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Beginner’s Guide to Accepting Online Payments


With the establishment of the internet, the doors of doing business were blown wide open. Dubbed as electronic commerce or “eCommerce”, businesses and even ordinary folks can build a website, set-up a shop, and sell online. This increases their chances of getting more sales since their marketplace is not just confined to one location or area. The entire world has become the marketplace.


As a newcomer to the eCommerce scene, you might be wondering how you can accept payments through your online store. In this Beginner’s Guide to Accepting Online Payments, we will discuss the different ways you can receive payments made to you online.

What are the ways to accept online payments?


Credit Cards

Credit Cards have been the staple mode of payment for everything from groceries to shoes. Since electronic shopping came about, credit cards have been used as well to pay for items shopped online. You just need to type in the necessary requirement and start shopping. Through the years, credit card companies have empowered credit card holders, enabling them to do online shopping easily and more conveniently.

Typical credit card providers include VISA, Mastercard, and American Express.



Next to credit cards, PayPal is one of the most popular modes of payment online. Bought by online website eBay, PayPal allows payments and money transfers via the Internet. Anyone can apply for a PayPal account and use it to do transactions online. It can be for purchases of items on a website like auction sites and online retailers, payment for services rendered, and payment of bills from a certain company or business. There are certain transactions that PayPal charges a fee for.

If you own a website that sells items online, you can allow PayPal to be the gateway of payment. Refer to PayPal’s help page or connect with them directly on how to do this.



ClickBank is primarily a website where you can sell your online digital products such as videos, PDFs, educational documents and the like. But as people buy your products, ClickBank has a payment system behind it. As your products are bought, the sales are stored into ClickBank’s payment system and you can withdraw it in different ways such as checks.


Prepaid Cards

Some companies who sell online sell prepaid cards in physical stores. One such example is iTunes, which sells digital products such as songs, movies, and apps. When you purchase a prepaid card, just scratch it out and input the number code in your account. Once it gets credited, then you are ready to buy anything you want. This has become a popular alternative to a lot of people since they do not have much to lose compared to using credit cards.


Other Payment Solutions

There are some local businesses such as banks that offer payment solutions done online. This is understandable since not everyone has a credit card or a PayPal account. Some can use their Automated Teller Machine card (or ATM) where they have a savings or checking account as mode of payment. The bank’s system shall debit the amount from their account once a purchase is made.


A Valid Online Payment Concern

As much as it is convenient to purchase items online, there is that danger of identity theft. There have been countless instances where malicious individuals used other peoples’ credit card numbers and information to make unauthorized purchases. This has caused people to fear making purchases online and would rather buy items off the shelf with physical money.


Online Commerce: An evolving and improving craft

Credit Card companies, online payment businesses, and eCommerce merchants alike are working hard to make their online system guarded against cyber-attacks. Some credit card companies offer an internet-ready debit card that contains a small amount of credit money.

Online commerce is still a changing and improving aspect of our online life. Companies continue to make their products and services available online and make their websites tougher against online fraud. In accepting online payments, website owners and businesses must ensure its online customers that their system is stable and secure.


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