Before you launch your e-commerce website and start accepting credit cards, there are 3 important items that must be in place:

An SSL certificate will ensure that your customers personal information, such as their credit card, is transmitted across the internet safely and securely.

A payment gateway is an e-commerce service that authorizes payments for e-businesses and online retailers. It is the equivalent of a physical POS (point-of-sale) terminal located in most retail outlets. A merchant account provider is typically a separate company from the payment gateway. Some merchant account providers have their own payment gateways but the majority of companies use 3rd party payment gateways. The payment gateway handles all credit card authorizations by checking the customer's bank account to ensure funds for the sale are available. Once the check has completed, the payment gateway sends back a code to the e-commerce system that it can determine what the result of the authorization was.

 
Payment Gateway

$25.00

Monthly plus fees

Setup
$99.00
Monthly Gateway
$25.00 / month
Per Transaction (Gateway) Fee
$0.10
$0.10
Award Winning Support
Included
Website Trust Seal for your Site
Included
Fraud Prevention Tools
Included
Recurring Billing & Customer Data Storage
Included
QuickBooks Integration Included
 

A merchant account allows you to receive the funds captured by the payment gateway. When the payment gateway processes your payments for the day (usually called a batch) the money is released to your merchant account which is then deposited into your business bank account.

We work with CDG Commerce and Authorize.net to bring you some of the best rates in the industry. Although you may obtain a merchant account from any other provider, including your bank, we strongly recommend CDG Commerce and Authorize.net for your gateway and merchant account needs.

 
Merchant Account

$10.00

Monthly plus fees

Initial Setup
FREE!
Monthly Merchant Fee
$10.00 / month
Monthly Sales Minimum Required
None!
Visa Fixed Acquirer Network Fee (FANF)
Varies per month based on volume
($4.50 / month -$26.50 / Month)
Contract Term Commitment
None!
Qualified Card Rate (Visa/MC Per Sale Fee - Most Credit/Debit Cards)
2.25% + $.30 of total sale
Non-Qualified Card Rate (Visa/MC Surcharge - Rewards/International/Corporate Cards)
2.25% Qualified + 1.50% + $0.10 surcharge
ACH (for nightly deposit only on days of sales)
$0.25 per day