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HOW TO

How to Receive Payments for Your Online Sales
By: Nowshade Kabir
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    2005-07-04

    Table of Contents:
  • How to Receive Payments for Your Online Sales
  • If you are...
  • This solution is...
  • However, According to...
  • You can also...
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    How to Receive Payments for Your Online Sales


    (Page 1 of 6 )

    Once you decide which products you are planning to sell on the Internet, and what type of web store you are going to use in order to display your products, next vital decision that you have to take is to figure out how your customers are going to pay you.Whatever you plan to sell online, accepting credit card
    transaction is a must! A full 90 percent of all online sales
    occur through credit card payments.

    There are two ways you can add e-commerce capabilities to your
    website:

    1. Having your own merchant account
    2. Using third party processors

    What is a merchant account?

    A merchant account is a special kind of bank account where funds
    received from credit card transactions are first routed to the
    special account and held there before being remitted to your
    business account. You as an online merchant will need an account
    called “Card Not Present Merchant Account”.

    Having the merchant account is, actually, the first step in
    processing credit cards online. You will also need a payment
    gateway. A payment gateway is a service provided by billing
    processor which allows real time authorization of online
    transactions. The payment gateway you choose to work with has to
    be compatible with your shopping cart. Three top payment Gateway
    providers are AuthorizeNet (http://www.authorizenet.com/),
    Verisign (http://www.verisign.com/) and USAePay
    (http://www.usaepay.com/). All payment gateway providers have
    their own merchant solutions. Most banks, today, work with
    partner payment gateway providers and are fully capable of
    furnishing with a merchant solution.

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