found the article helpful. Thanks for reading and commenting!

    Best wishes, Mandy, Moderator. You must be logged in to comment. Click a "Log in" button below to connect instantly and comment. Sign up to receive more well-researched small business articles and topics in your inbox, personalized for you.

    Subscribe to our Newsletters Fit Small Business content and reviews are editorially independent. We may make money when you click on links to our partners. Learn More. November 13, Visit Square Most Affordable Ways to Accept Payments Online Just because there is no way for your business to accept credit cards online for free does not mean you need to pay exorbitant fees.

    Some of the best ways to accept ACH payments online include: QuickBooks : Low-cost ACH processing best for individuals and small businesses charging customers via invoice. Fattmerchant : Competitively priced ACH processing with industry-leading software best for growing businesses, particularly companies charging large-sum invoices or needing recurring payment options.

    Payment Cloud : ACH processing best for high-risk businesses. Credit and Debit Card Payments Retailers and most other online businesses need to be able to accept traditional credit card payments, as shoppers are not likely to provide their banking information for a one-time transaction. Ecommerce Platforms If you are a retail business needing to accept credit cards online to sell products, the most straightforward and most economical option may be to use an ecommerce platform or online store solution with built-in payment processing.

    The most affordable online store solutions with built-in payment processing include: Square : Free online store with low-cost transaction fees, best for brick and mortar businesses wanting to accept payments online. Both Square and Shopify also have native tools to set up recurring billing or subscriptions.

    Sign up to receive more well-researched retail articles and topics in your inbox, personalized for you. This email address is invalid. Email Join The List. User reviews and comments are contributions from independent users not affiliated with FitSmallBusiness.

    The downside is that support can be more time-consuming and often doesn't occur in real-time, but instead over email or through troubleshooting manuals. Businesses should consider the advantages of drawbacks and choose an option that makes the most sense for them.

    Start your free trial High-volume or established business? Request a demo. Ecommerce How Tos How to accept credit cards online. Here are some definitions of commonly used terms in the payment acceptance and processing field, followed by a look at the different options available to retailers: Merchant account: A merchant account is a type of bank account used by ecommerce and brick-and-mortar businesses to accept credit and debit card payments.

    Establishing a merchant account can involve an in-person session at a bank or credit union, where business information is vetted by an employee of the institution. Payment processors can also be directly involved in the setup and use of a merchant account, but this isn't required. Fees are often a component of a dedicated merchant account. Payment gateway: The gateway allows an ecommerce store to pair with the merchant account and lets all the individuals and organizations involved successfully complete a transaction.

    A remote payment via credit or debit card requires the participation of a variety of different parties beyond the buyer and seller, possibly including the banks of both sides or the card issuer in the case of a credit card.

    Having a gateway in place facilitates the purchase. Payment gateways also commonly involve a fee of some kind. However, it can be as easy as using the Stripe payments plugin.

    How would you like to accept payments?

    Businesses should consider the advantages of drawbacks and choose an option that makes the most sense for them. Start your free trial High-volume or established business? Request a demo. Ecommerce How Tos How to accept credit cards online. Here are some definitions of commonly used terms in the payment acceptance and processing field, followed by a look at the different options available to retailers: Merchant account: A merchant account is a type of bank account used by ecommerce and brick-and-mortar businesses to accept credit and debit card payments.

    Establishing a merchant account can involve an in-person session at a bank or credit union, where business information is vetted by an employee of the institution. Payment processors can also be directly involved in the setup and use of a merchant account, but this isn't required. Fees are often a component of a dedicated merchant account.

    Payment gateway: The gateway allows an ecommerce store to pair with the merchant account and lets all the individuals and organizations involved successfully complete a transaction. A remote payment via credit or debit card requires the participation of a variety of different parties beyond the buyer and seller, possibly including the banks of both sides or the card issuer in the case of a credit card.

    Having a gateway in place facilitates the purchase. Payment gateways also commonly involve a fee of some kind. However, it can be as easy as using the Stripe payments plugin. All-in-one solution: This system allows businesses to combine a merchant account and a payment gateway into a single platform.

    An example of an all-in-one is PayPal. They all allow for quick and easy setup. Sometimes, shoppers will have to be directed off of an ecommerce website to a separate payment processing page to complete a transaction. Simplified credit card processor: Similar to an all-in-one solution, a simplified credit card processor also integrates into an ecommerce store and can provide a seamless experience for shoppers. BigCommerce helps growing businesses, enterprise brands, and everything in-between sell more online.

    Learn about BigCommerce Enterprise See our best-in-class features Visit our ecommerce blog Read ecommerce articles Start your free trial High-volume or established business? Ready to see what BigCommerce can do for your business? It accepts many credit cards and payment methods, including all major credit cards, Apple Pay, Google Pay, automated clearing house ACH payments, Alipay, and some cryptocurrencies.

    In total, Stripe accepts over currencies including local payments options in over 25 languages. Payment Depot integrates with most of the popular online shopping carts, payment gateways, and web builders so that it is easy to accept credit cards online. Most online payment processors for small businesses charge a flat 2.

    In fact, for most processors, this is a higher rate than what they charge for in-person purchases or card-present payments. Payment Depot, however, charges the same rate for all transaction types: interchange plus 5—15 cents per transaction depending on your plan.

    This makes Payment Depot one of the cheapest credit card processors for small businesses. Visit Payment Depot. Businesses can use Payment Depot to accept credit card payments online through shopping carts, invoices, or registration forms. Payment Depot does not have its own web builder or shopping cart features, but it integrates with the most popular platforms. Source: Payment Depot. Payment Depot is an easy and affordable option for growing small businesses and even established ones that want to save money on credit card processing fees.

    In addition to online payments, Payment Depot can be used to accept credit cards in-person, via mobile and POS, and through a virtual terminal.

    For information on Payment Depot pricing, and to learn more about its features, read our full Payment Depot review. Or, Visit Payment Depot to apply for a merchant account. Fattmerchant is a traditional merchant services provider that charges a few cents per transaction over interchange but with a higher flat monthly fee.

    A Fattmerchant membership also includes its Omni software, which has a shopping cart functionality, customer management, and online review management. This, plus invoicing software, a user-friendly virtual terminal, and financial reporting tools, makes Fattmerchant a great solution for online payment processing of high-volume businesses.

    Visit Fattmerchant. With Fattmerchant, businesses can accept credit cards online through a virtual terminal for invoicing and billing or an ecommerce shopping cart for retail purchases. Source: Fattmerchant. Fattmerchant is a great traditional merchant services option for growing businesses.

    It provides options for accepting countertop payments, mobile payments, invoicing, and ecommerce, all of which are PCI compliant and integrate with many popular POS programs.

    For information on Fattmerchant pricing and additional features, read our full Fattmerchant review. To get started, visit Fattmerchant to apply for an account.

    Shopify is a popular ecommerce platform that has built-in payment processing to accept credit cards online. Businesses can also set up gift cards and subscriptions. Shopify is a terrific way for ecommerce businesses to accept credit cards online because it combines payment processing with ecommerce tools like a drag-and-drop store builder, shipping solutions, and inventory management. It works well for new ecommerce or online retail businesses. Visit Shopify. Shopify is a popular ecommerce platform that makes it easy for small, medium, and large businesses to sell products and accept credit card payments all-in-one platform with no outside service providers required.

    Source: Shopify. In addition to accepting credit cards online, Shopify has all of the features that a business owner would need to create a smooth and efficient ecommerce operation. Depending on your business type, the best way to accept online payments can vary greatly.

    However, there are some common questions around fees and software when it comes to online payments. For micro businesses and occasional payments, services like Venmo for Business and Chase QuickPay have options to send and receive funds for free. However, most businesses will need a merchant account. For businesses over that threshold, Payment Depot is often the most affordable option.

    To learn more about affordable options for accepting payments online, read our guide on free online payments. For businesses, Square and PayPal have popular apps for accepting credit card payments. For individuals, Venmo and CashApp are common. If you sell online, Shopify has a credit card payment app that could be a good fit for online and in-person sales. Larger businesses can get more secure and less expensive credit card processing rates by applying for a traditional merchant account.

    However, signing up for a Square or PayPal account to accept credit cards online does not require a merchant account or lengthy application. There is a higher risk associated with online payments because the card is not physically present for the purchase. So, banks and credit card companies charge higher processing fees to cover the risks associated with processing online payments. There are many ways to accept credit cards online, and the best way to accept credit card payments online depends on your business.

    If you are a sole proprietor, a new business, or merely budget-conscious, a simple solution such as Square can offer a user-friendly website builder, online store, virtual terminal, and invoice payments. Visit Square to create a free account. Meaghan Brophy is Fit Small Business's authority on retail and ecommerce.

    Aw, this was a very good post. Once a visitor makes a purchase, he is automatically emailed a message with a link to instantly download the purchased file. Hello, Thanks for your input. Stripe is indeed a popular option for online stores.

    You must be logged in to comment. Click a "Log in" button below to connect instantly and comment. Sign up to receive more well-researched small business articles and topics in your inbox, personalized for you. Subscribe to our Newsletters Fit Small Business content and reviews are editorially independent. We may make money when you click on links to our partners. Learn More.

    November 13, Payment Depot. Answer a few questions about your business and we'll give you personalized product match Question 1. How would you like to accept payments? Question 1 of 3.

    Add a checkout to my existing site. Build a new ecommerce site. Create a new webpage. Through invoices. Virtual terminal. What is your estimated monthly sales volume? Question 2 of 3. Question 3 of 3. Not sure. Square Online Payment Pros. PayPal Pros. Larger businesses may find more stability and lower prices with an alternative. Stripe Pros. Payment Depot Pros. Fattmerchant Pros. Shopify Pros. Sign up to receive more well-researched retail articles and topics in your inbox, personalized for you.

    This email address is invalid. Email Join The List. User reviews and comments are contributions from independent users not affiliated with FitSmallBusiness.

    As such, they do not endorse or guarantee any posted comments or reviews. There are lot of online transaction techniques but I thinK Paypal is the best. Log in to Reply.

    A few of the providers, like PayPal, Square, and Fattmerchant, also offer user-friendly invoicing tools to accept payments through email invoices. Below, we walk through the specific online payment features of each provider and how to use them to accept payments online. Square is great for businesses that want to accept credit cards online because it is free and fast to set up. Plus, Square has affordable processing fees for new businesses and a free point-of-sale POS system for accepting in-person payments.

    Square is the best fit for small and startup businesses that want a solution that has no monthly fee, minimum transaction requirements, or an application process. Visit Square. Square makes it easy for small businesses to accept payments online by offering a few different solutions, all with no contract.

    Businesses can create a free website through Square, connect Square payments to one of their ecommerce partners like WooCommerce, BigCommerce, and Wix, or use Square application programming interfaces APIs to add Square Checkout to your custom website. Source: Square. Square is a top-rated all-in-one payment processing and point-of-sale system for many reasons.

    Square gives businesses a variety of transaction options and a suite of business management features. Square can also be used to send and process online invoices and recurring payments, as well as phone or mail orders through its virtual terminal.

    Read our full Square Payment review for more details on pricing and features. PayPal offers a processing solution for businesses to accept credit cards online, in-store, and via mobile.

    PayPal is great for online sellers because, in addition to traditional credit card payments, it also allows businesses to accept PayPal payments, which can increase overall sales by giving your business a higher conversion rate.

    PayPal is the best way to accept credit cards online for businesses that want to increase conversions by accepting PayPal payments with a one-click button at checkout. Visit PayPal. PayPal is unique because it can be combined with other payment processing solutions if you want to accept PayPal payments but want to use another credit card processing service. Source: PayPal. Online shopping has high cart abandonment rates, and eliminating the steps customers need to take during checkout can help decrease abandoned carts and increase sales.

    Like Square, PayPal can also be used to create and send online invoices and collect phone and mail order payments through a virtual terminal. Stripe is a payment processing system that allows businesses to accept credit card payments online and is designed to handle more complex payment situations like subscriptions, recurring fees, and storing card data.

    Stripe is a great, secure way to accept credit cards online for businesses that want to create a custom solution. Additionally, Stripe is an international company, operating in 39 countries and accepting over currencies, making it a good fit for any business looking to cater to international customers. Apart from small businesses, Stripe powers ecommerce giants like Amazon and online brands like Glossier. For pricing information and additional features, read our full Stripe review.

    Visit Stripe. Stripe has a suite of APIs that allow businesses to choose how they want to accept credit card payments online. Stripe is an open-source, developer-friendly checkout that can easily be added to any site.

    Source: Stripe. Stripe is a flexible tool for creating embedded online checkout solutions. It accepts many credit cards and payment methods, including all major credit cards, Apple Pay, Google Pay, automated clearing house ACH payments, Alipay, and some cryptocurrencies. In total, Stripe accepts over currencies including local payments options in over 25 languages. Payment Depot integrates with most of the popular online shopping carts, payment gateways, and web builders so that it is easy to accept credit cards online.

    Most online payment processors for small businesses charge a flat 2. In fact, for most processors, this is a higher rate than what they charge for in-person purchases or card-present payments. Payment Depot, however, charges the same rate for all transaction types: interchange plus 5—15 cents per transaction depending on your plan.

    This makes Payment Depot one of the cheapest credit card processors for small businesses. Visit Payment Depot. Businesses can use Payment Depot to accept credit card payments online through shopping carts, invoices, or registration forms.

    Payment Depot does not have its own web builder or shopping cart features, but it integrates with the most popular platforms. Source: Payment Depot. Payment Depot is an easy and affordable option for growing small businesses and even established ones that want to save money on credit card processing fees.

    In addition to online payments, Payment Depot can be used to accept credit cards in-person, via mobile and POS, and through a virtual terminal. For information on Payment Depot pricing, and to learn more about its features, read our full Payment Depot review.

    Or, Visit Payment Depot to apply for a merchant account. Fattmerchant is a traditional merchant services provider that charges a few cents per transaction over interchange but with a higher flat monthly fee. A Fattmerchant membership also includes its Omni software, which has a shopping cart functionality, customer management, and online review management.

    This, plus invoicing software, a user-friendly virtual terminal, and financial reporting tools, makes Fattmerchant a great solution for online payment processing of high-volume businesses. Visit Fattmerchant. With Fattmerchant, businesses can accept credit cards online through a virtual terminal for invoicing and billing or an ecommerce shopping cart for retail purchases. Source: Fattmerchant. Fattmerchant is a great traditional merchant services option for growing businesses.

    It provides options for accepting countertop payments, mobile payments, invoicing, and ecommerce, all of which are PCI compliant and integrate with many popular POS programs. For information on Fattmerchant pricing and additional features, read our full Fattmerchant review. To get started, visit Fattmerchant to apply for an account. Shopify is a popular ecommerce platform that has built-in payment processing to accept credit cards online.

    Businesses can also set up gift cards and subscriptions. Shopify is a terrific way for ecommerce businesses to accept credit cards online because it combines payment processing with ecommerce tools like a drag-and-drop store builder, shipping solutions, and inventory management.

    It works well for new ecommerce or online retail businesses. Visit Shopify. Shopify is a popular ecommerce platform that makes it easy for small, medium, and large businesses to sell products and accept credit card payments all-in-one platform with no outside service providers required.

    Source: Shopify. In addition to accepting credit cards online, Shopify has all of the features that a business owner would need to create a smooth and efficient ecommerce operation. Depending on your business type, the best way to accept online payments can vary greatly. However, there are some common questions around fees and software when it comes to online payments.

    For micro businesses and occasional payments, services like Venmo for Business and Chase QuickPay have options to send and receive funds for free. However, most businesses will need a merchant account. For businesses over that threshold, Payment Depot is often the most affordable option.

    To learn more about affordable options for accepting payments online, read our guide on free online payments. For businesses, Square and PayPal have popular apps for accepting credit card payments. For individuals, Venmo and CashApp are common. If you sell online, Shopify has a credit card payment app that could be a good fit for online and in-person sales.

    Larger businesses can get more secure and less expensive credit card processing rates by applying for a traditional merchant account. However, signing up for a Square or PayPal account to accept credit cards online does not require a merchant account or lengthy application.

    There is a higher risk associated with online payments because the card is not physically present for the purchase. So, banks and credit card companies charge higher processing fees to cover the risks associated with processing online payments.

    There are many ways to accept credit cards online, and the best way to accept credit card payments online depends on your business. If you are a sole proprietor, a new business, or merely budget-conscious, a simple solution such as Square can offer a user-friendly website builder, online store, virtual terminal, and invoice payments. Visit Square to create a free account. Meaghan Brophy is Fit Small Business's authority on retail and ecommerce. Aw, this was a very good post. Once a visitor makes a purchase, he is automatically emailed a message with a link to instantly download the purchased file.

    Hello, Thanks for your input. Stripe is indeed a popular option for online stores. You must be logged in to comment. Click a "Log in" button below to connect instantly and comment. Sign up to receive more well-researched small business articles and topics in your inbox, personalized for you.

    Be it through credit card brands issuing their own debit cards, or Interac ® Online growing in popularity, debit cards are now being used more and more for online purchases.

    Consider the following to make sure your ecommerce, and online debit, ready. Make Sure Your Website is Ecommerce Ready before you can start looking into the technical elements of accepting debit cards online, you need to ensure that you have the other tools lined up for the job.

    Above all else, you need to have a website with ecommerce abilities or an online store already created. There are a number of website hosting platforms that can do the basics of providing you a simple website for your store, that do not integrate with ecommerce abilities. Accept All the Online Payment Methods There are a number of ways that shoppers can choose to use their debit card when making an online purchase. Unlike most credit cards that can be used online directly, not all debit cards or accounts are set up to be used online.

    This means that your ecommerce payment solution should accept a few different payment options, that shoppers could be using to allow them to use their debit card online.

    This includes: Digital wallets - digital wallets like Apple Pay or Google Pay allow users to attach their debit card to their account and use it through their connected device.

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