Life hack

How to use paypal to accept credit card payments

Start selling online in no time with PayPal credit card processing. Accept credit cards in as little as 15 minutes. Whether you’re a new or established internet business, PayPal has a fast, easy, and affordable way to accept credit cards online. See which solution is right for you.

Sales: 1-866-365-7994
Support: 1-888-221-1161 Start accepting:

Two great ways to accept credit card payments – and your customers don’t need a PayPal account to pay you.

Our easiest, most popular way to accept credit card payments is a product called PayPal Payments Standard. You can literally create a payment button in about 15 minutes with no programming skills required.

Higher-volume businesses prefer PayPal Payments Pro. It’s a more sophisticated way to accept credit card payments and provides the convenience of an internet merchant account and gateway all in one. You also get low, simple pricing and one point of contact for questions and support.

See which credit card processing solution is right for your business.

Looking for an easy, affordable way to accept credit cards?

  • No advanced programming required
  • Works with most popular shopping carts
  • No monthly fees and no setup or cancellation fees
  • You only pay a small percentage of each payment you receive
  • Built-in fraud screening at no additional charge

Need a more sophisticated credit card processing solution?

  • Added functionality allows for offline credit card processing
  • Supported by most popular shopping carts
  • Comprehensive fraud screening and account reporting at no additional charge

Want to accept credit card payments via phone or fax?

Don’t spend $300 on a card swipe machine, use Virtual Terminal and turn any online computer into a credit card terminal. Virtual Terminal is included in our PayPal Payments Pro solution, but can be used separately anytime, anywhere you have a computer and an internet connection.

Accept credit cards today.

All credit card processing solutions are not created equal. Discover the best product for your specific business needs by comparing our online payment solutions.


Sales: 1-866-365-7994 | Support: 1-888-221-1161

There’s a lot more to PayPal than just credit card processing.

PayPal offers a variety of products and services to help you grow your business.

  • Explore our complete list of merchant services
  • Can’t decide? Compare our payment solutions
  • PayPal works with all of the most popular shopping carts
  • Help
  • Contact
  • Fees
  • Security
  • Apps
  • Shop
  • See all countries/regions
  • About
  • Newsroom
  • Jobs
  • Investor Relations
  • Social Innovation
  • Public Policy
  • Sitemap
  • Enterprise
  • Partners
  • © 1999–2020
  • Privacy
  • Legal

We’ll use cookies to improve and customize your experience if you continue to browse. Is it OK if we also use cookies to show you personalized ads? Learn more and manage your cookies

Start accepting payments on your website in minutes. We’ll help you every step of the way.

Add a PayPal button by pasting our code on your site.

Let the world know you now accept all major credit and debit card payments.

Improve your sales as buyers check out more easily.

Button up your business.

Your business is unique. How can we help you?

Add a checkout button

Easy to set up, our buttons are a great way to accept payments, subscriptions and more. Just paste some code into your site and you’re ready to go.

Express your checkout

Whether you accept payments already or not, add our express checkout button to give your customers a faster, hassle-free checkout on your site, m-site or app.

Make your business mobile

Tap into more funds. Accept payments on your mobile devices.

Go digital

Music, e-books or software, you can sell on your online site just about any digital product.

Money in the bank.

After every sale, the payment hits your PayPal account usually in minutes.

Click with your customers.

Time is money, that’s why over million shoppers check out with PayPal. It’s as fast as a few simple clicks. No wrangling of addresses, 16-digits, expiry date or codes.

“With PayPal, we can confidently provide customers with a reliable and secure online checkout experience which is simple, swift and smooth, no matter where they are.”

The power to choose.

Your overseas customers can pay with their bank account, credit or debit card and PayPal balance (whichever is applicable).

We’ve got your back.

Our Seller Protection policy protects your eligible sales. From fraud protection to 24-hour monitoring and advanced encryption, protecting your business is serious business to us.

13.1 million buyers are actively using PayPal in Asia Pacific.

No hidden costs.

Keep more of your money with our transparent fees.
More about fees

Accept credit card payments from your customers online or in person. It’s easy to get started and includes straightforward pricing.

Get a PayPal business account

Process credit card payments online

Accept credit card payments in person

Pick a card – any card.

Well, almost. PayPal can accept a range of credit and debit card payments, including Visa ® and MasterCard ® , although PayPal Here™ does not support American Express credit card payments.

Accept credit card payments up close and personal.

PayPal Here™ enables business account holders to accept credit card payments on smartphone or tablet. All you need to do is sign up, download the free app and order your Chip and Pin card reader.

Take phone order payments virtually anywhere.

Virtual Terminal allows you to accept credit card payments on your PC, smartphone or tablet wherever you have internet access. All major credit cards are accepted and the service costs just £20 a month, plus transaction fees.

Simple and transparent seller fees.

Our fees are transparent—we charge UK sellers a fee of 2.90% + £0.30 per transaction.
• No set-up fees, monthly charges or cancellation charges
• You only pay after you receive payment – better for your cashflow

Safeguarding your business.

Our acclaimed Seller Protection safeguards your business throughout the payment process (even after the sale on qualifying transactions). Protecting your interests is a serious business to us.

You are viewing the PayPal Community Archives. This content may be old or outdated. Leave the Archive

Chat with our moderator team every Wednesday between 1-2pm PT (4-5pm ET). Learn more in Community Events

  • Subscribe to RSS Feed
  • Mark Topic as New
  • Mark Topic as Read
  • Float this Topic for Current User
  • Bookmark
  • Subscribe
  • Mute
  • Printer Friendly Page

accept credit card payments from nonpaypal users

  • Mark as New
  • Bookmark
  • Subscribe
  • Mute
  • Subscribe to RSS Feed
  • Permalink
  • Print
  • Email to a Friend
  • Report Inappropriate Content

I have an online store and I use my paypal to collect money from orders. It only allows payments from other paypal accounts. How can I change it to allow payments from nonpaypal users with a credit card? I’m very frustrated by this. Please help if you can.

  • All forum topics
  • Previous Topic
  • Next Topic
  • Mark as New
  • Bookmark
  • Subscribe
  • Mute
  • Subscribe to RSS Feed
  • Permalink
  • Print
  • Email to a Friend
  • Report Inappropriate Content

See Skier’s comments in this thread, which asks the same question.

  • Mark as New
  • Bookmark
  • Subscribe
  • Mute
  • Subscribe to RSS Feed
  • Permalink
  • Print
  • Email to a Friend
  • Report Inappropriate Content

Things to know about the Credit Card Option:

First, your Item Button Code require no special coding. It’s related to how your Account is setup.

* Your account must be either Premier or Business.
* PayPal Account Optional is turned on – this enables non PP Members to pay by Credit Card
* The email address you use to log into your PayPal Account must be verified.
* The “business” variable value in your button code must be a verified email address or your Business ID.
* Bank account registered and verified/tested – so you can transfer funds
* Credit card registered – (not required but a good idea)

To turn on the PayPal Account Optional feature:
Login to your PayPal Account, select “Edit Profile”, under “Selling Preferences”, select “Website Payment Preferences”, scroll down to “PayPal Account Optional”.

Next, there are specific reasons the Credit Card Option may not be available.

* You are using Express Checkout. Express Checkout requires a PayPal Account
* You are using the wrong email address, an unverified email address or Business ID for your “business” variable value.
* The country you reside in. Not all countries have all the PayPal features available.
* The country your customers reside in. Not all countries have all PayPal features available.
* The IP address of your hosted site is on a blocked list.

Check out this link, it can tell you what features are available to the individual counties.

Last, you have your PayPal Account setup properly but, still don’t see the Credit Card Option or only see a small link to the Credit Card Option.

It’s all about the cookies. The PayPal Screens are designed to be displayed in a specific way and what you see is based on the cookies and/or your PayPal Account configuration.

PayPal relies on the use of cookies to track what’s in your cart and retain other info about you and therefore the screen that is displayed may not be the screen you expect to see. If you are a new customer visiting PayPal for the first time, the Credit Card Option will be clearly displayed.

If this is your second or third visit to PayPal and your previous cookie has not expired, PayPal now views you as a returning customer. You will get a screen with a small link to the Credit Card Option. Although this is not as obvious to the customer, the Credit Card Option is still available. For example, the cookie that holds the cart info will retain that info for up to 21 days. The only way it will change is if you remove the items selected from the cart or delete the cookie.

If you are testing your web pages, creating new code or making changes, etc., simply delete your web browser’s cookies, then close your web browser, reopen it and try your web pages again. When you view the PayPal Screens, you will now get the screen with the Credit Card Option because PayPal views you as a new visitor.

Other reasons for deleting cookies. Let’s say you changed your business email address or business graphic logo. If you don’t delete the cookies before you test, you will still see the old information.

Start accepting cards and PayPal payments on your website. Setup is fast and easy. We’ll help you in every step of the way.

Activate PayPal on your website.

Have your buyers feel more secured by promoting PayPal on your website.

Get paid more easily.

Solutions for all needs.

Your business is unique. How can we help you?

Attract more customers

Millions of online shoppers prefer PayPal’s faster checkout experience.

They’ll feel safer

Whether you already accept payments on your website or not, let your customer pay more securely with PayPal.

Let your customers choose.

Your customers can pay with any of the cards they added to their PayPal account. It’s their own choice.

Money in the bank.

A few minutes after every sale, you can see the funds in your PayPal account. If you wish, you can then withdraw them to your bank account.

“We see a higher conversion rate on PayPal transactions and as a result have seen incremental sales.”

Click with your customers.

Time is money. That’s why there are more than million active PayPal accounts around the world. It’s as fast as a few simple clicks. No need to deal with numbers, expiration dates or secret codes.

We’re here for you.

PayPal Seller Protection can help protect you in every step of the payment process, even after the sale, on eligible transactions. From fraud protection to 24/7 monitoring and advanced encryption, protecting your business is serious business to us.

9 More than 9 million payments were processed everyday by PayPal in 2013.

Sell without boundaries.

Open your business to millions of PayPal active shoppers around the world. We’re available in 202 countries and 25 currencies. Currency conversion fees may apply.

Open a business account now.

  • Help & Contact
  • Fees
  • Security
  • Shop
  • EnglishEspañolFrançais简体中文See all countries/regions
  • About
  • Blog
  • Jobs
  • Site map
  • Developers
  • Partners
  • © 1999–2020
  • Privacy
  • Legal

Consumer advisory – PayPal Pte. Ltd. the holder of PayPal’s stored value facility, does not require the approval of the Monetary Authority of Singapore. Users are advised to read the terms and conditions carefully.

Build a Better Website with Elementor

Build a Better Website with Elementor

Create a Website in Minutes with Elementor

Build a WooCommerce Store Without Code

In this post, we’re going to show you how to accept payments on your website via your preferred payment gateway, using a few different approaches — no code required.

How to Use PayPal to Accept Credit Card Payments

Want to accept payments on WordPress? If so, you’re going to need two tools:

  1. A payment processor like Stripe or PayPal to handle the payments for you.
  2. A plugin to help you integrate those payment processors into your WordPress site.

In this post, we’ll help you get up and running with both. First, we’ll dig into some of the best payment gateways for WordPress that you can use to accept payments. Then, we’ll show you how to accept payments on WordPress via your preferred payment gateway, using a few different approaches (no code required).

Let’s dig in so that you can get paid!

Learn to customize your WooCommerce product pages with the power of Elementor Pro

Part One: Pick Your Payment Gateway/Processor

To get started, you’ll want to choose the payment processor that you’ll use to accept payments on WordPress, as this will affect how you go about the next step in the process.

Your payment processor/gateway is what allows you to actually process payments. For example, if someone wants to pay with their credit card, they’ll pay through the payment gateway. Then, the payment gateway will transfer the money to you…after taking a small cut.

Why do you need a payment gateway as the middleman? Because there’s actually a ton of stuff going on behind the scenes – far too much for you to handle by yourself.

When someone submits their payment information, your payment gateway will take that information and further pass it along to the bank that issued the card and the card network (VISA, Mastercard, etc.) to check the validity (e.g. whether or not someone actually has the money or the credit necessary to make the purchase). If everything looks good, the issuing bank confirms to the card network, who further confirms to the payment processor, and the money is debited from that person’s account…where it eventually makes its way to you.

So while it seems simple on the surface, there’s actually a lot going on behind the scenes to make sure that all that money is moving as it should be!

For some payment gateways, shoppers will need to manually enter their card details, while other payment gateways — like PayPal — let people log in to their existing account rather than entering their card information directly.

Typically, the “standard” fee for domestic payments in the USA is something like 2.9% + $0.30 per transaction, while international payments can be higher. Unfortunately, there’s no way to accept credit card payments without paying this fee – it’s the cost of doing business.

Additionally, some payment gateways will let shoppers use other methods of payment. For example, PayPal lets people pay with their existing PayPal balance or via their bank account, while other payment gateways enable contactless methods, like Apple Pay.

There are a bunch of reputable payment gateways out there, but two of the biggest names are:

  1. PayPal
  2. Stripe

When in doubt, I would recommend choosing one of these two, though I will list some other options as well.

1. Stripe

Stripe is a popular payment gateway that offers a simple way to accept payments via a variety of methods. In addition to standard credit and debit cards, you can also use other methods like:

  • Apple Pay
  • Google Pay
  • AliPay
  • Etc.

To accept credit card payments, Stripe charges a processing fee of 2.9% + $0.30 per charge, which is pretty much the industry standard. Additionally, unlike PayPal, users will enter their actual card details, rather than logging into their account like they can with PayPal.

Stripe can also help you set up and process recurring payments.

2. PayPal

You probably don’t need an introduction to PayPal, as it’s pretty ubiquitous at this point.

One of the big benefits of PayPal is that it lets you accept payments via people’s PayPal accounts, as well as credit and debit cards. This can be good for privacy-conscious folks who can just sign in to their PayPal account, rather than having to enter their credit card details.

In terms of basic fees, PayPal charges the same 2.9% + $0.30, so there’s no difference there, and PayPal can also help you process recurring payments.

3. Authorize.Net

Authorize.Net is another popular service that lets you accept credit card and contactless payments (like Apple Pay), either online or in person.

One downside of Authorize.Net is that, in addition to the standard 2.9% + $0.30 fee, Authorize.Net also charges a flat $25 per month fee.

4. Amazon Pay

As the name suggests, Amazon Pay is Amazon’s own payment gateway offering. Because it’s such a well-known name, your users will inherently trust this gateway.

Additionally, it lets shoppers use the payment methods that are already stored in their Amazon account, rather than forcing them to manually enter their details, which is great for privacy-conscious folks who might be wary of entering their details in an unknown site.

Amazon Pay has the same base processing fee – 2.9% + $0.30.

How to Use PayPal to Accept Credit Card PaymentsWhether you use credit cards for all your purchases to earn rewards or you just use them in case of emergency, credit card payments are a fact of life for just about everyone. And for folks who are newer to having a credit card, it can be confusing to know HOW to pay that bill. With so many payment options, you would think that most major creditors would accept electronic payment services like PayPal in the modern era, but the truth is that banks don’t like to accept PayPal payments because of the transaction fee.

Can You Pay A Credit Card Using PayPal?

The bad news is that credit card companies typically don’t accept PayPal as a form of payment for a credit card bill. The happier news is that in the world of tomorrow, we might be lucky enough to see a Paypal option to pay credit cards. For now, though, it’s mostly off-limits. With PayPal having been a major digital payment service for almost 20 years now, its credibility has grown much over the years, and even some major retailers now accept PayPal payments at check out (Dollar General is one of them that accepts PayPal in their checkout).

PayPal is a digital currency for the most part today, and your balance generally comes from a PayPal card, friends or family, services you’ve rendered or sold online, or even a PayPal line of credit itself, which you CAN pay via the PayPal balance you keep on hand (more on that in a minute). PayPal remains the most useful of all online “wallets” and continues to spill out into the real world in a useful way as well, with retailers increasingly allowing you to use your PayPal balance or credit to shop at their brick and mortar stores. For the purpose of credit card payments, though, PayPal remains largely stagnant. Why?

Well, it all goes back to the banks that you’re actually paying when you pay off your credit card bill. Banks don’t appreciate the transaction fees that PayPal charges per fee, and the banks simply don’t want to pay this transaction fee because it’s going to How to Use PayPal to Accept Credit Card Paymentstake away from their profits. Rather than do this, they simply don’t accept PayPal most of the time. Instead, banks want you to pay with things like cash, money order, or checks, and then you’re all set, even if you don’t have PayPal. The important thing to remember is to keep enough money in your bank account to pay by check, enough cash on hand to pay by cash, get a money order or you can transfer your PayPal Balance.

What Can You Do?

If you’ve got money in your PayPal account, you can easily transfer this money into your bank account so that you can pay your credit card indirectly with PayPal. It’s as simple as one-two-three.

1. Log into your PayPal account
2. Check your balance. Let’s say for example that it’s $50 and your next credit card payment is $40. You’re set!
3. Transfer the Paypal balance amount into your bank account 5 days before your credit card payment is due
4. PayPal will then put your PayPal $40 into your bank account, and now you will have the money you need to pay your credit card payment

So as you can see, you won’t be able to directly pay your credit card bill with PayPal because the banks simply don’t accept it as a form of payment. You can, however, use your PayPal balance to pay a credit card indirectly by transferring your PayPal balance into your bank account so that it will be available for a credit card payment. It’s best to do this 5 days before your credit card payment is due because PayPal can take a couple of days to transfer money into your account. It’s frequently a two-day transfer, but PayPal CAN take as long as five days to get that money into your count. Don’t take any chances.

PayPal’s Future

Digital services like PayPal pop up every day but few have a solid reputation and reliability that PayPal has earned for itself over the years. As time goes on, it’s likely that banks will somehow adjust or learn to work with PayPal so that you can make your credit card payments via PayPal directly. Until then, you have an excellent way to make your credit card payments with the money in your Paypal. Many people have online websites or make money online and are paid via PayPal. Because of this, their money originates right there in PayPal instead of going to a bank. You always have the option to transfer the online money you have in PayPal to your bank account so that you can pay important credit card bills. It’s not quite as convenient and takes a bit of work, but you can still get the payment made with that PayPal money, and that’s the most important thing.

PayPal also has many bill pay options that allow you to use your PayPal funds to pay off important online bills, providing they also accept PayPal. Thousands of businesses now accept PayPal as a form of payment, unlike the credit card companies, so it’s nice to have the PayPal option to turn to in order to pay important bills online. And even if you can’t pay directly via PayPal, you can always use the bank transfer method to use your PayPal money to pay off important bills and credit card debts. It’s a very innovate and wonderful world that we’re living in right now, and it only promises to get more innovative and convenient over the years in terms of paying with PayPal.

Other Articles That Might Be of Interest:

About Laura

Laura is the owner and main writer for Smart Savvy Life. Her goal is to help educate people on various topics including finances, travel, health/fitness, and career. She has been in the FinTech industry for over 14 years, with a focus on credit cards and financial compliance. In her spare time, Laura enjoys spending time with her family and pets, true crime documentaries, and travel.

Accepting credit card payments will boost your sales, increase your cash flow and improve the customer experience.

By: Jamie Johnson, Contributor

No matter how small or new your business is, the ability to accept credit cards is a must-have. Fortunately, it’s never been easier for businesses to accept credit card payments. Here are three ways you can get started.

Open a merchant account

A merchant account is a bank account with a merchant acquiring bank that businesses use in order to accept credit card and other electronic payments. The merchant acquiring bank acts as an intermediary between the business and the credit card company, facilitating the authentication of the payment and other technical aspects. Once the electronic payments are processed and approved, the bank distributes the funds into the merchant account.

To get started, you’ll choose the credit card companies you want to work with. This depends on the type of business you’re running and what countries you do business in. At the very least, you’ll likely want to accept the key players like Visa and Mastercard.

From there, you’ll find a merchant acquiring bank to open your merchant account with. Your bank will require that you submit the following information:

  • Business activities.
  • Banking information.
  • Tax returns.
  • Payment model.

The biggest advantage of going this route is that it will be less expensive in the long term. While the merchant acquiring bank can charge the business per-month and per-transaction fees, the amounts typically end up costing less than flat-rate fees. However, you will likely have to sign a multi-year contract so you want to choose the right partner the first time.

If setting up a merchant account is too time-consuming, you can start by using a payment service provider.

Use a payment service provider

If setting up a merchant account is too time-consuming, you can start by using a payment service provider. Payment service providers allow you to accept credit card payments without setting up a merchant account. Common providers include companies like Square, Stripe and PayPal.

The benefit of choosing this method is that you’ll pay a flat rate fee and there are no set up fees. This makes it easier to get started and since the billing is month-to-month, you won’t be locked into any long-term contracts.

However, there are some downsides to using a payment service provider. Some customers have complained about sudden account holds or even having their account closed by the company’s fraud prevention team.

And the fees do add up quickly. Most payment service providers charge fees up to $2.9% for companies that do less than $1 million in volume per year. Many businesses choose to start out with this model and then switch to a merchant account when ready.

Use an e-commerce platform

If you plan to accept payments primarily online, you can choose to set up an e-commerce platform like eBay, Etsy and Shopify. These platforms have built-in payment processors and accept all major credit cards as well as alternative payments, like gift cards.

To get started, you’ll create your store and activate your payments. You can choose to either build an e-commerce website from scratch or implement e-commerce capability into your existing website. Regardless, you’ll need your EIN (employee identification number) and banking information for setup.

As far as pricing, many sites offer free trial periods so you can try out your store before committing long-term.

Which payment method is the right choice?

As you can see, there are pros and cons to each type of payment system. Merchant accounts are more time-consuming to set up but will likely end up costing you less down the road, whereas payment service providers and e-commerce sites are easier to set up but come along with higher fees.

Here are a few questions you can ask yourself to help you determine which is the right choice for you:

  • What kind of transaction volume will I be doing every month?
  • What kind of features do I need?
  • How much can I expect to pay in fees?
  • What level of customer support can I expect to receive?

The answers to these questions should help you create the best plan for your business to begin accepting electronic payments.

CO— does not review or recommend products or services. For more information on choosing the best credit card processors, visit our friends at

CO— aims to bring you inspiration from leading respected experts. However, before making any business decision, you should consult a professional who can advise you based on your individual situation.

Watch Now: CO— Blueprint, 9/23

Check out the video from our CO— Blueprint event that took place Wednesday, September 23, 2020, where the panel discussed everything you need to know about recruiting and managing cohesive teams remotely.

How to Use PayPal to Accept Credit Card Payments

WordPress has been ruling the CMS world for a long time. Its out-of-the-box features are unparalleled and the integration of third-party plugins makes WordPress highly functional and powerful. There is a solution for everything and anything, including accepting credit card payments on your WordPress website.

In this article, I will show you how to enable your WordPress website to accept payments through PayPal and credit cards. As I said before there is a solution for everything if you’re using WordPress.

There are multiple ways of enabling your website to accept credit card payments, but the one I will mention in this article is especially for those who do not want to set up a shopping cart on their website. It is especially helpful for those who are selling counseling services or a single product like a software that requires filling up a form.

Integrating PayPal & Stripe Payments Through Contact Form 7

  1. Download The Contact Form 7 – PayPal & Stripe Add-on
  2. Enter Your PayPal Id and Stripe Key
  3. Create a New Form with Contact Form 7
  4. Integrate PayPal and Stripe to your new form

If you have been associated in any way with WordPress, you must have heard of Contact Form 7. It is the best contact form plugins for WordPress that lets users create forms on their websites easily and quickly. If you don’t have Contact Form 7 installed on your WordPress, make sure you do now, as you will need it in order to implement this tutorial.

The Contact Form 7 has a PayPal and Stripe add-on that integrates credit card payment options to your forms. I will go through the simple steps to show you how to accept credit card payments on WordPress.

Step # 1 Download The Contact Form 7 – PayPal & Stripe Add-on

To download the plugin, navigate to “Plugins” on the sidebar of your WordPress admin panel.

How to Use PayPal to Accept Credit Card PaymentsClick on “Add New” and search for “Contact Form 7 – PayPal & Stripe Add-on”. Once you see the plugin, click on “Install Now” and then “Activate

How to Use PayPal to Accept Credit Card Payments
You can follow the above steps to also install Contact Form 7 on your WordPress.

Step# 2 Enter Your PayPal Id and Stripe Key

Go to “Installed Plugins” and find “Contact Form 7 – PayPal & Stripe Add-on”. Click on “Settings

How to Use PayPal to Accept Credit Card Payments

In Settings, you will notice two menu bars named “PayPal” and “Stripe”. Click on those bars to enter your PayPal Id and Stripe Key.

How to Use PayPal to Accept Credit Card Payments

How to Use PayPal to Accept Credit Card Payments

Don’t forget to save settings after you have updated the information.

Step# 3 Create a New Form with Contact Form 7

Once you have downloaded Contact Form 7 you will see a “Contact” option in the sidebar of your WordPress admin panel.

How to Use PayPal to Accept Credit Card Payments

Navigate to “Contact” and click on “Add new” to create a new form. Keep the form simple so that it is easier to make changes to it later.

How to Use PayPal to Accept Credit Card Payments

Step# 4 Integrate PayPal and Stripe to your new form

Once you have created the new form, you have to add a new “menu” to integrate PayPal and Stripe payment options.

To create a new menu in your form, click on “drop-down menu

How to Use PayPal to Accept Credit Card Payments

In the “Options” field, write:

Pay with PayPal|PayPal
Pay with Credit Card|Stripe

Once you have copied the above text, click on “Insert Tag”. You will notice a menu code once the menu is created as shown in the screenshot below:

How to Use PayPal to Accept Credit Card Payments

Copy the code and paste it on “Gateway Code” that you can see on the PayPal & Stripe bar on your form.

How to Use PayPal to Accept Credit Card Payments

How to Use PayPal to Accept Credit Card Payments

Click on “Save” and that’s it! The PayPal and Credit Card payment options have been added to your form. All you have to do now is copy the shortcode

and paste on the post or the page you want the form to be displayed.

How to Use PayPal to Accept Credit Card Payments
The final result!

– Take PayPal and credit cards on your website
– Set-up usually in minutes
– Accept mobile payments
– Send invoices online
– Better security and simplified compliance

Call us at: 1-866-787-2693 or contact us

Start accepting credit cards online.

PayPal is trusted by millions of users around the world.

Trusted worldwide

PayPal is trusted by millions of users around the world.

Hassle-free checkout

With Standard, PayPal handles the complete checkout experience on our secured site, taking care of your PCI compliance.

Grows with you

When it’s time for your own customized eCommerce experience, PayPal is ready to take you there with PayPal Payments Pro.

2.9% + $0.30
per domestic transaction

No set-up fees. No monthly fees or termination fees. No hidden fees.

Need a customized checkout experience?

What’s included in Standard?

  • Accept PayPal payments Included
  • Accept Visa, Mastercard and American Express Included
  • Accept payments in 25 currencies from 202 countries Included
  • Create email invoices Included
  • Detailed transactions dashboard Included
  • Optimized mobile checkout experience Included
  • Simplified PCI compliance Included
  • Keep customers on your site through checkout Pro
  • Customizable checkout experience Pro

What do my customers see?

Step 1:
Customers choose your products.

Customers shop on your site and add items they like to your cart. You give them product options, like size and color, and show them the tax and shipping costs.

Step 2:
They view their cart and check out.

When they’re happy with the selections in their cart, your customers proceed to checkout.

Step 3:
They review their details.

They are taken to PayPal’s secure site to review their order details. To pay with PayPal, they log into their PayPal account. If they prefer to pay by credit card, they fill out the payment form. Your customers see a summary of their order to review billing and shipping information.

Step 4:
They return to your site.

After they confirm the payment, your customers are sent back to your site. You choose where they go, perhaps to a thank you page or back to your home page.

Detailed order management.

For every sale, funds are transferred into your PayPal account usually in minutes. You get detailed transaction history, monthly statements and downloadable logs. We also offer tools to manage sales tax and shipping costs.

Looking for a fully customized checkout?

“PayPal’s ease-of-use is a must for us. We simply can’t afford to use a payment method our users don’t trust”

Roger Hardy, Clearly Contacts CEO

Frequently Asked Questions

How long does it take to get my money?

What is PCI Compliance and do I have to worry about it?

Payment Card Industry (PCI) security standards are minimum requirements for protecting your customers’ payment card information. Adopted by Visa, MasterCard, American Express, PCI compliance is required for all merchants that store, transmit, or process payment card information. Traditionally this creates a lot of work for businesses looking to sell online.

PayPal Payments Standard takes your customers to a PayPal hosted checkout page to relieve you of the burden of protecting their financial data. It also works with the most popular shopping carts. See our shopping cart partners

What are PayPal’s fees?

Can I do this myself or do I need a partner?

Getting started with PayPal Payments Standard is easy with no serious programming required. You can set up your PayPal button in about 15 minutes. It involves little more than copying and pasting a few lines of HTML onto your site. For additional help, we have step-by-step instructions that can help you. Learn about setup

PayPal Payments Standard is already pre-integrated with many e-commerce providers, gateways or shopping carts. You will find a list of our parters in the Partner Directory.

Need help with PayPal Payments Standard?

Need help with selecting and setting up the right payment services?

Find a list of partners who can help you get your business online today with simple solutions that are pre-integrated with PayPal.
Go to the Partner Directory

Need help with an existing PayPal Business account?

If you’re running a business, you might be looking for a way to accept card payments and contactless payments. It can seem complicated, but you just need to find the right card reader and app to help you get started. With these two things, you’ve got the basics for your first ‘point of sale’ (POS) and you can start taking payments straight away

How do I take card payments?

Download the iZettle point-of-sale app and order a card reader

Connect your card reader with your smartphone or tablet

Start taking card, contactless and device payments in seconds

Why accept card payments?

Customers can be easily put off by ‘cash-only’ signs, and a clunky checkout process can leave customers wishing they went elsewhere. So when you’re starting to take card payments, you need a solution that’s quick, simple, and won’t let you down. A smooth transaction helps build trust and encourages your customers to keep coming back.

The good news is that it’s easy to get up and running with a modern card machine. When choosing yours, you want to look for a dependable wireless machine that accepts all major cards and works wherever you have a wifi or a 3G/4G signal. To keep your customers happy, make sure your reader powers up quickly and has a long battery life that will last through the day. And don’t forget to check that it meets the highest security standards too.

From AmEx to Apple Pay

With more options than ever for how to pay for goods and services, customers are choosing to use cash less often, in favour of card, contactless and mobile payments. When you’re picking a card reader, it’s best to have all options available for your customers. A modern card reader should accept everything in one – card, contactless and device payment methods such as Apple, Samsung and Google Pay.

Have you ever wanted to know how to accept credit card payments online? Rest assured, our quick and easy guide to accepting online payments will have you ready in no time. There are a number of things you need to make sure you have in order before you begin to accept payments on the web, so let’s dive in.

Shopping cart

If you want customers to purchase your goods online, you’ll need an online storefront.

There are many options available to you when you decide to create an online shopping cart. The type of cart you select depends on your needs. Generally speaking, all cart options should let you design the look of your store, add products to your catalog, and select shipping, payment and tax options. Go online and search different carts to determine what’s best for your business. Don’t forget to check out GoDaddy Online Store while you’re at it.

Merchant accounts

Being a small business doesn’t mean you can’t accept credit cards like the big guys. Having a merchant account allows your customers to purchase your products directly on your website. Plus, it adds even more credibility to your business.

Merchant accounts let you accept all the major credit, debit and gift cards for your products. Most banks offer merchant accounts, but you’ll want to do your homework on which merchant provider and plan you want to go with.

You might need a business license of some variety to get one, though. To do this, you’ll need to contact your state’s local business license office to determine how you need to proceed. For more information on specific states, check with the U.S. Small Business Administration.

If you start taking payments on your website (rather than linking off to a service like PayPal) you’ll need to make sure that your customers’ purchases are secure by placing an SSL on your website. For more information, read 5 Benefits of SSLs for Small Businesses.

Third-party merchant services

You can also use a third-party service to route your customers’ purchases, like PayPal. These types of merchant services require your customers to click a link and use their website to make purchases.

Some services even allow you to use your cell phone as a credit card machine, like Square. This type of payment processor is usually used in a brick-and-mortar storefront as an option for a point of sale system. For example, if you own a restaurant, instead of having a cash register, you would use Square as your POS system.

Chances are you’ll need to collect some sort of tax on your goods, too, so you’ll want to make sure you contact your state to ensure that you’re filing correctly.

Learn about the four types of SSL certificates available.

How to Use PayPal to Accept Credit Card Payments

– PayPal is a way to pay online – and for businesses to accept payments from you

(Pocket-lint) – PayPal has been in the mobile payments business for well over a decade.

It’s is an online financial service that allows you to pay for items using a secure internet account. You simply add your bank account, credit card or debit card details and whenever you pay using PayPal, you can choose which of your cards or accounts it pays with. You can also set one to be the default payment method and that will be used unless you choose otherwise.

In addition to paying for items using PayPal, you can also receive money through the service. Any money received sits in your PayPal account and can be used when paying for something, with the balance topped up by your assigned cards or bank account.

Alternatively, you can transfer the money to one of your assigned bank accounts or cards.There can be a fee applied when you receive money to your PayPal account. For example, if you sell an item on eBay.

However, the vast majority of uses are completely free to you on a personal basis. It is free to transfer money to friends or family through PayPal accounts, as long as there is no currency conversion required.

There are business PayPal accounts available too, which you can find out more about here. PayPal enables many businesses to accept card payments which they were unable to previously.

PayPal is often associated with eBay as it used to be owned by the online auction house. However, it was spun off as a separate company in 2015.

How to Use PayPal to Accept Credit Card Payments

Why use PayPal?

While there are plenty of online payment systems these days, such as Apple Pay and Google Pay, PayPal offers a few additional benefits that others might not.

To begin with, its age means it is well established and widely accepted, even from smaller etailers. You will find a pay by PayPal option on thousands of websites that do not offer the same for Apple Pay or other digital financial services.

Its buyer protection safeguards will also ensure you get a refund if an item you buy online doesn’t arrive or doesn’t match a seller’s description. This is especially useful when purchasing items on eBay, where you do not usually have shop guarantees.

Those selling items on a personal or business level and are paid through PayPal are also protected. For example, if you can provide proof that you sent an item by post yet the buyer claims not to have received it, you get to keep the full payment.

Another reason to use PayPal is that it offers an additional layer of security to payments. As you do not have to enter your card details or CCV number each time you purchase something, just your PayPal login and password or mobile number and PIN, the online store does not have your details in its database.

Sometimes you can also use OneTouch payments, where PayPal keeps you logged in if you activate the service and you do not have to enter your details each time you purchase something, no matter which store. That’s because it is specific to a device and browser. For example, if you enable OneTouch on your PC, it will only work when you use that specific computer and the same browser.

There are dedicated PayPal apps for iPhone and Android devices.

How do I get a PayPal account?

It’s easy to sign up for a PayPal account. You head to and click the Sign up button. It’ll ask if you want to sign up for a personal or business account and away you go. Don’t forget to have your bank, credit or debit card details to hand though.

How to Use PayPal to Accept Credit Card Payments

How to pay with PayPal?

PayPal works online and in stores through a browser or mobile application. There are dedicated apps for Android and iOS.

When paying online, you just need to look for the PayPal symbol and check out by following the simple instructions on screen. The apps do more though.

Thanks to many partnerships with stores and restaurants in your area, you get different options of how to pay for products, food or petrol, even order ahead to beat the queues in some food establishments and coffee shops. The app shows you a list of all the vendors nearby that accept each of the different PayPal options.

You can also add loyalty cards to your PayPal account, in order to gain loyalty points whenever you pay for something using the app.

What is PayPal Credit?

Last year PayPal started its own credit service, where you can pay for items using PayPal but pay from them later. It’s a lot like a credit card although you don’t require an actual card.

It currently charges a (variable) purchase interest rate of 17.9 per cent per annum but as an incentive, you get 0 per cent interest on purchases of over 99 Euros for four months. So if you pay it back within that time, it won’t cost you more than the original purchase price.

Some stores offer special deals when paying for products using PayPal Credit, with reduced interest rates depending on the retailer.

  • Huawei Developer Conference 2020: All the important announcements (promo)

Small businesses can accept credit card payments by using an online merchant gateway like Stripe or PayPal, by setting up a POS system with a merchant account or by using a mobile card reader to accept credit card payments through a smartphone app. Learning how to accept credit card payments can help small businesses boost their sales, improve cash flow and provide a better experience for their clients. But a recent study found that 55 percent of small businesses in the US don’t accept credit card payments.

These topics will show you how to accept credit card payments as a small business:

How to Accept Credit Card Payments for Small Business

Small businesses interested in accepting credit card payments first have to do some research and decide what credit card payment methods work best for them. These are the steps to follow to start processing credit card payments:

Decide How You’ll Accept Credit Card Payments

First, decide how you’ll allow your clients to pay by credit card. There are three primary ways you can accept credit card payments:

  • Online credit card payments
  • In-person credit card payments
  • Mobile credit card payments

If you’re a freelancer who mostly conducts business with clients remotely via email and phone, accepting online credit card payments might be the only method your small business requires. If you have a physical store that sells products to customers, you’ll want to accept in-person credit card payments within your store. And if you’re a contractor or landscaper working on-site for your clients, a mobile card reader might be the most convenient payment method since it allows clients to pay from the job site using a card reader powered by your smartphone.

Choose a Merchant Service Provider

Once you know how you’ll process client credit card payments, you’ll need to choose a merchant service provider. Merchant service providers are companies that provide businesses with the products and services needed to process credit and debit card payments. When evaluating merchant service providers for your business, it’s important to ask yourself the following questions:

  • What fraud protection do they offer?
  • Do they offer other related services, like payroll solutions?
  • What kinds of payments can the MSP process: online, mobile, in-store?
  • What fees does the MSP charge the business owner?

Choose a merchant service provider that suits the specific needs of your business and charges fees you’re comfortable paying.

Open a Merchant Account

When you’ve selected the merchant service provider best suited to your particular business model, you’ll need to open a merchant account with them. A merchant account allows your business to accept and process credit card payments and receive those payments in your business account. Opening a merchant account through a reputable MSP is the simplest way for small businesses to accept credit cards, although it’s also possible to open a merchant account through a local bank.

How to Accept Online Credit Card Payments

To accept online credit card payments, you’ll need to sign up for an online payment gateway such as Stripe or PayPal. These services work by processing your client’s online payments for you and charging a processing fee for each credit card transaction your business accepts. If you use a cloud-based accounting solution, you probably already have access to online credit card payment solutions through app integrations within your online accounting software.

How to Accept In-Person Credit Card Payments

To accept in-store credit card payments, you’ll need to purchase a point-of-sale (POS) system. A POS system includes hardware (like a credit card reader) and software to process credit card payments in person. Customers can insert or swipe their credit or debit card using the card reader and the transaction will quickly either be approved or declined. If a transaction is approved your merchant account will then receive the funds and transfer them to your business bank account within a matter of days.

How to Accept Mobile Credit Card Payments

To accept mobile credit card payments, you’ll need a mobile credit card reader, such as Square. A mobile credit card reader is a portable device that plugs into your smartphone and pairs with a credit card app to accept credit card payments anywhere, as long as there’s an internet connection.

Why Should Businesses Accept Credit Card Payments?

Accepting credit card payments offers flexibility and convenience to your clients and can also benefit your business. The benefits of accepting credit card payments for small businesses include:

Boosts Sales

Accepting credit card payments is a benefit that can help you attract new clients to your business, improving your sales. If you are a business that sells products, accepting credit card payments can translate into increased sales because people tend to spend more when they’re using a card. A recent study found that people spend between 12 and 18 percent more when they use credit cards rather than cash.

Improves the Client Experience

Offering flexible payment options that include credit card payments gives your clients a better experience and encourages loyalty. Many clients prefer to pay using a credit card because they can quickly and easily process the payment online, rather than having to fill out and mail a check.

Increases Cash Flow

Unlike checks, which often take between five and ten business days to clear through your bank, credit card payments are processed relatively quickly. Often, credit card payments are cleared and the money appears in your business bank account within a day or two of the transaction.

Saves Time

Most credit card processors allow you to accept credit card payments with a few simple clicks, saving you time. You won’t have to go to the bank to deposit checks or spend as much time requesting payment for invoices.

Improves Payment Security

Accepting credit card payments can mean your business has less cash on hand, which lowers the risk of theft or loss. Although there are security risks with accepting credit cards, in many cases fraudulent charges can be recovered when you use a merchant service provider.

Provides Useful Reports

Most credit card payment processors provide robust sales reports based on your transactions. You’ll be able to gather useful data about the types of payment clients use, how long it takes them to pay and the average payment amount your business receives. Credit card reports also include information that’s useful when you file your taxes.

What Are Credit Card Transaction Fees?

Credit card transaction fees are charged by the processor every time a business accepts a credit card payment. There are two types of fees charged for every credit card payment that’s processed: the processing rate and the transaction fee.

The processing rate is a percentage charged for every payment that’s based on the business’s average transaction amount. The transaction fee is a flat rate that’s charged every time a business accepts a credit card payment.

Once you’ve activated your Get Paid Essentials/Premium account, you need to add a payment options to collect customer payments via mobile processing or invoice. You can set up your account to accept payments online via PayPal or credit card.

Note: If you have not yet activated your Get Paid account, please see Getting set up for instructions.

Simply add your Stripe account to accept payments via credit card. Follow the instructions below to be on your way to getting paid:

To Accept Payments Via PayPal

  1. In GoDaddy Bookkeeping, click Manage, and then click Invoice Settings.
  2. In the Payment Integrations section, check the box next to Enable PayPal Integration.
  3. Enter your PayPal email address, and then click Save.

To Accept Payments Via PayPal Here

PayPal Here payments can only be accepted via the PayPal Here credit card reader.

  1. In GoDaddy Bookkeeping, click Manage, and then click Invoice Settings.
  2. In the Payment Integrations section, check the box next to Enable PayPal Here, and then click Connect to PayPal Here.
  3. Click Log in with your PayPal Account, enter your account credentials, and then click Log In.
  4. Click Continue, and then click Agree.
  5. Download the PayPal Here mobile app on your phone, and then click Got It! Let’s move on.

To Accept Payments Via Stripe

Stripe payments can only be accepted directly through the invoice.

  1. In GoDaddy Bookkeeping, click Manage, and then click Invoice Settings.
  2. In the Payment Integrations section, check the box next to Enable Stripe Integration, and then click Connect to Stripe.
  3. Fill out all of the fields, and then click Authorize Access to this Account.

Now that you’ve setup your payment processor, your clients can easily pay their invoices by clicking one of the following options:

  • Pay With PayPal
  • Pay With Credit Card

You may have some additional questions, so here are some answers to frequently asked questions:

Do I (or my clients) need a PayPal merchant account to accept payments online?

No, you can use your personal PayPal to send and accept payments.

Do I need to set my PayPal account to collect tax on payments?

Note: If you do not disable tax collecting through PayPal, your client will be charged for taxes twice.

Do my clients need a Stripe account to accept payments online?

No, only you need a Stripe account. Your client can log in to a Stripe account, or complete checkout with credit card as a guest.

Peachtree Accounting Software Features

If you are starting a business, accepting credit cards for payment is important. With traditional merchant accounts, businesses must swipe a credit card through a card reader to accept credit card payments. If you are not interested in using a card reader, or if your business is online, you can sign up with a merchant account that allows you to instead accept credit card payments on your computer.

Apply for QuickBooks Credit Card Processing on the Intuit website (see Resources) if you use the QuickBooks program and want to accept your credit card payments directly in QuickBooks. As of November 2010, the one-time setup fee was $59.95; the monthly fee was $19.95. Additional charges also apply, depending upon how much you process each month.

Sign up with a specialized online merchant account company, such as or Network Solutions (see Resources). Monthly and setup charges vary according to online provider.

Use a worldwide online payment processor, such as PayPal or Google Checkout (see Resources), if you will accept payments on a website. PayPal also has the option for you to manually enter a credit card, if you are not selling via website. Typically, there is no monthly fee associated with an online payment processor, and per-transaction fees are lower than with other merchant accounts. However, PayPal does offer a merchant account with a monthly fee, which features more options than the free account.

Some merchant accounts require a credit application.

In a world where people are leaving their wallets at home and just making in-person payments with their mobile phones, is it reasonable to expect your customers to always pay with cash? (Or, even less likely, checks?).

The bottom line is, if you don’t accept credit cards, you’re missing out on potential sales. And if customers have to hunt down the nearest ATM to complete a transaction, the hassle involved makes it likely that they won’t rush back to visit your business.

But if you’re worried that accepting credit cards will take a big chunk out of your sales or otherwise be a headache, don’t worry. Here are some reasons why you should take credit cards at your small business:

Your sales will be higher. Customers spend 12 to 18 percent more on products and services when they pay with a credit card instead of cash, according to a recent study. It’s not hard to see why: you might have only a limited amount of cash in your wallet, which your credit limit far exceeds.

Your customers will feel good about shopping with you. When customers see the logos of the major credit cards you accept, they see your business as more trustworthy and legitimate. For better or worse, cash-only businesses are often regarded as sketchy.

It won’t cost you much. Credit card transactions won’t eat up your profits. In fact, payments taken with Square’s contactless and chip reader cost 2.6% + 10¢ per swipe, tap, or dip.

Accept EMV chip cards everywhere.

Order the Square contactless and chip reader.

Now that you know all the reasons why you should accept credit cards and you’re ready to get started, let’s go over what you’ll need. If you’ve never accepted credit cards, you’ll need an EMV chip card–enabled reader. If you have accepted magnetic-stripe cards but haven’t upgraded to an EMV-enabled reader, now’s the time.

Here’s why: Ever since the liability shift went into effect on October 1, 2015, businesses that aren’t set up to accept chip cards could now be responsible for certain types of fraudulent transactions (whereas previously banks ate that cost). So, protect yourself and your customers with an EMV reader like the Square contactless and chip reader, which accepts EMV and is just $49.

Square Stand for contactless and chip, Square Terminal and Square Register all accept EMV payments. Our newest Square Stand fits iPad (2019), iPad Air (2019), and iPad Pro 10.5”, and is now even more affordable at $169.

Here’s a step-by-step guide for how to start accepting credit card payments:

  1. Order your Square hardware and tell us where to mail it
  2. Create your free Square account
  3. Download the free Square app and link your bank account for fast transfers.
  4. Connect the hardware with your smartphone or tablet and start taking payments.

How to take credit card payments

While magstripe credit cards are swiped, EMV chip cards are dipped into the reader chip card side down. Here is how to process EMV credit cards on the Square contactless and chip reader:

When your customer is ready to check out, tap Charge on the screen to trigger the payment (You can tap charge before or after the chip is inserted).

Insert the card chip-side first and with the chip facing up into the wide port at the top of the reader.

Keep the card in the reader for the whole transaction. EMV transactions can take 6-7 seconds to complete.

If you’re taking the step to accept credit card payments, why not fully modernize and start accepting mobile payments? Mobile payments, or transactions customers make with their phone or other mobile device, use something called near field communication (NFC) technology.

This means that customers hold their device over an NFC reader, a mobile card reader, to pay (which is also why it’s referred to as contactless payment). The most popular forms of this technology are Apple Pay, Android Pay, and Samsung Pay. Mobile payments are faster than EMV transactions and just as secure. Square Terminal, Square Stand, and Square Reader for contactless and chip accept NFC payments.

The Square Editorial Team is dedicated to telling stories of business, for business owners. Our team comes from a variety of backgrounds and share a passion for providing information that helps businesses to start, run, and grow. The team is based in San Francisco, but has collaborators all over the country.

Related Content

How to Start Accepting Mobile Payments: A Simple Set-Up Guide

When it comes to accepting Apple Pay, there are a few things you can do to get the best customer experience. Here are some ways to make the payments process easier.

What Is Android Pay? Banks and Phones That Accept It

Android Pay is Google’s mobile wallet technology and one of the more popular NFC mobile payment apps like Apple Pay and Samsung Pay. Here’s how to use it.

Square Point of Sale: All the Things You Can Do With Payments

To make sure you get the most out of your Square Point of Sale, we’ll regularly be posting essential intel, updates, and expert tips and tricks that help you take care of your business. This one’s all about the foundation of your business: Getting paid.

How to Take Orders Over the Internet

Accepting credit card payments online can make it possible to automate your business and potentially make money 24 hours a day. By automating the selling process of your product, customers will appreciate the convenience and will be more likely to purchase your products. Once you get it set up, customers can get on your website, click on a product that they want to purchase and then be taken to a screen where they can enter their credit card information.

Apply for an online merchant account with one of the many providers available. One of the most popular providers for smaller businesses is PayPal (see Resources), which makes it possible to take credit cards as well as PayPal account payments. Many customers prefer to use PayPal because they do not have to give the merchant their credit card number. Regardless of which merchant account provider you choose, you will have to complete an application to access the credit card processing service. Provide the required information on the application, which will include information about you and your business as well as details about where credit card payments will be directed.

Choose the preferences for your account once you are accepted into the program. After the merchant accepts you, you will most likely have to make a few choices regarding how you want to accept the payments. There may be different grades of business accounts. Some of the options might require a monthly fee while others can be free. You can also choose what your checkout button will look like on your website. You can set the price for your products at this point and input item descriptions.

Obtain the HTML code that you need from the merchant and put it into your site. Once you set up your preferences with your merchant, you’ll be offered a piece of HTML code that you can put into your website. It may appear in a text box on the the card services provider’s site. Select the code and copy it, then open your website editor and navigate to the page where you’ll want the payment button. Find the location where you want to put your checkout button; placing the button right by the product description is the best idea. Paste the code into the page in the desired location. Once you update the changes to your site, you should see a “Buy Now” button or something similar on your page. When buyers click on it, they can use their credit card to buy your product.

Want to improve this question? Update the question so it focuses on one problem only by editing this post.

Closed last year .

I need to accept credit card payments on a site that provides a service outside the U.S. Given that Paypal is not an option, where should I start? anyone knows how I can do this?

4 Answers 4

As mentioned in the previous answer, you need a merchant account and a payment gateway.

I’d recommend BrainTree if you’re processing enough payments that they’ll accept you. They act as both if you want them to. They also have a Python API for processing payments. It will be much easier to set up. I don’t know if they accept customers from outside of the US.

PayPal also offers a solution that allows you to process credit card payments without users having to go to the PayPal site. It’s called website payments pro, but I think it’s only available in the US and the UK.

Otherwise, look at Authorize.Net as a gateway (or shop around) and speak with you bank about a merchant account.

Nothing is built into Django or Python for this.

Stripe has a Python library to accept credit cards without needing a merchant account:

Check out the documentation and FAQ, and feel free to drop by our chatroom if you have more questions.

You can avoid PCI audits if the credit card details never touch your server. for example by using payment forms hosted on the servers of your chosen payment gateway provider.

I have used SagePay here in the UK (and built Django connectors for their service from scratch – sorry not on github yet. ) and they offer payment forms you can display in an iframe on your site so they look part of your own checkout page, specifically to avoid the PCI issues.

You need a merchant account, and a bank account that will accept the funds.

Cash is no longer king. As digital payments evolve and credit card usage soars, having the power to accept credit cards is critical for any small business. Giving customers the option to pay with credit cards is a big step toward simplifying their world and yours.

Why small businesses should accept credit cards

The numbers speak for themselves: cash represented just 26% of all payments in 2018, according to a study conducted by the Federal Reserve. Not a surprise when you consider more than 70% of U.S. households now have a credit card.

Small businesses are responding. Some are even opting to go entirely cashless in states where it’s legal. If that’s an option for your business, the benefits are many, including:

  • A boost in operating efficiency
  • Shorter wait times for customers
  • Decreased risk of theft due to a cashless environment

If you’re not ready to go completely cash-free, don’t worry. You’re not alone. The majority of small business owners (83%) say they will never stop taking cash. Still, giving customers the option to pay with credit cards is a big step toward simplifying their world and yours. Here’s how to get started.

Setting up credit card processing

Whether you operate an online business, a brick-and-mortar shop or a mix of both, credit card processing comes with a few requirements depending on your situation:

  • Physical shops. Setting up a merchant account, which is simply an account with a bank that allows you to accept credit or debit cards, is critical. You’ll also need a credit card machine, which you can usually receive as part of a bundle when opening your account.
  • Online operations. In addition to setting up your merchant account, you’ll need a secure website and a pay gateway. A vendor provides a service that automatically and securely sends a customer’s credit card information from your website to the credit card payment network. After processing, it delivers transaction details and responses from the payment network back to your site.
  • Physical and e-commerce businesses. For this situation, you’ll need a merchant account and a credit card machine, as well as a secure website and a pay gateway. Additionally, you’ll require a business bank account, a routing number and an Employer Identification Number (EIN) from the IRS.

The significant differences primarily come down to the need for a physical credit card machine rather than a gateway.

In both cases though, the process looks more or less the same. The customer comes to your shop, chooses what they like, and starts the checkout process. At that time, your customer will swipe his or her card in your processing machine or enter their credit card information into a secure section of your site.

Then, your processing machine or your website will send information to the processing entity and receive an “approved” or “denied” message from the credit card issuing bank. Assuming the card is accepted, you’ll then complete the transaction and give the customer their goods or services.

Know the facts before choosing a credit card processing option

It’s essential to do your research and talk to your merchant account and pay gateway providers about a few central subjects before taking any action, including:

  • Fees. Whether you’re setting up a merchant account, a pay gateway or working with any credit card processing provider, there will be fees. Ask about periodic charges (monthly, annually or transaction-based), how fees are calculated, whether based on your products or services and if or when your fees may increase.
  • Accepted cards. Not all merchant accounts and pay gateways accept every type of credit card. Visa and Discover cards are generally accepted, but others, like American Express, may cost more to process or may not be accepted by some service providers.
  • Set up and support. When looking at credit card processing for your small business, try to make it easy on yourself. Look into the setup and support included with your merchant account and pay gateway.
  • Reporting. Make sure the processing service you choose offers reporting features that can help streamline what you do. Consider how seamlessly the payment system can integrate with your tax system, whether it’s easy-to-build business reports or systems that can pull data from in-person and online purchases.
  • Security. In the day of data breaches, it’s crucial to choose a merchant account or pay gateway that is at the forefront of cyber security. Even if it means paying a little extra for their service, try to find a provider that:
    • Is EMV compliant and allows you to accept chip cards or smart cards. They are now the global standard and enable cryptographic processing, which helps improve data safety.
    • Adheres to Payment Card Industry (PCI) data security standards.
    • Supports tokenization, which allows you not to collect or store sensitive information on your operating system. By using tokenization, your system replaces sensitive data with randomly generated characters that can be linked back to the original data only by an authorized party.
    • Uses end-to-end encryption and Secure Sockets Layer (SSL) protocol. By doing so, your credit card processing system can help ensure data security as it goes from a card reader or order form to its destination, where the transaction will be approved or denied.
    • Includes a biometric field to make a payment. This feature can mean using fingerprint scanning, retina scanning, facial imaging, vein patterns, voice recognition and more. And while it might seem extreme, some banks and payment companies are already using fingerprint recognition as part of their practices.
    • Allows you to add users and lock down your credit card processing system quickly and easily. This way, if a problem arises, you can prevent any additional actions from being taken until resolution of the issue.

Point-of-sale processors (PSPs)

What if you don’t have a storefront or a website, and you tend to sell at street fairs, pop-up shops or festivals? You can still accept cards without setting up a merchant account or a pay gateway.

Several point-of-sale processors allow you to use an attachment on your tablet or smartphone to initiate credit card payments. They won’t have all the security (though many are EMV compliant) or reporting features, but with their low prices and ease of use, they can be a boon if you’re not ready to open a traditional store or dive into the world of e-commerce.

As cash becomes less-and-less popular, giving your customers the ability to pay with credit cards will not only boost your business, it will also help simplify your world.

Every law firm has a trust account and an operating bank account and allows clients to pay with a check or cash. But in this day, many clients also want to know, “Do you accept credit cards?” There are many options to consider when deciding if you’ll accept credit cards.

Recently I asked two groups on LinkedIn—one for small and solo law firms and one for small business owners—which service they use to accept electronic payments. The following were the top five responses.

First, though, this caveat: Before you begin using one of these services, consult your state’s ethics rules regarding electronic payments. There may be restrictions regarding which bank account you can use to accept payments using one of these services.

1. QuickBooks. If you already use QuickBooks to manage your accounts, you might consider activating QuickBooks’ Merchant Services for receiving credit cards. The basic credit card processing service has a $19.95 monthly fee plus a fee for each transaction: 1.64 percent plus 27¢ for a swiped card; 2.47 percent plus 27¢ for a keyed card. You’ll also have to pay an annual PCI-compliance fee based on your transaction volume.

The benefit of this service is it’s integrated into the QuickBooks you’re already using. Its transaction fee is lower than other services, too—but you have to balance that against the monthly fee, which could make the total cost higher than other services.

And if you want to have a card-swiper that attaches to your mobile device, QuickBooks has that, too, as part of its GoPayment service. That comes with a separate $12.95 monthly fee, plus a fee for each transaction. Check your QuickBooks support for additional options for accepting payments.

2. PayPal. PayPal is well-known and so commonly used to process payments that many clients ask, “Do you do PayPal?” It’s easy to set up a PayPal account with your email address and a bank account number. PayPal can be used to accept payments via credit cards, checks or customers’ PayPal accounts, and you can also use it to send invoices to clients. There’s no fee to set up your PayPal account and no monthly fees. You only pay a fee for each transaction. A payment up to $3,000 is 2.9 percent plus 30¢. A payment between $3,001 and $10,000 is 2.5 percent plus 30¢.

PayPal also offers a card-swiper that you can use with your iPhone, iPad or Android device. The fee to swipe a card is 2.7 percent.

3. Square. Square is a card-swiper that you can plug in and use with your iPhone, iPad or Android device. I’m seeing Square being used more and more in business. For example, I live in Phoenix where there are dozens of amazing food trucks, and I haven’t been to a truck that doesn’t use Square. Retail shops are also using Square attached to an iPad instead of having a traditional credit card processing machine. There’s no monthly fee to use Square, only a 2.75 percent per-swipe fee. They also have the option to use it for a $275/month fee and no additional charge per transaction.

The downside of using Square is you must physically swipe the person’s card. That means you can’t send clients an invoice and invite them to use Square’s website to pay it.

4. LawPay. LawPay is a payment processing service designed for lawyers. Unlike Square and PayPal, where you can only attach one bank account to your account, you can process transactions into your trust account or your operating account. It’s also set up to take all the fees for the service from your operating account, so you’ll never have to worry about inadvertently paying your processing fees with clients’ money. It costs $30 per month to use the service, and that includes online payments and the ability to separate earned and unearned portions of a single fee. There’s also a 20¢ to 25¢ fee per transaction.

5. Your bank. You can also contact the bank where you maintain your firm’s trust account and operating account and inquire about your options to receive electronic payments. Your bank may give you the ability to process payments without any additional fees. This is different from wire transfers that have fees for the sender and the recipient.

Especially if you are considering creating a virtual law office for your firm, you’ll want to explore whether your desired service comes with the ability to process credit cards and other electronic payments.

According to Forrester , US eCommerce purchases using credit and debit cards totaled $3.6 trillion in 2017, with 60% of these sales taking place directly on PCs, cell phones or tablets. In addition, Worldpay recently published a report on Global payments which suggests that the most popular payment methods in the future will be eWallets (46% by 2021), credit cards and bank transfers.

While there are a lot of payment methods out there, it’s clear that many travelers rely on using their credit and debit cards to process their online purchases. It’s very important for any online retailer – especially vacation rentals – to adjust their business payments to what guests expect from them.

Advantages of accepting credit cards:

1. Preferred payment method by guests

Almost half (42%) of global online shoppers prefer to pay by credit card. When we add this to the 28% who prefer to pay by debit card, that makes a huge majority. Being able to pay by credit card i s a great way for guests to keep their payments safe due to the consumer protections in place that defend them against fraud or unforeseen cancellations.

According to senior travel expert Nancy Parode , “while senior and Baby Boomer travelers are accustomed to writing checks, younger renters are not. They use credit cards, debit cards and smartphones when they want to purchase something or make a deposit. Vacation rental owners who accept credit cards are more likely to appeal to younger renters – in other words, to the customers of the future”.

2. It’s the most secure and reliable payment method

Some vacation rental owners don’t mind waiting 10 days to receive their check or the bank transfer because they believe it’s the safest way to collect payments. In reality, however, credit card payments are one of the most secure payment methods available for online vacation rental businesses.

Credit cards offer sophisticated internet solutions to prevent fraud:

  • LinkPoint Secure Payment Gateway: processes payments in real time using a technology called Secure Sockets Layer (SSL) which encrypts all confidential information during transactions so it can’t be seen by anyone.
  • Address Verification Service: this can help you detect suspicious transactions because it compares numerical information of your customers with records owned by banks who have issued those cards.
  • Card Validation Code: you know how credit cards have CVC or CVV codes in the back? These numbers help you determine whether your guests possess legitimate cards.

What’s more, it’s just as safe and reliable for guests! Credit cards offer strong fraud protection and it’s easy to get charges reversed. Under the US Truth in Lending Act, credit card holders are liable for unauthorized use of the card only up to $50 . Nancy Parode tells us that “ credit card companies will allow cardholders to dispute fraudulent charges, which gives potential guests an added sense of security as they decide where to stay. Vacation rental owners who accept credit cards send a positive message to guests.”

3. It ’ s convenient for guests and vacation rental owners

It’s easy for guests to pay for their bookings; they can easily whip out their credit card, type in their details and voilà! They can forget about writing checks, going to the bank, waiting at the post office and all those other things that can delay the booking process.

As for vacation rental owners, credit card payments will allow you to:

  • Enable instant bookings, easily approve your guests and confirm bookings
  • Easily issue refunds in case of cancellations
  • Automatically send email payment receipts to guarantee that the booking has been confirmed

Parode adds, “accepting credit card payments also allows guests to book their preferred vacation rental property early, regardless of whether or not they have saved all the money for their trip. Guests can pay a deposit by credit card many months in advance, knowing their reservation is guaranteed.”

4. It gives credibility to your vacation rental property

There are a lot of articles out there about fake vacation rentals and how to avoid them . Most of them recommend travelers to avoid listings that demand bank transfers or a wire service like Western Union, and to only book through those that accept credit cards directly through services such as Stripe and PayPal.

Therefore, by accepting online payments, you’ll prove to your guests that they can trust you and it will, in turn, increase the credibility of your vacation rental business. Hopefully, that will lead to an increase in booking conversions, too!

5. It improves cash flow

Credit card charges are deposited directly into your bank account. Your business will instantly collect payments, meaning you’ll no longer have to wait days for a check to arrive by post (or have to worry about bounced checks!). Most importantly, you will be able to pay all your own bills on time.

6. It helps you stand out from your competition

You’re in a competitive industry and as everybody is fighting for the same thing, it’s important for your properties to stand out from the crowd. Approximately 62% of vacation rental owners use checks, cash or other lengthy manual payment methods. Be part of the 38% that knows just how important accepting credit card payments is!

7. It’s not as expensive as you think!

The biggest concern vacation rental owners have is that processing credit card payments comes at a cost and you don’t receive 100% of the payment. Luckily, we’re here to tell you that costs aren’t high when you consider the benefits it brings you!