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Accepting Credit Card Payments Online

No matter what you're selling on your online shop you will need a way of getting money from your customers. With ekmPowershop's ecommerce software you have many ways of accepting payments from your customers.

Customers come to your online shop and after filling up their shopping cart with products they wish to purchase they go through the checkout procedure. After entering their billing and delivery details they're then given the choice of how they would like to pay.

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You can specify the options open to your customers; you can let them pay by cheque/postal order, telephone, fax and of course via credit card online.

Accepting credit cards over the internet is a scary topic but in all reality it's very simple and easy to setup and manage, it all comes down to your current situation...


I Already Have a Credit Card Merchant Account

If you have a merchant account then you can use one of many online payment gateways to automatically process the transaction.

All you need to do is provide the payment gateway with your merchant account number and they will handle the rest, the money will automatically be deposited in your bank account once the transaction has gone through.

There are many companies who offer this service and its worth taking a look at a few to see who offers the best rates, these companies include SagePay and SECPay, and full list of integrated gateways can be found here


I don't have the facility to take Credit Card Payments

If you can't already take credit cards then you have various options open to you. The obvious one is to go to your local bank and apply for a merchant account however this can take a long time and if you have no trading history then chances are they'll be reluctant to open a merchant account for you.

The other option is to get an account with an online payment processor. There are many companies such as WorldPay and even PayPal (who are free) who offer this facility.

An online payment processor basically processes the credit cards and for each transaction they take a small percentage or fee. For example for every transaction you put through you might get charged 4.5%.

Once the transaction has gone through and cleared they transfer the money into your bank account.

Your ekmPowershop store can be integrated with most payment gateways and online processors.

The entire process (from a customer's side) is very simple, they simply enter all their details and then enter their payment details and the order is complete. Although they leave your shop for a few moments to validate the credit card details they are returned to complete the order and the entire process is relatively transparent.

We would recommend looking at the list of payment processors we support, visit their websites and decide which one you think will be best suited to your needs.


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