Make Money Online – Accepting Credit Card Payments Online

Deciding how to accept payments online can be confusing? Should you use PayPal? Do you need a shopping cart? How does a merchant account fit into the mix?

If you’re just starting out and aren’t generating a high volume of income online, I recommend sticking with PayPal. It’s inexpensive, easy to use, and most online shoppers are familiar with PayPal.

Once you have a steady income or want to offer payment options, or calculate recurring payments for monthly memberships, it’s time to explore options for shopping carts and merchant accounts.


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There are many, many options to choose from. I just want to discuss a few.

PayPal offers a higher level of service for a fee that allows for greater flexibility. I took care of it myself, but it didn’t suit my special needs. Let me share how I set up my online payment options for customers.

1. Cart – GoldbarOne (another popular option is 1 cart)

These shopping cart services provide not only the product options, but also autoresponder and broadcast messaging services. Once you are able to create and sell products, you need a service to process debit and credit card payments for you.

2. Merchant Account – Practice Pay Solutions

You need to apply for a merchant account and be approved. A merchant account enables the acceptance of debit or credit card payments and serves as an agreement between a retailer, a merchant bank and a payment processor (e.g. authorize.net) to process debit or credit card payment transactions.

How these parts fit together was very confusing for me at first. I was in business probably 1 year before switching from PayPal to Practice Pay Solutions combined with GoldbarOne!

Source by Lisa Nelson

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