How to Accept Payments on Your Website

accept payments online

E-commerce businesses must offer their customers multiple ways to make payments online

Providing customers with a choice on how to pay is more convenient for them and gives them more reason to purchase something and complete an order.

If you only have one way to accept a payment that might be convenient for you but inconvenient for the customer, you are missing out on business!

Debit and Credit Cards

Accepting debit and credit card payments is the most common means of accepting payments online, regardless of the nature of your eCommerce business.

To start accepting such payments, you will first need to create a merchant account.

This type of bank account enables credit card processing which allows you to accept payments online. 

When a customer places an order from your e-Commerce business online, their funds are temporarily held in a merchant account until all the necessary monetary checks have been completed.

Once the transaction is verified, the money is sent to your business bank account.

Like any other business bank account, you would have to link your merchant account to your website.

Direct Debits

While setting up a direct debit is an option to accept payments online, there are much better methods tailored to e-Commerce businesses.

Setting up a direct debit can be a slow process as it requires the customer to authorize the e-Commerce business to take out funds directly from their account.

Due to this process, it may be better for your business to opt for a payment gateway or any other means of accepting payments online.

Payment Gateways

Payment gateways are online payment service that is linked to an e-Commerce platform.

Payment gateways are used to make and receive payments online and are particularly used by online businesses.

Payment gateways securely validate customer credit or debit card details, ensuring that the required funds are available to complete the payment.

Once the customer successfully provides their credit card details, this information is passed onto a merchant account which then conducts further verifications and, once approved, finally sends the funds to your business bank account.


Another popular payment gateway is Stripe due to its customizable nature.

With Stripe, you can completely tailor the payment gateway according to your website's needs, unlike other payment gateways with a structured checkout template or send customers to another website to complete their order and make a payment.

Stripe also offers subscription management and other features to process recurring payments.

If you want to learn how to connect Stripe to your website, take a look at our article here.


PayPal has developed a reputation for being one of the most trusted and recognized payment processing companies.

It is absolutely free to join, and once you've created an account, you have access to all the features needed to integrate PayPal payments onto your website.

Using PayPal is also convenient for your customers as they are used a secure payment method. 

Google Pay

Google Pay has developed an electronic payment method to be used by online businesses, websites, and mobile applications

The major benefit of using Google Pay is that it does not charge any additional fees.

Therefore, you would only have to pay the usual transaction fees associated with credit/debit card payments.


Venmo For business is a mobile payment software application owned by PayPal.

Using Venmo, you can provide your customers with a choice to either complete their payment via your business website or your mobile application.

The Venmo payment option can be added to any part of your e-Commerce business website that would also show the option to pay with PayPal.

This includes your home page, product pages, shopping cart page, and checkout page.

If you want to learn more about how to integrate a payment platform onto your website, please take a look at our article here.

To learn more about different payment gateways, take a look at our article here.


If you don't want to deal with any card information, eChecks may be an option.

eChecks are a type of electronic funds transfer that works exactly like a physical check, except digitally.

Like a physical check, eChecks deposit funds from the customer's bank account to your business bank account using an Automated Clearing House payment processor.

Click-to-Pay Invoices

Click-to-Pay services allow customers to complete a payment for an order placed from your business by simply clicking the link provided once an order has been made.

The major benefit of using this method is that it is one of your business's fastest ways to accept payments from customers.

Additionally, to make things easier, you can also use automated invoicing software that automatically sends out the necessary invoices and links to customers. You can also do it yourself, learn everything you need to create and send a proper invoice in our dedicated article.

Once integrated into your website, you can easily access all invoice and payment-related information in one database. If you wish to send and generator invoice on your own, you can use Statrys free online invoice generator.

Mobile Wallet Payments

Mobile wallets are becoming increasingly popular amongst customers as a means of completing online payments.

These apps include Apple Pay, Google Pay, and Samsung Pay.

However, if you are looking to trade in China, you should be opting for AliPay and WeChat.

A mobile wallet is a virtual wallet that stores all payment and card information on a mobile device.

Mobile wallets make it extremely convenient for customers to make online payments, so your e-Commerce business should integrate this solution.

Recurring Billing Software

Recurring billing software is used by many subscription-based businesses to help in managing their recurring invoices and payments.

Online businesses that offer subscriptions include monthly gift boxes or streaming services.

Through such software, your customers can automatically pay once each payment is due.

This is convenient not only for them but also for you since you no longer have to send constant reminders to your customers and can automatically send invoices and notices as needed.

Final Words

Once you have considered all the different ways you can accept payments on your website, you should be able to decide which one to choose, depending on the nature of your business and your target customer audience.

Accepting payments on your website is one thing.

Holding onto your web payments is another.

Your business is moving to more digital ways of doing things, so why not include your bank account?

Open a Statrys account today, and you'll get a digital business account ready to take on your digital transactions.


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