Ecommerce Information

Accept Credit Cards Online Without a Merchant Account

There are two major ways to accept credit cards on your website. The first and most expensive is to have your own merchant account. Not only is this option expensive, it also requires extensive credit checks, lots of paperwork, and usually takes days or weeks before you get approved. Fortunately, there is an alternative.

Third party payment processors who will accept credit card payments on your behalf exist in growing numbers. These third party processors will take a percentage of your sale for their troubles, then pass on the rest to you. Rates vary greatly from one payment provider to another so doing your homework is important in order to get the right fit for you. Some payment providers will accept all kinds of goods and services while others specialize in only digital products, or hard goods, or services.

General Purpose Payment Providers include:

Paypal - Owned by Ebay, Paypal offers one of the lowest rates of any third party payment processor. At the time of this writing, their standard rates were 2.9% plus $0.30 US per transaction. Paypal offers excellent support and great documentation to get you up and running in no time at all. - Has a $49 US one time setup fee. Their rates at the time of this writing were $0.45 US plus 5.5% transaction fee. Discount rates are middle of the pack, service is very good and through them, you can accept most major credit cards.

Digital Information Payment Providers include:

Clickbank - You pay a one time $49.95 US activation fee. They then pay you the retail price of your product minus $1 and a 7.5% fee. Clickbank also has an easy to use affiliate program so that you can make money when others sell your product.

Digibuy - An electronic commerce solution for publishers of software, shareware, electronic art, information, and data. They charge a rate of 13.9% per transaction with a $3 US minimum order. They provide you with many features including brandable order forms, invoicing and test orders.

All but Clickbank give you the ability to have brandable shopping carts. This allows you to customize your order forms so that the customer doesn't feel like they are leaving your site thereby building trust. All of the third party payment processors above provide you with help to get started.

Accepting credit cards online doesn't have to cost you a lot of money. Most times it doesn't even have to include a credit check. Most of these services will even make regular deposits directly into your bank account for ultimate convenience.

When you need to accept credit cards quickly and inexpensively, one of the payment providers mentioned above just might fit the bill.

This article was written by Joe Duchesne, president of, a web hosting b2b company that offers a free ecommerce shopping cart. Copyright 2004 Yowling. Reprint Freely as long as you provide a clickable link back to my website from this resource box.

Internet and Businesses Online:Ecommerce Articles from
03/19/2018 09:28 AM
Rise In Online Delivery Amidst Heavy Rains
The January rains kept people indoors and the high street surprisingly lacklustre, though nothing stopped shopaholics from getting what they want. The weather affects nobody anymore, especially their shopping habits, as people can shop anytime anywhere these days so long as they have their desktop computer, mobile phone, or other devices to hand. And with a range of apps designed for mobile shopping, consumers can easily obtain their needs (and wants) with just a couple of clicks, without having to worry if the weather agrees to it.
03/19/2018 09:22 AM
Your Complete Guide To Google Shopping
Google shopping is now more effective than "text ads" for retailers, yet there are fewer retailers using Google Shopping. Better market and less competition. If managed effectively, Google Shopping can deliver a fantastic return on advertising spend. Here is a complete guide on how to do Google Shopping well.
03/15/2018 08:35 AM
How Magento Developers Can Help You to Increase Your Online Store Conversions
Ecommerce is booming and has become the only trillion-dollar industry that allows online retailers to sell easily. With more than 2,00,000 online stores powered by the Magento platform, it has helped retailers to face the tough competitive market and survive by offering best in class features and functionalities.
03/08/2018 11:06 AM
Most Recommended 10 Magento 2 Extensions for Every Magento 2 Store
1. Magento 2 Gift Card - Don't you jump with joy when you receive a gift? It enables store owners to generate more business as well as it also encourages their buyer to come back and redeem their gift card. 2. Magento 2 Product Label - a. You might have seen some labels, depicts some offers going on such as 'Sales', 'New', 'New Item', 'Limited Stock', 'Hurry' and much more...
03/07/2018 01:50 PM
Benefits of a Multi-Vendor Ecommerce Store
The ecommerce industry has made a remarkable progress by helping the customers in fulfilling their needs efficiently. However, with the increasing number of ecommerce retailers, the competition in the market has increased. Thanks to the development of technology, starting an ecommerce store becomes an easy task for the entrepreneurs who wish to enter the online retailing world.
03/06/2018 09:12 AM
How to Use Low Stock Levels To Sway Purchase Decisions
Better let your customers know if your stock is running low than upset them when they find the item they want gone. Nothing can be more frustrating, especially if they got their eye on a particular thing and have been planning to buy it. Notifying your customers of low stock items will help them plan their purchase. If they're dying to get their hands on something which is likely to disappear in 10 minutes, at least they can buy it then and there or request you to reserve it for them.
03/05/2018 12:05 PM
4 Aspects to Consider Before Investing In a Custom Product Designer
If you want to stand out amongst your competitors in the competitive ecommerce market, it's time you invest in a Custom Product Designer. Know what pointers you need to keep in mind before you configure one of these tools with your ecommerce platform.
03/02/2018 09:18 AM
Major Ecommerce Mistakes That Could Be Killing Your Sale
Your Ecommerce Website is your medium to connect with the audience. Thus, it has to be perfect and professionally designed to deliver the best experience to the user. Your conversion success rate depends on the structure of your website and overall performance it delivers.
02/27/2018 09:38 AM
4 Primary Features Shopify Offers to You
Shopify is a shopping cart platform for designing your e-commerce store. It comes up with some essential features that will help you make your store attractive to your buyers. Everything on Shopify is easy and simple.
02/22/2018 10:43 AM
Thinking About Moving Your Business Online? Here Are Some Advantages
Let's face it! Days of traditional commerce are long gone. More and more businesses are nowadays considering expanding into the world of eCommerce in order to keep up with their competitors.
02/19/2018 09:01 AM
UK Online Sellers Make Headway In China's eCommerce
What do you do when a giant online retailer from the country with the largest eCommerce market comes to town and asks you to join their party? Of course, you say let's go! The United Kingdom currently have the third-largest eCommerce market in the world, but if their online retailers start using China's online behemoth who knows where they'll be in 2020?
02/16/2018 11:08 AM
Best Ways to Scale Your Ecommerce Business
Wondering how to Scale your ecommerce business? When you are planning to start a business, there are many things that you need to consider before you can actually start it. The very first step is to come up with an idea and then make set up a solid profit earning plan.
02/15/2018 08:13 AM
Smart eCommerce Trends That Are Going to Rule the Market of 2018
This article is going to pinpoint the booming trends in the Odoo eCommerce development field that would dominate the market of 2018. According to a recently made survey, by 2020 the industry of eCommerce would grow following an exponential graph.
02/12/2018 09:26 AM
Why Do You Switch to BigCommerce for Your E-Store?
BigCommerce has widened the functions for the companies planning to open up an e-store. It is a shopping cart platform that comes up with many essential features from selling a product to optimizing a site. Read on to know why you should switch to BigCommerce.
02/09/2018 09:10 AM
Follow 11 Simple Tactics to Develop a Customized E-Commerce Website
The web world unfolds wide horizon for various opportunities for the users. One such opportunity led to the launch of online businesses. Many entrepreneurs are upgrading their physical businesses to online store through e-commerce websites.
02/08/2018 09:22 AM
How to Boost Sales Using the Magento 2 Checkout Feature
Cart abandonment is a nightmarish issue for the ecommerce vendors to deal with. Read on to know how the Magento 2 Checkout feature can help you get rid of this issue and boost sales.
02/07/2018 02:40 PM
The Redefined Heights of Ecommerce Possibilities
Understand how the ecommerce store owners can evaluate their success during the festival season and month on month growth? Know more about the science of data driven changes for your web store.
02/06/2018 09:30 AM
The Irreversible Damage Ghosting Customers Creates
Ghosting is commonplace in dating, as it's a shortcut-albeit unpleasant-to breaking up with someone. However, it has inevitably caught on in the eCommerce industry as some retailers don't have the decency to communicate with their customers following a purchase. Disappearing on someone, whether a date or a customer, is never a good thing, but it has more serious repercussions in one's business than in their personal affairs.
02/05/2018 03:48 PM
Ten Quick Digital Marketing Tips for an Ecommerce Startup in 2018
Now there are lots of ways to go about promoting your E-commerce startup, but when there's a funds crunch and every resource counts, then you better be careful about each step you take. Here are some quick Digital Marketing for E-commerce tips, tricks and strategy suggestions that should help you better promoting through digital marketing for E-commerce startup of yours.
02/05/2018 12:00 PM
Top 3 Reasons Why Marketplace Sellers Should Build an Online Store
You would have started thinking of selecting an ecommerce platform provider for getting your store kick-started. There are numerous ecommerce platform providers in the market which can get your job done. Various parameters are included in choosing the best platform which completely depends upon your requirements. You can choose StoreHippo for fulfilling all your needs and build an online store for your products.
02/05/2018 09:26 AM
Why It Is Essential For E-Commerce Retailers To Select The Correct Shipping Supplies
E-commerce entrepreneurs seldom take shipping supplies into consideration. Their focus is most probably on product development, securing their first sale and online store design, rather than packaging such as bubble wrap and boxes. The importance of considering shipping supplies ahead of your first sale should not be overlooked. Being unprepared could affect your profits and impair your brand identity. Read on for some good advice and tips.
01/30/2018 09:29 AM
AI Technology To Fraudproof Cardholders
Speed in responding to customer queries and delivering orders can be easily met by online businesses as artificial intelligence (AI) is now in practice in eCommerce. However, it takes more than expediting customer support and delivery time to retain your existing customers and gain new ones. As an online seller, you should be able to protect them from credit card fraud.
01/25/2018 09:46 AM
Increase Your Conversion Rates With Product Photography
High-quality product photography is an essential tool for driving sales to your eCommerce store. It compensates for customers' inability to touch and feel the items that you're selling. In bricks-and-mortar shops, people would usually try the products on display racks before deciding whether or not to buy them. When it comes to online shopping, they weigh the pros and cons of purchasing a product based on what they see, not feel.
01/23/2018 10:00 AM
What Makes WooCommerce The Best Ecommerce Platform?
WooCommerce is one of the majorly favoured choices when it comes to having an ecommerce store. This article will acquaint you with the reasons that make it one of the best ecommerce platforms.
01/22/2018 03:57 PM
How To Get Customers To Buy From Your Website
Understanding the 3 stages a customer goes through before they buy from your website will help your business significantly. It keeps you focused on providing just what they need and when they need it.
01/16/2018 09:18 AM
Escaping The Pains Of Long Term Storage Fees
After a big sales event like Christmas or Prime Day, third-party sellers on Amazon should pay immediate attention to their unsold merchandise at fulfilment centres. Inventory that's been stored for six months or more should be cleared out or sellers risk spending their profits on high long-term storage fees.
01/08/2018 02:40 PM
4 Possible Reasons Your Ecommerce Return Rate Is High
In reality, returns are a fact of life when it comes to online shopping. Still though, brands can do their part to minimize this costly, time-consuming process. Here are four possible reasons your ecommerce return rate is high; if any of these apply to you, it's time to work on a solution to improve your bottom line and customer experience.
01/08/2018 10:13 AM
Impact of Demonetization on the IT Industry
India Inc. is eagerly waiting to see the impact of demonetization thanks to the government's effort to bring in a cashless society. Although the move can give a boost to the IT sector, all depends on the swift response of businesses especially the SME and MSME segments to stay connected for cashless transactions.
01/03/2018 11:44 AM
5 Reasons Why Mobile Marketing Is Important
Mobile marketing is the new definition of internet marketing. Mobile has become an essential part of our life and people nowadays are extremely comfortable shopping online using their mobile devices.
12/28/2017 11:39 AM
The 3 Best Ecommerce Website Platforms for Small Business
If you're starting an ecommerce business (or already run a brick-and-mortar business that you are looking to expand online) choosing the right ecommerce platform can quickly become painfully confusing. With such a wide range of platform choices (and prices) out there in the wild, how can you be sure that the ecommerce software that you choose is right for your small business? To save you the headaches, we've narrowed it down to our 3 favorite options below:
12/28/2017 09:15 AM
How Can You Benefit Out Of Shopify Custom Development?
Shopify App Development service is a popular e-com platform available in the market for rising online businesses. Shopify provides a self-hosting solution. In addition, it features a bunch of tools in exchange of a recurring subscription charge. It further sets up a retail space for your online shop as the host.
12/27/2017 11:05 AM
Magento Versus WordPress: Which Is The Better Platform?
In the era of digitization Magento and WordPress has emerged as most famous platforms for constructing thriving online webstores. One of the most frequently asked question around the globe is which is the better platform between Magento and WordPress?
12/27/2017 09:49 AM
Magento Takes Ownership Of Amazon's 1-Click Button
The last thing that shoppers want, especially when they're cramming for last-minute presents during the holiday season, is an excruciating checkout process. To many people, it's just pointless to waste their time on a repetitive task which a store owner obviously has to find a solution to. Thanks to Amazon whose 1-click patent expired in September this year, Magento has become the first eCommerce platform to offer a similar feature to ease the checkout experience of customers and boost the conversion rates of online sellers like you.
12/19/2017 09:27 PM
FBA - Fulfillment by Amazon
You may have read about FBA on many websites, especially on Amazon. FBA stands for Fulfillment by Amazon. What is it and how does it work? Can you save money or enjoy other benefits with this offer or process? If you are looking for answers to these questions, you are on the right page.
12/13/2017 03:56 PM
How to Choose the Most Suitable Online Shopping Cart?
An eCommerce store is incomplete without an online shopping cart. It won't be wrong if we call the online shopping cart as the heart of the eCommerce website. A good shopping cart is always responsible for the growth eCommerce business and customer satisfaction.
12/13/2017 11:35 AM
A Few Characteristics Of The Best Android And iOS Payment Gateway Services Providers
These are some of the attributes of the best Android and iOS payment gateway that you should know about. Easy integration- When it comes to integrating a payment gateway with your mobile website or mobile app, on either Android or on iOS it is slightly different
12/08/2017 09:38 AM
Digital Content Outpaced By Physical Media
Does your inventory include physical books, DVDs, Blu-ray discs, and other similar products? If you answered a confident "yes", aren't you lucky! That's because physical media is making a strong comeback, especially in the UK, and can drive up your revenue this holiday shopping season.
11/27/2017 11:24 AM
Holiday Season Tips For Ecommerce Websites
Festivals are here along with the winter! What have you planned for your ecommerce business? If you haven't decided to give it a makeover, now is the time for you do that. This article will help you prepare your ecommerce store for this festive season.
11/27/2017 09:53 AM
Online Payment Insights To Boost Your Conversion Rates Like Never Before
Customer journey mapping is used to identify customer touchpoints. Different techniques are then used to fine tune these touch points so as to offer your customers a unique and unforgettable experience.
11/25/2017 05:26 PM
How Soon Before I Make Money?
When it comes to earning money online are you trying to earn a quick buck or are you trying to build a business? You should ask how soon will I make my investment back. Not how soon can I make money.
11/22/2017 09:25 AM
Do the Most Common Design Rules Apply to Ecommerce As Well?
The rules for e-commerce and the rules for design are many times contrary. Although minimalism and streamlined interfaces and limited text (as well as messaging) are commonly associated with some of today's best design projects they may not be practical on a retail site. For ecommerce sites, conversions are the ultimate goal.
11/21/2017 09:54 AM
GS1 Identifies The Six Types Of Online Sellers
GS1 sets product identification standards to ensure that consumers are able to locate the products that they want, whether in-store or online. As the number of businesses using online marketplaces to sell products increases, GS1 saw the need to identify the purpose of these businesses and the challenges that they face. Their findings reveal that there are six types of online sellers whose reasons for selling on online marketplaces are triggered by various factors.
11/13/2017 02:56 PM
The Importance of a Good, Clean Image for Your eCommerce Store
We live in a world where people are overwhelmingly focused on visuals, and, especially when it comes to the internet, appearance is everything. What customers see when visiting your website has an enormous impact on the success of your online business. When considering the most successful online retailers, they all have one thing in common: a streamlined and visually stunning website complete with high-quality, professional imaging.
11/09/2017 08:51 AM
Facelift Your Online Business With Magento 2 Development and Support Services
Do you have an ecommerce store that was developed years ago and need an upgrade from Magento 1 to the latest Magneto 2 version? Or are you searching for a good consultation company that can offer you unparalleled Magento support services?
11/08/2017 11:32 AM
A Shopaholic's Quest - E-Shopping or Brick & Mortar?
The endless chase is a mere reflection of humans as creatures who want more, newer, better. This chase also happens to be our driving force at most times - a new car, the latest smartphone, and the A line dress that you just can't get over.
11/07/2017 03:35 PM
3 Exclusive Benefits of Providing Poster Printing Services Online
Business owners are on the lookout to promote their business by designing personalized posters. Know how you can benefit by offering poster printing services.
11/03/2017 02:26 PM
9 Essential Elements of a Successful E-Commerce Website in 2017
The internet retailing landscape has become more competitive than ever. Hence, it is crucial for e-commerce retailers to build a powerful and engaging platform that leaves a convincing impression right at the beginning. This article will elaborate the 9 must-have elements that an online retail store should have in order to be well-prepared for the online competition in 2017.
11/03/2017 08:53 AM
Why Go For Magento Ecommerce Website Development Services
There are many reasons why you should use the Magento platform. When it comes to creating a new store or getting to a new version, then Magento tops the list. Therefore, let's take a look at some of its key features and know why Magento is a great option for Ecommerce websites.
10/27/2017 09:24 AM
Shopify Development Services: The New Trend!
Websites are now among global business necessities. Almost all business and corporate entities need a well-designed website to exhibit their services, purpose, brand and goods. Ecommerce websites permit your business to efficiently reach all customers easily. They also provide customers with an opportunity to conveniently deal online from a remote location with devices on hand.
10/27/2017 09:09 AM
How Do Shoppers Plan To Swoop Black Friday Deals?
Black Friday this year is going to be very big in the UK, as 81% of shoppers are planning to go on a shopping spree and swoop up the best deals. In the US, about 44% of consumers said they are looking forward to the shopping event. Knowing this information as early as now could help you prepare and get a bigger piece of the pie.

home | site map |