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Merchant Accounts

How do I accept credit cards online?
You need an online merchant account. In order to process credit cards in real-time, over the internet, you must have a Merchant Account and Secure Gateway service to process the credit card payment and deposit the funds into your bank account. Your website's shopping cart works in conjunction with the Secure Gateway in order to securely pass the customer purchase information to the Mechant Account for processing.

We have found that PayPal Website Payment Pro is cheaper than most services and is very secure. PayPal Website Payment Pro is a merchant & gateway in one with no setup fee and a $30 per month gateway fee (perfect with our Standard Shopping Cart system). All merchant accounts also have transaction fees, anywhere from 2.9% to 5.5% or lower depending on your volume.

If you already have a merchant account than Authorize.net is a great choice as a gateway service. Secure Gateway services also have separate $20 to $30 monthly fees.

Our shopping cart systems work with a variety of Merchant Accounts and Secure Gateways. Here is a quick list of preferred Gateway & Merchant Account Services that are supported by shopping cart systems:

PayPal Website Payment Pro  (Gateway & Merchant Account)
- no setup fee, 2.2% to 2.9%, $0.30 per transation, $30 monthly fee

Authorize.Net  (Gateway only)
- $199 to $299 setup fee, $0.25 per transation, $30 per month fee

2Checkout  (Gateway & Merchant Account)
- $49 setup fee, rate 5.5% plus $0.45 per transaction

WorldPay (Gateway & Merchant Account)
- $399 setup fee, rate 3.25%, $50 monthly fee
 





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