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💳 Save money on credit card processing with one our top 5 picks for 2021

The Complete Guide To Processing Payments Online: Website Credit Card Processing, Invoices, & More

    Frank Kehl
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Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.

eCommerce has been around for over 20 years now, and it’s gradually been overtaking traditional retail sales year after year. That was until 2020, when the ongoing COVID-19 pandemic began, forcing customers to rely more on online sales and creating a massive surge in eCommerce that doesn’t show any signs of letting up. As early as May 2020, total online spending had increased by a whopping 77% from the previous year.

Whether you’re a new business owner or just looking to add an eCommerce sales channel to your existing business, there are many things to consider when it comes to accepting online credit card payments. If you’re offering digital goods, subscription services, or retail products, look for a payment processor or shopping cart software that caters to your industry, so you don’t have to find creative workarounds. Many solutions are generalized for a broad array of merchants, but they also offer add-ons and integrations to tailor the end result. However, if you end up falling into a high-risk industry, you’ll want to focus on traditional merchant account providers that specialize in serving high-risk industries.

Also, keep in mind that selling digital products is not allowed on Facebook or Instagram. If you plan to sell anything downloadable, you can scratch social selling off your list right away. For those of you who just want an easy way to bill your clients or customers, electronic invoicing might be the ticket – and you don’t need a website at all!

In this article, we’ll explain how to accept credit card payments online and the various payment methods you can make available to your customers, including options that don’t require you to have a website for your business. We’ll also provide you with several recommendations for merchant services providers to help you get set up with online payments quickly, easily, and at a fair price. Finally, we’ll review several major considerations that you should consider before choosing which provider will be the best fit for your business.

Learn More About Our Top Picks

CompanyHighlightsNext StepsHighlights

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  • Integrated website builder
  • Inventory management
  • Accepts credit and debit card payments
  • Enhanced security features included
  • Offers free and paid pricing plans
  • Integrated website builder
  • Inventory management
  • Accepts credit and debit card payments
  • Enhanced security features included
  • Offers free and paid pricing plans

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  • Credit and debit card processing
  • ACH processing
  • Multicurrency support
  • Extensive support for international transactions
  • Flat-rate pricing
  • No long-term contracts
  • Credit and debit card processing
  • ACH processing
  • Multicurrency support
  • Extensive support for international transactions
  • Flat-rate pricing
  • No long-term contracts

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  • Support for credit and debit card processing, ACH payments, and online invoicing
  • Pay-as-you-go billing for basic accounts
  • No long-term contracts
  • No early termination fee
  • Integrated payment system with extensive customization options
  • Support for credit and debit card processing, ACH payments, and online invoicing
  • Pay-as-you-go billing for basic accounts
  • No long-term contracts
  • No early termination fee
  • Integrated payment system with extensive customization options

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  • Free and easy account setup
  • Flat-rate pricing
  • Offers online invoicing features
  • Support for ACH, credit, and debit card payments
  • Built-in integration with Wave's accounting service
  • Mobile apps for iOS and Android
  • Free and easy account setup
  • Flat-rate pricing
  • Offers online invoicing features
  • Support for ACH, credit, and debit card payments
  • Built-in integration with Wave's accounting service
  • Mobile apps for iOS and Android

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  • Offers full-service merchant accounts
  • Support for ACH, credit, and debit card payments
  • Offers online invoicing
  • $24.95 per month for Starter Package
  • Online store integrates into your business website
  • Customer database and recurring billing included at no extra cost
  • Offers full-service merchant accounts
  • Support for ACH, credit, and debit card payments
  • Offers online invoicing
  • $24.95 per month for Starter Package
  • Online store integrates into your business website
  • Customer database and recurring billing included at no extra cost

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Other Featured Options:

  • PaymentCloud:
    • Supports most high-risk industries
    • Offers full-service merchant accounts
    • Uses Authorie.Net payment gateway
    • QuickBooks integration
    • Dedicated account manager for customer support
  • QuickBooks Payments:
    • Onlinve invoicing and payments
    • Can accept online credit and debit card transactions
    • Includes ACH payment processing
    • Compatible with major third-party shopping carts
    • Pay-as-you-go plans available with no monthly fees
    • No long-term contracts or early termination fees
  • Shopify Payments:
    • All-in-one solution offers website builder tools and payment processing
    • Integrated shipping services
    • Integrated inventory management features
    • Integrated marketing and SEO services
    • Integrated web hosting services
    • Over 70 customizable themes available for website design
    • Month-to-month billing with no long-term contracts

Read more below to learn why we chose these options.

How To Accept Credit Card Payments Online: 6 Options For Small Business

If you want to accept online credit card payments, you need to set up at least online payment channel. Six common ways for accepting credit cards online include:

  • Third-Party Apps & Extensions
  • Payments Buttons
  • Shopping Cart Software
  • Hosted Payment Pages
  • Online Invoicing Software
  • Social Media Platforms

Accepting Credit Card Payments On A Website

A website is a pretty integral part of selling online for most businesses. However, it’s not 100% necessary – we’ll look at some alternatives in the next section. As mentioned above, the first question to consider is: Do I already have a website? Then ask yourself: Do I like that website, or would I rather start over completely? Fortunately, there are solutions for both of these scenarios. You can implement payment buttons for existing sites or use a plugin or extension that supports eCommerce payments. You can also integrate a hosted payment page, which will transfer your customers to a checkout page hosted by your processor when it’s time to finalize a purchase. If you want to start from scratch, there are plenty of excellent website builders available to help you get set up, and they’ll usually support all of the payment options described below.

Using Third-Party Apps On Your Existing Or New Site

If you’ve used a site builder, such as WordPress, Weebly, or Wix, it’s relatively simple to implement online payments. Simply check out the site builder’s available third-party apps, extensions, and plugins. You won’t need technical expertise to get these apps working for you, so it’s one of the easiest solutions if you already have a site you love.

Using Payment Buttons To Sell Online

Another way to add payments to an existing site is to look for a payment processor that supports payment buttons. Shopify offers a range of packages, but if you are just in the market for a payment button, you can get by with the cheapest offer, Shopify Lite. The plan also includes access to Shopify’s mPOS app and the ability to sell on Facebook (we’ll talk about that option in the next section, too).

While adding payments to an existing site is incredibly convenient and often requires little work, you won’t get quite as many tools as you would with a hosted eCommerce software solution. That brings us to the best option if you want to build a new site or have no website to start with: shopping cart software.

Building A New Site With Shopping Cart Software

eCommerce software apps, sometimes called shopping carts or shopping cart software, are hosted, all-in-one solutions to online sales. Adding an eCommerce feature to an existing website requires you to choose a platform, buy the domain, and pay for hosting. With shopping carts, you’ll get everything in a single package: online sales and product management, hosting, and sometimes even the ability to buy a domain name directly.

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.

Generally speaking, even if a shopping cart doesn’t offer all of the features you want, you can search the app market for available extensions and integrations to get what you need. It’s worth researching the available add-ons as well as the native software features. Check out our Shopping Cart Comparison Chart for more information and some recommendations.

Using A Hosted Payment Page

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. If you’ve ever used PayPal to make an online payment and had to hop over to PayPal’s website to check out, you’ve used a hosted payment page.

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. By momentarily directing customers off your site to check out, you’ll eliminate the hassle of having to secure and encrypt your server to meet PCI compliance requirements. Sensitive credit card data will never be stored on your server, dramatically reducing the chance of a data breach.

Processing Credit Cards Online Without A Website

Most people equate taking payments online with having a website. That is the most common option, but you don’t actually need your own site. Let’s talk about a couple of alternatives for how to accept credit cards online.

Creating Online Invoices

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.

Selling On Social Media

It wasn’t all that long ago that the idea of being able to buy products directly through social media channels was novel and experimental. 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. While its core offering is an online shopping cart, it offers a “Lite” plan that includes access to its mPOS app, buy buttons for a website, and an integrated Facebook store with automated tools to make the process easier. If you want more information on selling your goods via social media, check out our posts How To Sell On Instagram With Shoppable Posts and Shopify Facebook Stores: The Cheap & Easy Way To Sell Online.

Accept Credit Cards Online With These 8 Great Payment Processors

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.

Below, we’ve highlighted what we think are the best ways to accept credit cards online. 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.

1. Square

Square



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Best for small or seasonal businesses.

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. Even if you don’t have a website, you can send a payment link and take credit card payments online using Square Online Checkout or set up recurring billing with its invoicing feature. Square Online allows you to build your online store, manage inventory, and accept payments online. Best of all, there’s a free option that comes with no monthly fees and offers everything you’ll need to get started. As your business grows, you can upgrade to one of three paid plans, the cheapest of which is only $12 per month.

Pricing at Square is also straightforward, with a flat 2.9% + $0.30 per transaction being charged for every online transaction. 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. Nonetheless, it’s a great way to get started if you’re new to running your own business.

Square doesn’t require credit checks for low-risk businesses, greatly simplifying the account setup process and allowing you to start selling almost immediately. 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. Our one caveat to using Square is that, since you don’t have a true merchant account, underwriting guidelines are stricter, and there’s an increased chance of an account hold, freeze, or even termination. 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.

Pros

  • No monthly fees (for free plan)
  • No long-term contracts
  • Predictable flat-rate pricing

Cons

  • Account stability issues
  • Expensive for high-volume businesses
  • Limited customer support options

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2. Stripe Payments

Stripe Payments



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Best for businesses that need extensive customization options.

Stripe Payments is just about the only payment service provider we’ve found that is big enough to process transactions directly on its own processing network. The company is laser-focused on eCommerce, offering many services and options that most traditional merchant account providers can’t match. In fact, it only supports eCommerce – there’s really no support for in-person transactions at all.

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. Stripe offers customization with extensive code libraries and tools you won’t find anywhere else. However, you’ll either have to hire a developer or do the coding yourself to take full advantage of these features. If you need a simple, out-of-the-box solution, you’ll be better off with Shopify, which uses Stripe as its back-end processor.

For more information about Stripe’s costs and features, check out our full Stripe Payments review or The Complete Guide To Stripe Pricing, Processing Fees & Cost.

Pros

  • Transparent flat-rate pricing
  • No monthly fee for basic accounts
  • Extensive customization options
  • 24/7 live chat and telephone support

Cons

  • Account stability issues
  • Not suitable for high-risk industries
  • Need technical skills to implement

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3. PayPal

PayPal



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Best for newly-established businesses.

As of August 2, 2021, PayPal has changed its pricing for online payment processing, affecting new and existing merchants. The new rates are complicated and not easy to summarize, so we recommend reading our article on PayPal's pricing to understand how the new prices will affect your business.

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. It’s ideal for a low-volume eCommerce business.

If you need more features than those offered by PayPal’s basic plan, be prepared to pay extra. For $30 per month, the PayPal Pro plan adds a virtual terminal, support for recurring billing, and a host of additional features. Although the price is rather high, it’s a good deal for businesses that need all of the additional features that come with it. At the same time, we’re a little disappointed that you’ll have to pay extra to access basic features that most other providers include for free.

PayPal’s extensive features and integrations will require a little research on your part to determine what your business needs and how much it will cost you. For a thorough discussion of the company’s optional services, check out our full review of PayPal For Businesses.

Pros

  • Predictable flat-rate pricing
  • All-in-one payments system
  • Ideal for low-volume merchants
  • Multiple pricing plans available

Cons

  • Account stability issues
  • Not suitable for high-risk industries
  • Inconsistent customer support

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4. Wave Payments

Wave



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Best for businesses needing to integrate accounting and payment processing.

If you’re in a service industry and looking for an easy way for customers to pay their bills online, you might not need anything as fancy as a full-service merchant account or a customizable payment gateway for your business. In fact, payment services designed for online retailers might put you in the position of paying for a host of extra options that you don’t need and will never use.

Regardless of your business type, however, you’re always going to need accounting software to maintain accurate business records. In recent years, Wave has become very popular with small business owners for its free, cloud-based accounting platform. With a Wave account, you can access the Payments By Wave feature to accept both ACH and credit/debit card transactions. Pricing is a flat 2.9% + $0.30 per transaction for credit and debit cards and 1.0% for ACH payments.

Wave is an excellent choice for small, service-based businesses that need a simple and affordable way to accept customers’ payments and keep their books balanced. However, it’s not a good choice for larger businesses due to its limited feature-set and general lack of integration with other third-party business services. For more details, check out our full review of Wave.

Pros

  • Pay-as-you-go billing with no monthly fees
  • No long-term contracts
  • Predictable flat-rate pricing
  • Fully integrated with Wave’s cloud-based accounting service

Cons

  • Limited customization options
  • Not suitable for larger businesses
  • Poor customer support

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5. PaySimple

PaySimple



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Best for service industries.

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. If you sign up with PaySimple, you’ll receive a true merchant account, which should help to prevent account holds or terminations.

PaySimple is a great choice for service industries, which typically don’t require features such as inventory management or point of sale (POS) systems. If you want to send invoices to your customers and give them the option to pay you online, it has all the features you’ll need. The PaySimple online store builder can easily add invoicing and payment features to your website – without needing a developer to make it happen. At the same time, there are plenty of APIs available if you’d like to customize your site.

PaySimple’s Starter Plan, which includes all the basic features you’ll need, costs a flat $24.95 per month. There’s also a Standard Package available for $59.95 per month that offers lower transaction processing rates. Unfortunately, the company uses tiered pricing, which we don’t like due to its lack of transparency and higher average costs. 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!

Pros

  • No long-term contracts
  • No early termination fee
  • Good customer support
  • Full-featured payment gateway

Cons

  • Expensive tiered pricing
  • Not cost-effective for high-volume businesses
  • Not good for international merchants

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6. PaymentCloud

PaymentCloud



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Best for high-risk eCommerce businesses.

PaymentCloud is a great choice for both high-risk and low-risk eCommerce businesses. With no monthly minimum for low-risk businesses, a dedicated account manager for customer support, and very few public complaints, it’s a vetted option we can get behind.

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. Authorize.Net has a healthy developer toolbox and an open API in the event you opt to customize. Additionally, PaymentCloud integrates with a large number of shopping carts, including Shopify, BigCommerce, and 3D Cart. 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.

Pros

  • High-risk specialist
  • Fair pricing for low and high-risk merchants
  • Excellent customer support
  • Few public complaints

Cons

  • No publicly disclosed pricing
  • May require a long-term contract
  • May require an early termination fee

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7. QuickBooks Payments

QuickBooks Payments



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Best for existing QuickBooks users.

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. For a small professional services business that doesn’t need a lot of the bells and whistles that a traditional brick-and-mortar retail business requires, QuickBooks Payments can be a great choice.

One misperception we’d like to clear up right away is that you don’t need to sign up for QuickBooks Payments just to get a payment service that integrates with the QuickBooks accounting products. 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. However, if the company’s simplified pricing structure and product lineup meet your needs, it’s certainly a good choice.

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. For more details on the company’s monthly payment plans and fees, please see our full QuickBooks Payments review.

Pros

  • Predictable flat-rate pricing
  • Seamless QuickBooks integration
  • No monthly minimums
  • Good for professional services

Cons

  • Limited invoice customization
  • High per-transaction fees
  • Inconsistent customer support

Get Started with QuickBooks Payments

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8. Shopify

Shopify Payments



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Best for merchants looking for a simple, all-in-one solution.

Shopify earns a top spot in its own right because the entire platform is built with the online seller in mind, and it does an excellent job. Shopify is an easy-to-use option with numerous integrations, attractive templates, and advanced design tools that make it a very good value for the price.

Shopify offers several types of payment buttons, including PayPal. If you never want to have a site at all, you can sync your Shopify inventory with numerous platforms, including Facebook Stores, Instagram Shoppable Posts, Amazon, eBay, and many others. If you’re just dipping your toe into eCommerce, check out Shopify Lite, which still powers your social and platform selling and comes at a low monthly cost for you. As far as creating your online store, you’ll find everything on your dashboard. From setting up and syncing inventory, to creating your site, to a massive library of integrations, you’ll likely find all you need. It’s truly built for ease of use, which is why it remains one of the best platforms for eCommerce, period.

Shopify Payments is a payment service provider and uses Stripe Payments as its back-end processor. You can bring on your own processor if you already have one, but you’ll pay a bit extra per transaction to do so. While payment service providers such as PayPal, Square, and Shopify Payments are very easy to sign up for (and are sometimes the only option for new businesses), there is a bit less account stability. Rest assured that the majority of small businesses won’t have any issues. However, it’s still important to understand your contract and be aware of this potential risk.

Check out our full Shopify review to find out how we rate customer service, features, Shopify’s pricing plans, and much more.

Pros

  • Excellent all-in-one eCommerce solution
  • Transparent flat-rate pricing
  • No long-term contracts or early termination fees
  • Extensive add-on options

Cons

  • Limited functionality with pricey add-ons
  • Frequent complaints of poor customer service
  • Flat-rate pricing may be expensive for high-volume businesses

Get Started with Shopify Payments

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7 Considerations For Accepting Credit Card Payments Online

With so many providers and features to choose from, it’s easy to get overwhelmed. As we’ve noted above, some providers are better suited to different types of businesses than others. In narrowing down your options for a merchant services provider that can help you accept online payments, you’ll want to clearly identify your business’s specific needs to eliminate choices that aren’t suitable.

Before you attempt to come up with a “shortlist” of potential candidates, we recommend that you ask yourself the following questions to identify your needs better and determine which providers are most likely to meet them:

Do You Already Have A Website?

If yes, do you like your website? Would you rather abandon it for a better site with more features? If you already have a site and don’t want to go through the effort of creating a new one to sell a handful of products, adding payment buttons or using one of the many available plugins might be the easiest option. Of course, you don’t need a website to accept payments online. Very small and part-time businesses can get away with using online invoicing software or social media to make their sales. However, for any full-time operation, we strongly recommend that you have a website to promote your business and process credit card payments online. The ongoing COVID-19 pandemic has only emphasized just how important it is for businesses to stake out their corner of cyberspace in the 21st century.

What’s Your Budget?

When it comes to numbers, you need to look at both upfront costs and monthly (or yearly) costs. How much can you spend at the outset, and how much do you expect to be able to afford on a monthly or annual basis? Keep in mind that the more technically-advanced your website, the more you can expect to pay to build and maintain it. Likewise, the more inventory you have, the more you can expect to pay. If you decide to go the custom route or hire a developer, don’t forget to add these to payment processing costs.

Which Payment Methods Should You Offer?

While credit and debit cards are the go-to for accepting payments online, they aren’t the only options. For starters, there are ACH bank transfers, which are less expensive to process and allow customers who don’t own a credit card to buy from you. ACH payments are often preferred in B2B environments, but some consumers favor them, too. While almost all providers offer an echeck/ACH payment service, PaymentCloud and Stripe place more emphasis on this feature. You should also consider alternative payment methods, such as Apple Pay, which can be much less expensive to process than other card-not-present options.

Do You Need A Full-Service Merchant Account?

Although you will definitely need a payment processor to accept credit cards, you won’t necessarily need a true, fully-featured merchant account. Payment service providers (e.g., Square, PayPal, and others) can process your transactions but do not provide individual merchant accounts. Instead, they aggregate all of their users into a single shared merchant account. This practice simplifies the account setup process by eliminating the need for credit checks for low-risk businesses. Unlike actual merchant accounts, you won’t be issued a unique merchant ID number that identifies your business to the credit card processing networks.

Additionally, traditional merchant accounts are often only available to businesses that process higher volumes, which can cause a huge stumbling block for a smaller business that is just launching or an owner without established credit. The main drawback that we’ve seen with using a payment service provider is that account holds, freezes, and terminations are more frequent due to stricter underwriting guidelines. As a general rule, payment service providers work best for small, low-volume, and seasonal businesses. Established businesses with a higher processing volume should invest in a full-service merchant account.

Do You Need A Lot Of Site Customization?

The more customization you need (both in your site and in the payment flow), the more you’ll need to either outsource a developer and web design team or take the time to do it yourself. With many of the providers we’ve profiled above, however, you can probably get by without having to touch code at all if you don’t want to.

How Comfortable Are You With Handling Security Features?

If you want to sell online, security is critical. That means ensuring your site is PCI compliant. The more involved you are in the payments process and the more sensitive information your website handles, the more burden you are taking upon yourself. Fortunately, many payment processors and other software providers offer solutions to keep your customers’ information secure and reduce your PCI burden. In many cases, you may not need to do anything because the sensitive data is all tokenized or hosted elsewhere!

Do You Need To Integrate Accounting & Payment Processing?

You’re going to need to keep track of all those online credit card transactions, and you’ll need accounting software to do so. Integrating your accounting software with your payment processing service sounds like it would be a good idea, but that’s not always the case. QuickBooks, for example, is the industry leader in small business accounting and a great product. However, the optional QuickBooks Payments processing service is somewhat limited in its features. In any event, most merchant service providers on the market today integrate with QuickBooks, so you shouldn’t feel locked into a single provider just because you use it.

Are You Ready To Accept Credit Card Payments Online?

Whether you are a fledgling business owner with a fresh idea, or you’ve been selling for years at a cash-only storefront, you have options in how you accept credit card payments online. If there is any takeaway that you bring with you, it’s that there are opportunities for all skill levels, budgets, and visions. You certainly do not have to have a website to take payments online anymore, but making a website has also never been easier.

For more resources to support you on your journey, check out Everything You Need To Know About Accepting eCommerce Payments For Your Online Store, How To Detect And Prevent Online Credit Card Fraud, and The Small Business Owner’s Guide To Alternative Payment Methods.

In Summary: Accept Credit Cards Online With These 8 Great Payment Processors

  1. Square:
    • Integrated website builder
    • Inventory management
    • Accepts credit and debit card payments
    • Enhanced security features included
    • Offers free and paid pricing plans
  2. Stripe Payments:
    • Credit and debit card processing
    • ACH processing
    • Multicurrency support
    • Extensive support for international transactions
    • Flat-rate pricing
    • No long-term contracts
  3. PayPal:
    • Support for credit and debit card processing, ACH payments, and online invoicing
    • Pay-as-you-go billing for basic accounts
    • No long-term contracts
    • No early termination fee
    • Integrated payment system with extensive customization options
  4. Wave:
    • Free and easy account setup
    • Flat-rate pricing
    • Offers online invoicing features
    • Support for ACH, credit, and debit card payments
    • Built-in integration with Wave's accounting service
    • Mobile apps for iOS and Android
  5. PaySimple:
    • Offers full-service merchant accounts
    • Support for ACH, credit, and debit card payments
    • Offers online invoicing
    • $24.95 per month for Starter Package
    • Online store integrates into your business website
    • Customer database and recurring billing included at no extra cost
  6. PaymentCloud:
    • Supports most high-risk industries
    • Offers full-service merchant accounts
    • Uses Authorie.Net payment gateway
    • QuickBooks integration
    • Dedicated account manager for customer support
  7. QuickBooks Payments:
    • Onlinve invoicing and payments
    • Can accept online credit and debit card transactions
    • Includes ACH payment processing
    • Compatible with major third-party shopping carts
    • Pay-as-you-go plans available with no monthly fees
    • No long-term contracts or early termination fees
  8. Shopify Payments:
    • All-in-one solution offers website builder tools and payment processing
    • Integrated shipping services
    • Integrated inventory management features
    • Integrated marketing and SEO services
    • Integrated web hosting services
    • Over 70 customizable themes available for website design
    • Month-to-month billing with no long-term contracts
Frank Kehl

Frank Kehl

Expert Analyst & Reviewer at Merchant Maverick
Frank Kehl has been researching and analyzing merchant services, payment gateways, and international money transfer services since 2015. He has a Bachelor of Science degree from Penn State and a Juris Doctorate from the Ventura College of Law.
Frank Kehl
View Frank Kehl's professional experience on LinkedIn.

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2 Comments

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    Angels

    Thankyou for typing this wonderful article. I must admit, my brain is sweating right now with the knowledge of it all but I’m sure I will be able to choose a great avenue for my online store now that I’ve read yoir article. I don’t have too much money to spare and even though etsy appeals to tbe eye, its pricier for me and I feel its incredibly competitive. I also own a square and have a weebly website for fun. I didnt realize square and weebly have a connection now. Well, I have both…..so my question is how to combine this & get traffic onto my site? Anyways. Thankyou.

      This comment refers to an earlier version of this post and may be outdated.

      Jessica Dinsmore

      Hi Angels,

      There is a lot of information about this available online, but my understanding is that you can find the Weebly app via your Square dashboard to get started. If that doesn’t work, I’d suggest googling search terms like “Square Weebly Integration” or search within the Square Support forum. Best of luck!

        This comment refers to an earlier version of this post and may be outdated.

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