{"id":1996,"date":"2020-11-25T08:00:51","date_gmt":"2020-11-25T08:00:51","guid":{"rendered":"https:\/\/www.domainnamesanity.com\/blog\/?p=1996"},"modified":"2020-11-25T08:17:34","modified_gmt":"2020-11-25T08:17:34","slug":"how-to-accept-credit-card-payments-online","status":"publish","type":"post","link":"https:\/\/www.domainnamesanity.com\/blog\/how-to-accept-credit-card-payments-online\/","title":{"rendered":"How to Accept Credit Card Payments Online"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1996\" class=\"elementor elementor-1996\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-230899b0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"230899b0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7ff48571\" data-id=\"7ff48571\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-48deb20 elementor-widget elementor-widget-text-editor\" data-id=\"48deb20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"breadcrumbs-bar\"><nav class=\"blog-breadcrumbs\">\n<ul>\n \t<li><a href=\"https:\/\/www.domainnamesanity.com\/\">HOME<\/a><\/li>\n \t<li class=\"bc-2nd\"><a href=\"https:\/\/www.domainnamesanity.com\/blog\/\">BLOG<\/a><\/li>\n<\/ul>\n<\/nav><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c29e94 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"1c29e94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">How to Accept Credit Card Payments Online<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6ac49d elementor-widget elementor-widget-post-info\" data-id=\"d6ac49d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-d9c2fd9 elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\tBy Douglas Moore\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-6a0ea6c elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\tNovember 25, 2020\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33b69b7 elementor-widget elementor-widget-image\" data-id=\"33b69b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1536\" height=\"1152\" src=\"https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2020\/11\/accept-credit-cards-1536x1152.jpg\" class=\"attachment-1536x1536 size-1536x1536 wp-image-1997\" alt=\"\" srcset=\"https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2020\/11\/accept-credit-cards-1536x1152.jpg 1536w, https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2020\/11\/accept-credit-cards-300x225.jpg 300w, https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2020\/11\/accept-credit-cards-1024x768.jpg 1024w, https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2020\/11\/accept-credit-cards-768x576.jpg 768w, https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2020\/11\/accept-credit-cards.jpg 1884w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-43ea192 toc-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"43ea192\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-85705ab\" data-id=\"85705ab\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9f76f1c elementor-widget elementor-widget-text-editor\" data-id=\"9f76f1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-197d5d2 elementor-widget elementor-widget-text-editor\" data-id=\"197d5d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you\u2019re running an <a href=\"https:\/\/www.domainnamesanity.com\/blog\/how-to-set-up-an-online-store\/\">online business<\/a>, one of the main things you need to figure out is <a href=\"https:\/\/www.domainnamesanity.com\/blog\/beginners-guide-getting-paid-online\/\">how to get paid online<\/a>. There are several payment methods you can integrate to give your potential clients more leeway to pay for your product or service in their own way. However, accepting credit cards for online payments is crucial, as the majority of online shoppers use payment cards (credit and debit) for purchases. In 2017, for instance, <a href=\"https:\/\/www.statista.com\/statistics\/508988\/preferred-payment-methods-of-online-shoppers-worldwide\/\">42% of online shoppers used credit cards, and 28% used debit cards<\/a>. In other words, these types of payment cards accounted for 70% of all online purchases.<\/p><p>In this article, we\u2019ll give you a thorough walkthrough of how to accept credit card payments online. We will discuss two main ways you can do this.\u00a0<\/p><p><b>The first method is using a PayFac (payment facilitator)<\/b>, also known as a merchant\/payment gateway, like PayPal or Stripe.\u00a0<\/p><p><b>The second method<\/b> you can use to accept online credit card payments <b>is through an MOR (merchant of record)<\/b>, companies that handle the transaction of money from a cardholder\u2019s account to your own.<\/p><p>Of course, we\u2019ll also brush up on technicalities like fees and chargebacks, as well as techy stuff such as how to get notifications upon receiving payment. So, let\u2019s get to work! Hopefully, once you\u2019ve read this guide, the process of accepting credit card payments online will be clear enough for you.<\/p><h2>Why Should You Accept Online Credit Card Payments?<\/h2><p>A couple of important reasons to accept online card payments are:<\/p><ul><li>Giving your customers a variety of payment methods increases your chances of making a sale.<\/li><li>According to a <a href=\"https:\/\/www.forbes.com\/sites\/tjmccue\/2013\/08\/16\/why-dont-more-small-businesses-accept-credit-cards\/#70cb160615b4\">Forbes study<\/a>, only 55% of small businesses accept credit cards due to the transaction fees. Credit card transaction fees cost anywhere <a href=\"https:\/\/www.fundera.com\/blog\/credit-card-processing-fees\">between 1.7% to 3.5%<\/a>, and additionally, there\u2019s usually a $0.30 fee for each transaction. However, 58% of businesses report that clients regularly ask them if they accept payment cards.<\/li><li>Given the increased revenue that comes from accepting credit cards, the transaction fees won\u2019t hinder the growth of your business.<\/li><li>Finally, if you\u2019re conducting sales online, credit cards are one of the main methods clients would use. You\u2019re essentially creating a better experience for your clients.<\/li><\/ul><h2>How to Accept Credit Card Payments Using a PayFac<\/h2><p>A <a href=\"https:\/\/www.pymnts.com\/news\/payment-methods\/2016\/nmi-payment-facilitator\/\">PayFac<\/a>, which stands for payment facilitator, also referred to as a payment gateway or online payment processing tool, provides a platform for merchant services to service sub-merchants. What this means for you, is that you\u2019ll be able to get payments (via credit card) online as a sub-merchant, boarded under the master merchant ID of the bank-sponsored PayFac.<\/p><p>When it comes to credit cards, PayFacs will take care of the transaction process of the money from your client\u2019s bank account to your own. This also includes security &#8211; they comply with <a href=\"https:\/\/www.pcisecuritystandards.org\/\"><b>PCI SSC<\/b><\/a> security standards, which ensure safe online payments. Of course, you should also have a secure website by getting an SSL certificate (we offer <a href=\"https:\/\/www.domainnamesanity.com\/web-hosting.php\">free SSL certificates<\/a> for web hosting) and <a href=\"https:\/\/www.domainnamesanity.com\/blog\/wordpress-force-https\/\">redirecting your site from HTTP to HTTPS<\/a>.<\/p><p>The two main PayFacs that facilitate online credit card payments which we\u2019ll talk about today are PayPal and Stripe.<\/p><h3>Choosing Your PayFac<\/h3><p>While people can pay using the money from their own PayPal or Stripe account, these PayFacs are often used for online credit card payments. Not only do these two PayFacs offer security (they\u2019re both PCI compliant), but they\u2019ll also make your clients feel safe about their purchase, since, well, who doesn\u2019t know PayPal? People trust things they know.<\/p><p>Stripe may not yet be as well-known as PayPal, but it\u2019s definitely getting there. It\u2019s quite feature-packed &#8211; it can be used to accept payments through a broad array of methods, and it even accepts a much higher number of currencies than PayPal.<\/p><p>In any case, both PayFacs are quite easy to use, although when it comes to setup, some of Stripe\u2019s advanced features may be a bit challenging for less tech-savvy users. Additionally, both of these PayFacs don&#8217;t charge setup fees and don\u2019t impose any monthly fees, and neither requires that you sign an exclusive or lock-in contract.<\/p><p>With all that in mind, let\u2019s take a look at what each of these PayFacs has to offer. In addition to discussing their features, we\u2019ll also look at transaction fees and how you can create <a href=\"https:\/\/web.archive.org\/web\/20180630220036\/http:\/\/progrium.com\/blog\/2007\/05\/03\/web-hooks-to-revolutionize-the-web\/\">webhooks<\/a>, which will notify you of any updates or changes regarding the payment process.<\/p><h4><a href=\"https:\/\/www.paypal.com\/us\/home\">PayPal<\/a><\/h4><p>PayPal is a global giant when it comes to online payments. Let\u2019s look at some of its functions.<\/p><h5>Features:<\/h5><p>PayPal offers ease of use for both business owners and clients. This is because both the setup and checkout processes are quite simple.<\/p><p>This PayFac is a great choice for businesses looking to reach an international audience. It\u2019s available in over 200 countries and accepts 25 currencies. Clients using PayPal will have a variety of payment methods available: paying from their PayPal credit, through a credit or debit card, and so on.<\/p><p>As we\u2019ve already mentioned, PayPal is PCI compliant, which means that your funds and the funds of your customers will be handled securely.<\/p><p>If you integrate PayPal for online payment to your website (which we\u2019ll go over), customers will be redirected to PayPal\u2019s own website at checkout. This has both pros and cons: one benefit is that customers trust PayPal, so they won\u2019t freak out about being redirected. One drawback is that your customer has basically left your website. In any case, you can try using the <a href=\"https:\/\/www.paypal.com\/us\/smarthelp\/article\/how-do-i-use-paypal's-auto-return-feature-to-redirect-customers-back-to-my-website-faq3651\">auto-return feature<\/a> that will bring customers back to your website after they\u2019ve completed payment via PayPal. However, the feature is only available for Business accounts.<\/p><p>PayPal is quite quick in dealing with transactions: the transfer of money to your PayPal account is almost immediate, i.e. is completed within a day. However, to transfer this money to your bank account, it can take anywhere between 2 to 4 days.<\/p><p>PayPal also offers free online invoicing and support through phone, email, support center, and live chat.<\/p><h5>Pros of using PayPal:<\/h5><ul><li>Ease-of-use for all parties involved;<\/li><li>Well-known and trusted company;<\/li><li>Multiple payment and support options;<\/li><li>PCI compliance;<\/li><li>Fast money transfer;<\/li><li>Free invoices.<\/li><\/ul><h5>Cons of using PayPal:<\/h5><ul><li>Can\u2019t use it for on-page payments, i.e. customers get redirected;<\/li><li>High chargeback fees (will be covered in the fees section below these overviews);<\/li><li>Doesn\u2019t offer data portability (will be covered in the following section on Stripe features).<\/li><\/ul><h5>How to use PayPal on your site:<\/h5><p>You can add PayPal to your online shop by <a href=\"https:\/\/developer.paypal.com\/docs\/archive\/checkout\/integrate\/#\">integrating<\/a> PayPal Checkout through PayPal <a href=\"https:\/\/developer.paypal.com\/docs\/checkout\/#\">Smart Payment Buttons<\/a>. In order to add the buttons to your online shop:<\/p><ol><li>Set up a PayPal account.<\/li><li>Open a HTML version of the page and copy the code that PayPal provides you with.<\/li><\/ol><p>The button launches PayPal Checkout, where the buyer can approve the payment, followed by confirmation on your part.<\/p><h5>How to create payment notification webhooks on PayPal:<\/h5><p>So &#8211; webhooks. Webhooks are custom HTTP callbacks that can be configured by you &#8211; the user &#8211; to notify you when a certain event has transpired. A blogger, for instance, would use a webhook to get a notification when a comment has been made on their blog post. You, as a business person, would probably like to receive notifications related to payment, in cases such as:<\/p><ul><li>A successful transaction, or a transaction confirmation sent from the buyer\u2019s bank;<\/li><li>A disputed charge, or when a customer finds an issue with their billing;<\/li><li>Subscription invoices and tracking subscriptions;<\/li><li>Failed transactions.<\/li><\/ul><p>In a nutshell, webhooks allow you to track changes in the payment process or any other asynchronous events by sending you notifications.<\/p><p>To add a webhook using PayPal, you need to first define the webhook events and then add the appropriate code to your site. PayPal provides a <a href=\"https:\/\/developer.paypal.com\/docs\/api\/quickstart\/create-webhook\/\">step-by-step guide<\/a> on how to complete the process of defining and creating webhooks.<\/p><h4><a href=\"https:\/\/stripe.com\/\">Stripe<\/a><\/h4><p>Stripe offers a different interface to that of PayPal. It gets directly integrated into your website\u2019s online shop, and your customers won\u2019t need to leave your site to complete payment, i.e. checkout. A slight drawback to their advanced features is that, as we mentioned, they may be a bit challenging for beginners.<\/p><p>Let\u2019s take a look at what Stripe has to offer.<\/p><h5>Features:<\/h5><p>Overall, Stripe is quite customizable. You can adapt its look to be compatible with that of your website, brand, and product. Again, the customers don\u2019t get redirected to another site, so the sale is completed \u201cin-house\u201d, so to speak. You can play with the design of Stripe checkout on your site and only allow it to show your brand\u2019s name, rather than Stripe\u2019s. It also offers more integration options than PayPal.<\/p><p>Like PayPal, Stripe is PCI compliant, so you won\u2019t have to worry about the security of your or your clients\u2019 funds.<\/p><p>Stripe is a bit less preferred for international business to PayPal, as it\u2019s available in a bit over 32 countries (compared with PayPal\u2019s 200+). However, they have the edge when it comes to currency, as they accept 125 currencies for payment.<\/p><p>Stripe also accepts a variety of payment methods beyond using credit cards, such as AmEx Checkout, WeChat Pay, AliPay, Apple Pay, Google Pay, Masterpress, Visa Checkout, and so on. This may come in handy when you\u2019re trying to make more payment methods available to your clients.<\/p><p>Unlike PayPal, Stripe offers data portability &#8211; the ability to move all your account data to another PayFac or MOR. This is quite cool, as if you decide to change your PayFac, Stripe will allow you to take all past data along with you.<\/p><p><a href=\"https:\/\/stripe.com\/billing\">Stripe Billing<\/a> allows you to customize subscriptions, invoices, and billing. In fact, one of our favorite features that Stripe offers but PayPal doesn\u2019t is some more advanced, versatile billing options (such as usage-based billing, etc.). However, it only offers free online invoicing until you\u2019ve made your first $1M in sales. After that, it\u2019s paid.<\/p><p>Stipe is a bit slower than PayPal, as it takes around 2 business days for the money of a new sale to make their way into your account. However, it\u2019s just as fast as PayPal when it comes to transactions reaching your <i>bank<\/i> account.<\/p><p>As with PayPal, Stripe offers a number of customer support channels, including 24\/7 phone and live chat, email, and a help center.<\/p><h5>Pros of using Stipe:<\/h5><ul><li>On-site payment;<\/li><li>User-friendly for customers;<\/li><li>Lower chargeback fee than PayPal;<\/li><li>24\/7 phone and live chat support;<\/li><li>Advanced developer and integration features;<\/li><li>PCI compliant;<\/li><li>Offers data portability.<\/li><\/ul><h5>Cons of using Stripe:<\/h5><ul><li>Advanced tools and slightly more complex setup may be a bit challenging for newbies;<\/li><li>Less known than PayPal, so customers may trust it less;<\/li><li>Available in far fewer countries than PayPal;<\/li><li>You don\u2019t get online invoicing for free after the first million in sales.<\/li><\/ul><h5>How to use Stripe on your site:<\/h5><p>Integrating Stripe checkout to your online shop is quite simple. Once you\u2019ve set up your Stripe account, you can add <a href=\"https:\/\/stripe.com\/payments\/checkout\">Stripe Checkout<\/a> and adjust it for accepting one-time payments, setting up future payments for returning customers, as well as setting up recurring payments.<\/p><p>So, to <a href=\"https:\/\/stripe.com\/docs\/payments\/accept-a-payment\">integrate the Stripe Checkout Button<\/a> on your page, you need to:<\/p><ol><li>Set up your Stripe account and install the relevant libraries to your app\u2019s Stripe API;<\/li><li>Add the Stripe checkout button to your page by copying the code provided by <a href=\"https:\/\/stripe.com\/docs\/payments\/accept-a-payment\">Stripe\u2019s Guide<\/a>;<\/li><li>Add fraud detection as well by adding the Stripe.js library;<\/li><li>Redirect customers to Stripe Checkout;<\/li><li>Create a confirmation\/success page for your customers.<\/li><\/ol><h5>How to create payment notification webhooks on Stripe:<\/h5><p>You can easily <a href=\"https:\/\/stripe.com\/docs\/webhooks\">create webhooks<\/a> with Stripe to find out when any sort of asynchronous event happens with the payment on your site like in the cases we outlined above (bank confirmations, disputed charges, successful recurring payments, and so on).<\/p><p>Once you\u2019ve integrated Stripe to your website, you can start using webhooks by following these 3 steps:<\/p><ol><li>Create a <a href=\"https:\/\/stripe.com\/docs\/webhooks\/build\">webhook endpoint<\/a> (on your server). You\u2019ll need to write the code or copy someone else\u2019s. (This is an example of how Stripe asks for more technical knowledge than PayPal). You\u2019ll need to <a href=\"https:\/\/stripe.com\/docs\/webhooks\/best-practices\">specify event types<\/a>, mind the order, and so on.<\/li><li><a href=\"https:\/\/stripe.com\/docs\/webhooks\/test\">Test<\/a> your webhooks and <a href=\"https:\/\/stripe.com\/docs\/webhooks\/signatures\">verify<\/a> the webhook signatures.<\/li><li>Take that webhook <a href=\"https:\/\/stripe.com\/docs\/webhooks\/go-live\">live<\/a>!<\/li><\/ol><p>So yes, creating webhooks is a bit more complex than with PayPal, but there\u2019s a lot of space for developers to get creative (especially when it comes to specifying various events).<\/p><h4>What About Additional Fees and Charges?<\/h4><p>First off, neither PayFac charges setup or monthly fees. They basically profit from you by taking fees out of each payment transaction they facilitate. Keep in mind that PayPal will often take a lower transaction fee for transactions between PayPal accounts than transactions from a credit card.<\/p><h4>Transaction Fees<\/h4><p>For US credit card payment, both PayPal and Stripe charge the same transaction fee: 2.9% of each sale and an additional $0.30 per transaction. However, once your sales volume rises to a certain point, these fees get lower. Stripe lowers your fees if you reach $80,000 in monthly revenue, while PayPal will lower their fees if you reach as little as $3,000 sales revenue per month.\u00a0<\/p><p>Additionally, both PayFacs offer a discount fee of 2.2% per sale for nonprofits, although they still charge a set per-transaction fee: PayPal still charges $0.30, while Stripe charges $0.35.<\/p><p>For international credit card payment, Stripe charges 3.9% per transaction plus the regular $0.30 fee, and if currency conversion is involved, the transaction rate costs 4.9%. PayPal charges a 4.4% transaction fee, and an additional fixed charge depending on the currency being used.<\/p><h4>Chargeback Fees<\/h4><p>If a customer contacts their bank and has a dispute concerning their payment &#8211; whether it\u2019s because they think it\u2019s a fraud or because they spotted an increase in the price they don\u2019t agree with &#8211; the bank will reverse the money from your account to theirs. This is a chargeback. While chargebacks are a great way to protect cardholders, some people may abuse them, which can cost your business.<\/p><p>Unfortunately, both PayPal and Stripe have chargeback fees. PayPal\u2019s fee for chargeback is $20, while Stripe\u2019s is $15 per chargeback.<\/p><h4>Radar Fees<\/h4><p>Radar is the fraud protection machine learning software that Stripe uses. Every time someone attempts to purchase something &#8211; regardless of whether they succeed or not &#8211; Stripe charges 5\u00a2 for custom pricing plans. Luckily, this fee is waived for the standard plan (the one which charges 2.9% from each sale + $0.30 per transaction).<\/p><h4>Refunds<\/h4><p>Neither PayFac returns any of these fees when you provide a customer with a refund.<\/p><h2>How to Accept Credit Card Payments by Setting Up a Merchant Account<\/h2><p>When you\u2019re getting paid online, you\u2019re using another company\u2019s merchant services. Merchant services are basically what enables transactions between you and your customers via credit and debit cards. While some PayFacs function as both payment processors and merchants of record (MoRs), some people choose to use a separate MoR through which to handle their merchant services.\u00a0<\/p><p>Yet another way to do this is by setting up a merchant account with your regular bank. A merchant account is a type of business account which will allow you to accept online credit card and debit card payments from customers through your bank. This will allow you to receive transactions directly to your existing bank account.<\/p><p>Keep in mind, however, that a traditional bank is likely to offer less services and features than some of these other options would. So, how can you get a merchant account with a traditional bank?<\/p><h3>Setting Up a Merchant Account with Your Bank<\/h3><p>Setting up a merchant account with a bank is a bit more difficult than setting up an account with a PayFac. This is because banks consider merchant accounts as extending credit, so they\u2019ll do a thorough evaluation of your business before deciding whether to grant you this status. Your best bet is approaching a bank you\u2019re already in business with. However, this won\u2019t help you if you have bad credit (as they consider merchant accounts as an extension of credit).<\/p><p>So in order to get a merchant account with a bank, you\u2019ll need to have good credit and a business that has been running for at least six months. This will allow the bank to decide if you\u2019re low risk and profitable.<\/p><h4>How to apply for a merchant account<\/h4><p>When you\u2019re meeting with a bank to discuss opening a merchant account, some of the information you\u2019ll need to bring along includes:<\/p><ol><li>Gather the financial information and financial statements of your business. This includes cash flow, bank statements, balance sheets, and so on.<\/li><li>Decide which credit and debit cards you want to accept. While Visa\u00a0 and MasterCard are the two most commonly used credit cards, you can also offer to accept payments via other cards like American Express and UnionPay. Keep in mind that accepting each card comes with a different merchant fee.<\/li><li>Bring along the processing history of your business. This includes a list of your past transactions, chargebacks, refunds, and so on.<\/li><\/ol><p>As you can see, the information required to apply for a merchant account with a regular bank requires that you already have some business experience. So, for brand new businesses, as well as small or home-based businesses, getting a merchant account would be quite difficult.<\/p><p>An alternative option is using an independent credit card processing company. They usually accept start-ups, high-risk businesses, and those with \u201cbad credit\u201d &#8211; however, they also charge higher fees.<\/p><p>Lastly, for a strictly online, i.e. eCommerce business, you may want to opt for an Internet MoR account through <a href=\"https:\/\/paddle.com\/\">Paddle<\/a> or <a href=\"https:\/\/gumroad.com\/\">Gumroad<\/a>.<\/p><h2>A Few Words Before You Go\u2026<\/h2><p>Hopefully, you now have a good idea of how you can accept credit and debit card payments online. Opting for a PayFac like PayPal and Stripe seems to be the easiest (and simplest) solution by far, and it comes with a variety of additional payment methods that you can offer to your customers.<\/p><p>If you prefer to accept online credit card payments through your existing bank, perhaps in order to get paid directly to your bank account, then you can open up a merchant account. Keep in mind, however, that this is only an option for businesses that have existed and generated some revenue already.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-02d9db7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"02d9db7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e3db840\" data-id=\"e3db840\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-60a6169 article-end elementor-widget elementor-widget-spacer\" data-id=\"60a6169\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-565995e elementor-widget elementor-widget-heading\" data-id=\"565995e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">View Related Articles<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21bb133 elementor-widget elementor-widget-spacer\" data-id=\"21bb133\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-404e6d4 elementor-posts__hover-none elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-card-shadow-yes elementor-widget elementor-widget-posts\" data-id=\"404e6d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;cards_masonry&quot;:&quot;yes&quot;,&quot;cards_columns&quot;:&quot;3&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-2350 post type-post status-publish format-standard has-post-thumbnail hentry category-domain-names\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.domainnamesanity.com\/blog\/dot-biz-domains\/\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"640\" height=\"480\" src=\"https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2021\/08\/dot-biz-1024x768.jpg\" class=\"attachment-large size-large wp-image-2352\" alt=\"\" srcset=\"https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2021\/08\/dot-biz-1024x768.jpg 1024w, https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2021\/08\/dot-biz-300x225.jpg 300w, https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2021\/08\/dot-biz-768x576.jpg 768w, https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2021\/08\/dot-biz-1536x1152.jpg 1536w, https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2021\/08\/dot-biz-2048x1536.jpg 2048w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h6 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.domainnamesanity.com\/blog\/dot-biz-domains\/\" >\n\t\t\t\tAll About the .biz Domain Extension\t\t\t<\/a>\n\t\t<\/h6>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>The .biz domain extension is also a great choice if you&#8217;d like a shorter domain than the one you might get in .com. Biz is the first syllable of the word business, so it\u2019s pretty clear that this domain name extension is meant to serve the business websites. <\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-2364 post type-post status-publish format-standard has-post-thumbnail hentry category-domain-names\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.domainnamesanity.com\/blog\/how-to-get-a-org-domain\/\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"640\" height=\"480\" src=\"https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2021\/08\/dot-org-1024x768.jpg\" class=\"attachment-large size-large wp-image-2366\" alt=\"\" srcset=\"https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2021\/08\/dot-org-1024x768.jpg 1024w, https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2021\/08\/dot-org-300x225.jpg 300w, https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2021\/08\/dot-org-768x576.jpg 768w, https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2021\/08\/dot-org-1536x1152.jpg 1536w, https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2021\/08\/dot-org-2048x1536.jpg 2048w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h6 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.domainnamesanity.com\/blog\/how-to-get-a-org-domain\/\" >\n\t\t\t\tHow To Get a .org Domain\t\t\t<\/a>\n\t\t<\/h6>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Being one of the original gTLDs, it\u2019s clear that the .org domains have huge popularity. They\u2019re currently the third-most registered domain name extension in the world, with 10.3 million websites registered with .org.<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-2336 post type-post status-publish format-standard has-post-thumbnail hentry category-domain-names\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.domainnamesanity.com\/blog\/ca-domain\/\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"480\" src=\"https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2021\/08\/dot-ca-1024x768.jpg\" class=\"attachment-large size-large wp-image-2337\" alt=\"\" srcset=\"https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2021\/08\/dot-ca-1024x768.jpg 1024w, https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2021\/08\/dot-ca-300x225.jpg 300w, https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2021\/08\/dot-ca-768x576.jpg 768w, https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2021\/08\/dot-ca-1536x1152.jpg 1536w, https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2021\/08\/dot-ca-2048x1536.jpg 2048w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h6 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.domainnamesanity.com\/blog\/ca-domain\/\" >\n\t\t\t\tAll About the .ca Domain Extension\t\t\t<\/a>\n\t\t<\/h6>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>If you are a local Canadian business that targets Canadian customers, obtaining a .CA domain might prove advantageous and bring more traffic. Here at Domain Name Sanity, we can help you find and register a .CA domain for your business or project.<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b4fddc elementor-widget elementor-widget-spacer\" data-id=\"0b4fddc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>There are several payment methods you can integrate to give your potential clients more leeway to pay for your product or service in their own way. However, accepting credit cards for online payments is crucial, as the majority of online shoppers use payment cards (credit and debit) for purchases.<\/p>\n","protected":false},"author":1,"featured_media":1997,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23],"tags":[],"class_list":["post-1996","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-online-business"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Accept Credit Card Payments Online - Domain Name Sanity Blog<\/title>\n<meta name=\"description\" content=\"Want to start an online store? Read our detailed guide on how to accept online card payments for your business.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.domainnamesanity.com\/blog\/how-to-accept-credit-card-payments-online\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Accept Credit Card Payments Online - Domain Name Sanity Blog\" \/>\n<meta property=\"og:description\" content=\"Want to start an online store? Read our detailed guide on how to accept online card payments for your business.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.domainnamesanity.com\/blog\/how-to-accept-credit-card-payments-online\/\" \/>\n<meta property=\"og:site_name\" content=\"Domain Name Sanity Blog\" \/>\n<meta property=\"article:published_time\" content=\"2020-11-25T08:00:51+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-11-25T08:17:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.domainnamesanity.com\/blog\/wp-content\/uploads\/2020\/11\/accept-credit-cards.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1884\" \/>\n\t<meta property=\"og:image:height\" content=\"1413\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Domain Name Sanity\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Domain Name Sanity\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"15 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.domainnamesanity.com\\\/blog\\\/how-to-accept-credit-card-payments-online\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.domainnamesanity.com\\\/blog\\\/how-to-accept-credit-card-payments-online\\\/\"},\"author\":{\"name\":\"Domain Name Sanity\",\"@id\":\"https:\\\/\\\/www.domainnamesanity.com\\\/blog\\\/#\\\/schema\\\/person\\\/9b0b37ae15e106ba4e72a5ec2db0cf4e\"},\"headline\":\"How to Accept Credit Card Payments Online\",\"datePublished\":\"2020-11-25T08:00:51+00:00\",\"dateModified\":\"2020-11-25T08:17:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.domainnamesanity.com\\\/blog\\\/how-to-accept-credit-card-payments-online\\\/\"},\"wordCount\":3086,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/www.domainnamesanity.com\\\/blog\\\/how-to-accept-credit-card-payments-online\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.domainnamesanity.com\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/11\\\/accept-credit-cards.jpg\",\"articleSection\":[\"Online Business\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.domainnamesanity.com\\\/blog\\\/how-to-accept-credit-card-payments-online\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.domainnamesanity.com\\\/blog\\\/how-to-accept-credit-card-payments-online\\\/\",\"url\":\"https:\\\/\\\/www.domainnamesanity.com\\\/blog\\\/how-to-accept-credit-card-payments-online\\\/\",\"name\":\"How to Accept Credit Card Payments Online - Domain Name Sanity Blog\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.domainnamesanity.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.domainnamesanity.com\\\/blog\\\/how-to-accept-credit-card-payments-online\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.domainnamesanity.com\\\/blog\\\/how-to-accept-credit-card-payments-online\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.domainnamesanity.com\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/11\\\/accept-credit-cards.jpg\",\"datePublished\":\"2020-11-25T08:00:51+00:00\",\"dateModified\":\"2020-11-25T08:17:34+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.domainnamesanity.com\\\/blog\\\/#\\\/schema\\\/person\\\/9b0b37ae15e106ba4e72a5ec2db0cf4e\"},\"description\":\"Want to start an online store? 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