How to Accept Credit Card Payments Online

July 25, 2018

Whether you’re new to the world of online payments, or are modifying your online store or you are looking for ways to freshen up your online store it’s important to know how to safely accept credit card payments online.

If you’re interested in learning about how to accept credit card payments online, consider the following steps to make sure you’re payment ready.

Ensure Your Website is Built for Ecommerce Integration

There are many website hosting platforms available, but did you know that not all of them can support the addition of an online payment system? This means that the first step to accepting credit card payments online is a simple, but pivotal one: make sure that your website is hosted on a platform that is able to integrate with online payment technology.

One of the most simple ways to verify this is to reach out to the website hosting platform or developer that you worked with to create the website, and discuss the possibility of integrating online payment abilities. You may discover that your website is already built for this, or there needs to be a few modifications made to safely accept payments.

Partner with a Payment Processor

Once you check that your website can support online payments; it’s time to choose a payment processor. It is important that you do your own research to make sure you choose the company that will best meet the needs of your business.

If you’re already working with a payment processor to accept payments in-store, you may decide to use them for your online payments as well. But because certain companies can thrive in different areas, it’s important to make sure you are aware of all your options before deciding.

There are a few specific things you should ask a potential payment processor when considering them for your online payments. These include:

  • What are their ecommerce integration options?
  • What are the technical requirements needed to accept credit card payments online?  
  • What are the fees associated with accepting online payments?
  • Are there any restrictions in terms of card brands you need to be aware of?

Choose an Online Payment Solution

After choosing the payment processing company you’ll be relying on for accepting credit card payments online, you will need to select the solution-type that will work best for your needs. There are two standard solutions for accepting online payments: a Hosted Pay Page (HPP) and Application Program Interface (API’s).

A simple solution like a HPP can be integrated quickly and easily, without the need for advanced coding skills. An API offers a seamless integration for custom-coded websites, but may require working with your development team or website host to install correctly. To learn more about HPP and API, take a look at our blog The Best Online Payment Methods For Your Business.

Your payment processor will be able to determine which online payment solution is better suited for the needs of your business, as well as explain the steps for connecting this payment solution with your website.

Start Taking Payments! 

Once your online payment solution is combined with your website, it’s time to start taking payments! If you’re interested in learning more about online payments, make sure to check out our article The (Potential) Future of Payment Technology!


The information in this article is provided solely for informational purposes and is not intended to be legal, business or other professional advice or an endorsement of any of the websites or services listed. 

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