How to Accept Credit Card Payments Online for Free

Cody Cromwell
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Most Affordable Ways to Accept Payments Online

ACH and E-Check Payments

To accept payments by credit card online, you will need to set up a merchant account with a bank or financial institution. It will allow you to accept ACH and E-Check payments directly from your customers. There are three types of credit card payments – ACH, E-Check, and Credit Card.

ACH Payment is a bank-to-bank transfer. It will not look like a credit card payment as there is no visible credit card companies logo and no charge to the customer.

E-Check Payment is similar to a Credit Card payment in that the customer has to enter their credit card information. But unlike a Credit Card payment, the customer does not pay anything for the purchase.

Credit Card Payment is a real credit card charge to the customer’s account. But for small purchases, it minimizes fees for both you and the customer.

Credit and Debit Card Payments

Online payment option for credit cards is so popular. If you want to accept Credit Card Payments online," your main concern will not be the Credit Card Processing fee, because you can do that for free.

Only after that, Payment gateway fee will be your concern. I have introduced you one of the best Credit Card Processing companies , which offer payment gateway for FREE.

I have used this company for the last 5 years without paying any single cent.

Now, you can use their service and get payment gateway for free while developing your website. I am sure, it will boost your sales as well.

You can get a FREE Trial by clicking on this link ' register now ' on this site.

And if you have already an account with them, you can login into your profile and get easy fee calculator.

You can also reach on their website or call them via their toll-free number.

They are experts in this field and I assure, you will find them very helpful.

The company will not share your Credit Card information with anyone, but they will share your bank account information, which is fully secure.

Mobile or One-click Payments

Stripe has its own library of third party payment systems that can be added to your website. These functionality levels are known as Standard, Advanced, and Payments. You can use the Stripe.js library without taking any action, and once your server-side code is hooked up, you’ll automatically be able to accept payments online.

Stripe.js imposes limits in the number of cards you can use on a given page. For the most part, these limits are based on the number of parameters included in the card, which is about 10. The limits are a case by case, so they might be lower for you. It’s important to keep in mind that you can always allow more cards if you need to.

The limits are:

  • Basic Standard, Standard, Advanced, and Payments 10 20
  • Advanced Standard, Standard, Advanced, and Payments 10 50

Stripe supports multiple cards on a single page, which is great if you need to validate multiple cards for some reason, or if you’re using the cards to authenticate your users. For example, you can use the cards to display one logged in user and show a different page for another non-logged in user. This can be useful for apps that use personalization based on user input on the profile page.

Low-cost Online Invoicing

Being a business owner, you need to accept credit card payments. However, there are other considerations that you need to make.

It needs to be easy for your customers to pay you.

It should not be expensive for you to accept card payments.

Finding an intermediary services that will help you work with credit cards is affordable.

For online businesses, there are multiple options to accept credit card payments.

PayPal is hands down one of the most popular ways to accept credit card payments online. PayPal is the most popular online payment gateway with over 123 million users in 180 markets. This means there’s a good chance that many potential customers are already familiar with it.

PayPal, which is a trusted name in the payment gateway industry, requires a relatively small amount of time to setup and signup. Once you have a PayPal account, you can then activate your PayPal credit card gateway.

The advantages of accepting payments online using PayPal are as follows:

Easy to setup

PayPal offers numerous payment methods. You can activate the credit card gateway 24 hours after you setup your PayPal account, and it takes around 2 minutes to configure everything.

Once you have your credit card gateway setup, it only takes 2 easy steps to process a payment.

Create an order.

Send a message containing your customer’s order information.

Costs of Accepting Payments Online

There are several ways you can accept credit card payments online. Essentially, you can accept payments using a credit card processor’s service; by using a service such as PayPal that keeps money in the merchant’s account till it is withdrawn by the customer; by selling items as a merchant on eBay; or by using a platform like Shopify to set up your own store. You can also start accepting credit card payments directly on your website.

There are costs associated with all of these methods, so you’ll need to decide which one works best for your business. In this post, we’ll discuss the costs associated with accepting credit card payments online. We’ll also show you the features to look for and which to avoid based on our own experiences.

How to Choose a Payment Processing Solution

What is a payment processing center?

A payment processing center is a service business that provides online payments services ranging from credit card processing to electronic check processing (EFT). Though we’ve always used credit card payments and electronic funds transfer (EFT) as forms of payment, the concept of online payments and the need for a payment processing center with the proper technology and procedures have exponentially increased manifold.

It needs to be a well established company that has the right software and plenty of useful features. Today, opting for the best payment processing solution is a smart decision as it cannot be disputed about the benefits. Using a foreign currency processing center helps you save time and gives you the flexibility to manage multiple currencies.

Bottom Line

All credit card terminals come with a pre-set rate that is cheaper for them; but the merchant has to pay a percentage to use it. Plus, all you end up doing is slugging your customers with extra fees.

Then there are the PCI compliance fees (I wont even go there) and the rate differentials between the merchant and credit card processor rates.

So, with all that having been said, you ask, "Why would I do this?" Let's see why and some options that don't cost you money.

It is true that it can be difficult to accept credit card payments, mostly because of the PCI compliance requirements.

These are some of the reasons why I like to accept credit card payments for my online store.