How To Add Credit Card Processing To Website

Florence Carpenter

Now that eCommerce sites are so common, the easiest way to add credit card processing to websites is by using merchant accounts or payment gateway services. Merchants who use third-party providers usually have more flexibility in how they process payments and can avoid some of the fees associated with their own company's systems.

Steps For Adding Credit Card Processing To Website

Below is a step-by-step guide on how to start accepting credit card payments on your website.

Step 1: Choose A Payment Processor

Selecting a payment processor is the first step in accepting credit card payments online. First, confirm that the processing fees are reasonable and that the solution is compatible with your website or eCommerce platform. 

The following are the most user-friendly recommendations for online credit card acceptance:

Step 2: Set Up Your Payment Processor

eCommerce businesses need two things to accept online payments — a tool for collecting customer data and a way of processing the payment. Many eCommerce sites are built on WordPress, which has several plug-ins you can choose from, like PayPal or Stripe.

Businesses that want to take online credit card payments need a website or eCommerce platform for customers, a secure payment gateway so their transactions are encrypted and processed securely, and merchant accounts.

Step 3: Increase Conversions

You can always increase the rate per conversion with one-click checkouts or installment payments. In addition, online shoppers are attracted to the easy checkout process. So make it even easier by enabling one-click checkouts, such as Google Pay, Apple Pay, Amazon Pay, and PayPal. After all, make sure to optimize your checkout process so that it is convenient for your customers.

Step 4: Ensure Site Security

The final step towards adding credit card processing to your website should be a security checkup. Make sure to meet the requirements outlined in the Payment Card Industry Data Security Standard (PCI DSS) to start securing your payment processes. Because of the risk of fraud, banks and credit card companies charge higher processing fees to cover it.

Bonus Step: Lower Credit Card Processing Fees

When you start your business, negotiate the lowest possible rates with payment processors. Once you consistently process $15,000 to $20,000 monthly and have proven yourself a good customer to PayPal or Stripe (or whatever processor), ask for custom negotiated pricing.

For business owners, accepting ACH payments may be a good choice because it is one of the cheapest payment types. Moreover, standard online credit card processing fees are 2.9% + 30 cents, while this type costs only 1%.

Advantages Of Accepting Cards On Your Site

There are many advantages both you and your customers may benefit from when you accept credit cards on your site. You may find major advantages below:

  • Adds legitimacy - The Visa and Mastercard logos on a website allow it to say "Hey, I'm trustworthy!" to visitors. These well-known brands are popular around the world, and they build trust with first-time buyers who might never have heard of your site before.
  • Attracts International Customers - By accepting credit cards, you can sell to any country in the world and accept online payments without worrying about shipping. As a result, you could get many new customers.
  • Ensures Efficiency - Despite the extra steps it takes to complete a purchase using PayPal, some people might give up before making it that far. This is why credit card payments are preferred since they're quick and easy; you can check out in seconds!

Now that you know how to add credit card processing to your website, you may also want to learn about credit card processing fees. Read Processing Card’s blog for more information.

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