Synching in progress

Accepting Credit Cards On Your Online Store

This article is meant to be a guide for non-technical people setting up their Online Stores and accepting payments online.

If you’re interested in accepting PayPal on your online store, please see this article instead.

Accepting Credit Cards

The most popular method of online website is by using Credit Cards. There are numerous providers that help you accept credit cards on your online store. Note that all payment providers charge a fee for facilitating credit card transactions.

Transaction Fees

Transaction fess are probably would be the key consideration for many in choosing a payment provider. Payment gateways earn a fee for helping you accept credit card payments, and the types and amounts of fee can vary between each provider and volume of transactions.

The most common types of fees include:

  • One-time Set Up Fee
  • Monthly Fees
  • Per Transaction Fees

Hence, what makes sense for you would be dependent on:

  • Monthly Revenue
  • Number of Individual Transactions Per Month

Comparison of Best Payment Gateways for People Starting Out

For people who are starting out in the online business, if you are like me, you would want to avoid set-up and monthly fees. I’ve done the first pass of great options out there, and they are as follows. As your sales grow, you may consider moving to other solutions. Below are some best options available currently, purely from a financial standpoint. This list will be updated over time.

PayPal Advanced
Shopify Payments
Monthly Fee




Transaction Fee (US)

2.9% + 30c

2.9% + 30c

(fees decrease as sales increase)

2.9% + 30c

(Basic Plan - higher plans have lower fees)

Important Info

Not a true bank

Shopify users only

Getting Paid

Option for Daily, Weekly, Monthly






From my research, the above options would be fantastic to begin starting your Online Store with as other than PayPal Advanced, they do not have monthly fees and you only pay the fee when you actually make a sale.


Stripe is a relatively new, but very popular service, as they position themselves with the following.

  • No need for separate Merchant Account and Payment Gateway.
  • No monthly fees – only a flat fee per transaction – 2.9% + 30¢

They are focused on making the payment process frictionless, and you can easily sign up with email and name. Available in these countries.

Shopify supports Stripe as a payment method, though Shopify charges an additional fee if you do not use Shopify Payments.

PayPal Advanced

In addition to PayPal Standard (which is free with your PayPal account), PayPal Advanced offers payment gateway options to accept credit cards directly on your online store (by using 1 of 3 pre-determined layout formats, without re-directing to PayPal’s website).

  • Monthly Fee of $5
  • Per Transaction Fee – 2.9% + $0.30
  • Transaction Fee becomes lower with higher sales volume

Click here for a comparison of PayPal Standard, Advanced and Pro

Note that PayPal is not a true bank, and they have the right (and have done so in the past) to withhold funds in your PayPal account for one reason or another. There is a lot of debate about using PayPal as a provider given this fact, but the fact is that PayPal is one of the key payment systems in e-commerce.

Shopify Payments

Shopify Payments is a payment method developed by Shopify (which is actually powered by Stripe, a partnership between the 2 firms), for the purposes of making receiving payments easier for Shopify customers (and earning a fee in the process).

  • No need for separate Merchant Account and Payment Gateway.
  • No monthly fees – only a flat fee per transaction – 2.9% + 30¢
  • Only for Shopify stores
  • Currently only available in U.S., Canada

Availability in Your Country

If you’re in the U.S. and other supported countries, having Stripe as greatly simplifies the process of setting up an Online Store. For all the rest of us however, we can only use options that are available to us in our home countries.Other options include traditional payment gateways, like, 2Checkout, WorldPay etc.

Using PayPal Standard to Accept Credit Cards

It is worth noting that PayPal Standard (comes free with your PayPal Premier / Business account) already offers a way to accept Credit Cards from your customers. However, it redirects you to PayPal’s website, and the credit card option is hidden. It looks like this.

If you’re in a country where options like Stripe isn’t readily available, this is the cheapest, though not the most ideal way to accept Credit Cards on your store.

Click here for a comparison of PayPal Standard, Advanced and Pro.

Deciding on a Payment Provider

If you are running a Shopify store, it makes sense for you to us Shopify Payments to accept credit cards on your store.

If these options aren’t available to you, you may consider one of the PayPal gateways, or use a traditional payment gateway such as, 2Checkout or WorldPay.

What other payment gateways do you prefer using when setting up your Online Store? Let me know.

Learn to Build Your Online Store

In this article, I'll show you how you can set up a working online store and start accepting payment in just 5 mins!

Recommended Shopify Themes

Ella Theme

Fastor Theme

Themeforest Themes

Some of the links to this page provides a small commission to me, at no extra cost to you! The tools I recommend here are tools that I've personally used and tested, and came to embrace after a lot of trial and error. This helps contribute to maintaining this site and sharing this guide. If you do end up using them, thank you for supporting this site, but no worries otherwise if you don't!

WEBSITE GIVEAWAY! We are GIVING away a FREE website to 1 lucky winner! Enter now to WIN! (it's free to join).


Want to create your Wordpress website?

Enter your email and I’ll send you to my video walkthrough.

Want to create your Online Store?

Enter your email and I’ll send you to my video walkthrough.


Watch this Website Creation Video Course

Enter your email below and I'll send this video guide right on your way!

Download this Website Creation Checklist.


Enter your email below and I'll send this checklist to you!

Don't worry, I don't like SPAM either and will respect your email.