How To Accept Credit Card Payments Online Vs. In Store

In order for a business to accept credit card payments, certain factors should be considered. Small businesses can accept credit cards online without paying expensive terminal fees and getting locked into a long contract. Online credit card processors can be reasonably priced.

To accept credit cards online, you will need to have a merchant account and a payment gateway. If you’re planning to sell through an online store, you also need an online shopping cart. With an all-in-one payment processing service, you can accept credit card payments from anywhere you have an internet connection.

There are different merchant services and resellers, and they go by many names: eCommerce solutions, payments online, and credit acceptance. You should take into account the following criteria when pursuing merchant services.

Application and Setup

Most merchant services are happy to get you signed up, so they make the application process easy. Some companies accept online applications. Most provide a simple online form and then follow up with a phone call to discuss personalized options for your individual company.

Monthly Fees

When you begin to accept credit card payments, it involves a number of parties who all charge fees that are passed on to the merchant. Merchant providers, however, are competitive with pricing. This means that you can shop around and find the lowest rates. For the best rates, consider all of the additional fees and your realistic number of transactions.

Account Benefits

A streamlined interface and easy transaction management are important when taking payments online. If you’re selling subscriptions, you want recurring payments online. If you have several employees, it is smart to look for services with multiple accounts.


As threats about accepting credit cards evolve and news of security breaches spread, merchants and customers are concerned about security with payments online. There are several security measures to protect credit card holders and merchants. Processors that don’t have the right security in place or aren’t completely Payment Card Industry (PCI) compliant are not worth considering.

Help and Support

Having good support from your online credit card processor is important to make sure there are no errors in your customers’ access to your goods and services. You should look for an online merchant service company that offers twenty-four hour support seven days a week.

You should also analyze the pricing algorithm to see if there is one service that best matches your business model. The features should correlate to how you conduct your business. The sooner you accept credit card payments online, the better off your business will be.

At Allied Wallet, we are an industry leader in the safety and security of accepting credit cards. We have the payment services in place to meet the needs of many different types of businesses. From our Quickpay service to Business Pro, Allied Wallet has the necessary programs to assist your business in its secure payment processing.

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