How Difficult Is It To Accept Credit Cards On Your Website?

If you are selling a product or service on your website, you know it is critical to accept credit cards on your website. It can be a little overwhelming to investigate the options for accepting credit cards on your website so this is my attempt to simplify it for you. Feel free to contact me if you have any questions about any of this.


How To Accept Credit Cards

There are a few services you need to have in place to accept credit cards on your website and I will first describe them and then give you the best options for setting up the services to start accepting credit cards online. If you’re not interested in how the technical details of how a merchant account works, you can skip down to the Best Options section below.


Payment Gateway

When a credit card payment is originated on a website, it takes place on a secure website using SSL technology to protect the information being transmitted. Any website owner can get SSL security on their website but most smaller merchants use pages hosted by their payment gateway to process the transaction securely. The payment gateway receives the information for the transaction and transmits the info to the payment processor.


Payment Processor

The payment processor receives the transaction information from the payment gateway and sends the transaction to the card association (Visa, Mastercard, American Express). After the charge is approved or denied, the response will be sent back to the payment gateway so a order confirmation or error can be displayed for the purchaser. All this information is passed in only a few seconds. If the transaction is approved, the issuing bank for the credit card will release funds to the merchant’s listed account.


Simplified For You

Credit Card Merchant AccountIt is overwhelming when you realize all the steps that take place to accept credit card payments on your website. Luckily, there are many companies that offer merchant account solutions for website owners to easily begin receiving credit card payments. You won’t need to worry about payment gateways, payment processors, and credit card issuing banks. Everything will be handled for you after the initial setup is complete and you can concentrate on driving people to your website to generate orders.

I have used different processors over the past several years and have determined two very good options that cover the needs of most small and large website owners. I’ll describe them below.


Best Options To Accept Credit Cards

Option #1 – Paypal – Higher Transaction Fees, Ease of use, No monthly fee

Many website owners that are looking for a simple solution to accept credit cards on their website use Paypal. Paypal provides an affordable entry with their Website Payments Standard service. This service has no setup fee and no monthly fee. The downside of the Paypal Website Payments Standard service is that the fees are higher than other merchant account services. The fees for Paypal are currently 2.9% + $0.30 per trasaction. The rate does decrease for higher sales volume accounts.

Even though Paypal charges higher fees, the simplicity of getting started using the service along with the fact that there are no startup fees or monthly fees makes Paypal Payments Standard service a great option to start selling online.

To get started with Paypal Website Payments Standard, sign up for a Paypal account by clicking the banner below:



Option #2 – – Lower Transaction Fees, Higher Functionality, Monthly Fee and Setup Fee

For those sellers that sell higher monthly volumes and are looking for a more professional and customizable look to the checkout process, is a great option. is one of the most widely used merchant account services on the web. Many large well-known companies use for processing transactions. I have used it myself for years and can attest that the service and technology is very good.

One of the main benefits of using is lower transaction fees. The price per transaction will vary depending on your business but can be as low as $0.10 per transaction. allows batch transactions so if you process 20 websites per day on average, you can batch process them at one time at the end of the day to reduce the number of batch transaction charges to one per day.

Although you can save money in the long run with lower transaction fees, there is a $99 setup fee and monthly fee for a merchant account through The cost will vary depending on your business type but the typical monthly fee is about $75/month if you wish to accept Visa, Mastercard, Discover, and American Express. If you choose not to accept American Express, you can save $15-20 per month.

Even though there are monthly charges for a merchant account through, the savings in transaction fees are well worth it for merchants who sell high volumes monthly. also offers more flexibility over Paypal like the ability to accept E-check payments, use recurring monthly payments, and implement a Shopping Cart system to give more advanced features like coupons, quantity discounts, order followup and more.

Authorize Net

Sign up for now and start accepting credit cards on your website.


After Your Setup to Accept Credit Cards, Get Your Online Store Setup with GoDaddy Quick Shopping Cart. Click the Banner Below for Info

Godaddy Quick Shopping Cart



Ask Me For Help

If you have any questions about accepting credit cards on your website or using or Paypal, please feel free to contact me and I’ll be happy to help guide you through the process. Both of these companies offer great sales and support assistance.

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