Starting an Online Business? Here’s How to Accept Payments

You’ve recently started an online business and are looking for the best ways to accept payments from your customers via the web. You’ve got your website all set up, and a product or service to provide, all you need is a few different ways to collect your money.

Figuring out the best (and cheapest) ways to accept payments online can be a bit overwhelming at first. With so many options to choose from, it’s easy to make the wrong choice and lose out on your money as a result.

So if you’re looking for information on how to accept payments online, and are wondering what the best methods are to do so, then you’ve come to the right place!

In this article, we’ll give you a few different ways that you can accept payments for your online business, including the cheapest way to accept credit cards!

Now then, let’s get started!

Credit Cards

The ability to process credit cards is an absolute must for any small business. But if you’re not familiar with the process, you could lose some serious cash over time as a result.

When you’re processing a credit card, there’s a processing fee that has to be paid by someone. And if you don’t choose the right credit card processing company, that someone could be you.

If you know this already, you might be turned off by the idea of accepting credit cards directly at all. But don’t be! There are plenty of ways to do so that are friendly to even the smallest of small businesses.

The best way to avoid losing part of your commission because of this fee is to charge customers a small convenience fee for processing their card. This is pretty standard, in fact, you probably pay this fee all the time when you use your credit card, so don’t worry about it turning customers off.

Doing this means free credit card processing for you, which can really help you out, especially if your business is just getting started.


Another popular payment method online businesses love to use is eChecks. And if you’ve never heard of the term eChecks, don’t overthink it, they’re exactly what they sound like.

Not only is accepting eChecks easy to do, but they’re also much safer and more reliable than traditional checks. So you can have peace of mind knowing that you’re actually getting your money when you think you are, which is an added bonus.

Most credit card processing companies deal with eChecks as well, so you can probably have both handled by the same team. Just make sure you have a firm understanding of what it will cost on your end to process the eChecks, so you can adjust your prices accordingly.

Apple Pay

Over 250 million people in the United States have an iPhone in their vicinity right now. So it only makes sense that Apple themselves would create a payment method for all of those users to easily make purchases with.

Apple Pay is obviously extremely popular, which is why it’s a good idea to set up an account for your business. Offering a familiar payment method can help increase your chances of making a sale, and Apple Pay is pretty easy to work with on your end, too.

Again, setting up your Apple Pay merchant account is easy. And best of all? There are no processing fees, so you don’t have to worry about adjusting your prices when dealing with Apple Pay.

Google Pay

Google Pay is nearly identical to Apple Pay, even in the name!

One neat bonus of dealing with Google Pay is, if you’re working with Gmail, you can easily send and receive payments in your messages. So if you’re someone who does a lot of business via e-mail, this could be something that makes the payment collecting process that much easier for you.


PayPal is one of, if not the most popular way for online businesses to accept payments. Because of this, using PayPal is easy for both you and your customers, which can come in handy during the collecting process.

It’s worth noting that PayPal also charges a small processing fee, so you’re going to want to keep that in mind when collecting payments via PayPal. In fact, PayPal is one of the most expensive ways to collect payments online at the moment, so you may want to consider other options on this list first if you can.


If you’re looking for a way to easily sell products online, Shopify is worth seriously checking out. Shopify will help you create an aesthetically-pleasing online store with an easy-to-use payment processing solution built-in.

Customers will make transactions on your Shopify, and pay on the platform directly, so it’s convenient for everyone involved. They have a multitude of plans, depending on what works best for your business, that are competitive with the other options on this list.

How to Accept Payments Online

Well, there you have it! Now you know how to accept payments online!

First and foremost, you want to make sure that you can accept credit cards. When setting up an account with a credit card processing company, just make sure you’re not paying the processing fee yourself, at least without being aware of it upfront.

Things like Apple Pay, Google Wallet, and PayPal are good options to have in your back pocket, too. Remember, the more options you have, and the easier it is for a customer to make a payment, the more likely it is that you will make a sale.

Looking for a credit card and eCheck processing company for your online business? Contact us today, we’ll be glad to assist you!

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