Credit Card Processing
A shopping cart is a means to
collect credit card information.. not a payment processor. In order to accept
credit card payments you will need to set up either a 3rd Party Processor OR a
Merchant Account to accept credit card payments if you do not already have one. This page is here to explain a
bit about the differences between the two so you can decide which would fit your
We recommend starting out with
Propay to accept Credit Cards. If
you are not an established business and do not have the need to sign up for a Merchant Account to accept credit cards at
this time, we recommend taking
a look at www.propay.com to process
payments. They offer an online terminal to
process any type of CC payment (including those from your website OR orders
from a craft show for example) Yearly fee is $35.00.
The per transaction fee is around 3.5% + .35cents
A few common questions about
do I get my money? - After you charge a card, it usually takes about 2-3 days for that money to settle in your ProPay Account. Once money settles, you can transfer it to
any checking account in the United States. Transfers take
approx 4 business days.
How do I charge a credit card?
- After you sign up with ProPay and log in to your ProPay Account, you'll see the Submit My Customer's Credit Card
area follow the step by step.
benefits of Propay are: No monthly fees, Easy to
use, Customer does not need a Propay account, just a
Mastercard or Visa that they enter securely on your cart
check out page.
much more information on the Propay.com website under the
Customer Service link.
Depending on your business..
alot of your clients may already be familiar with using PayPal. In this case it
is a GREAT way to accept credit cards from your website. We can create a payment
gateway right from your cart to PayPal so payments are processed
The fees for PayPal are approx. 2.9% of sale + 30¢ per transaction
benefits of PayPal are: No monthly fees, Easy to use, Customers have the option of creating a Paypal account during the check out process in your cart or just entering their credit card for processing, low fees, TOTALLY SECURE
for you and your customers.. the merchant does not even have access to your
credit card info during a transaction.
There is much more information
on the www.PayPal.com
website under the Customer Service link. You will need a Premiere or Business
Account (not Personal) to accept credit cart payments. Paypal also now
offers a virtual terminal for a $20.00 a month fee (this is optional and you
can use it to process a phoned in credit card order for example)
Alot of our clients use BOTH
Propay and PayPal on their checkouts.
As a general rule you do not
need a merchant account until your website sales are steady each month and are
at least $500 in sales to cover the monthly fees involved in having a merchant
account. This is usually needed for an already established business or one that
has been online for a while.
Have you considered a Merchant
Account so you can process Credit Card Payments?
Why use a Merchant Account to
process Credit Cards?
credit card orders through 3rd parties, such as Propay.com or PayPal.com
BUT check out the reasons to get your own merchant account!
- Lower Percentage per Transaction
(more profit for you!)
- Lower Per Transaction Fees
- Your business name recognized
by your customers on their CC statement
- An online terminal to
phoned in or craft fair orders.
- Accepting Credit Cards is a sign to
that you are a legitimate business and not a hobby site!
Please note: Most Merchant
accounts have a minimum monthly fee to you of $20.00 to $30.00 and
monthly charge minimums you must meet also so please check all fees and
minimums thoroughly before signing up with any merchant account.
cart can use the www.LinkPoint.com
gateway, the www.Verisign.com
gateway or the www.Authorize.net
gateway for real time cc processing. We suggest checking with your local bank
or visiting any of these three sites online to check out Merchant Account sign
up fees and options.
PLEASE NOTE - a one time set up fee to Gone Country Graphics of
$25.00 does apply to merchant account gateway additions to your shopping cart set up.
All information on this page
is provided as "information only" . We make no guarantees of any of
the rates or services provided here by other parties if they change without
copyright 2002 Gone Country Graphics & Country Craft Website Design