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Online Payments

The process of receiving money for your sales via an online payment method involves three parties:

  • Your store.
  • The payment gateway: a special system, located outside your store but connected to it on a programming level, that processes your customers’ credit cards (or e.g. PayPal accounts) and does charging
  • Your merchant account at the payment gateway connected to your bank account.

To put it simply, your store connects to the payment gateway, transmits the order details, the payment gateway processes the customer’s credit card and transfers the money to your merchant account. Then you can withdraw the funds to your bank account and pay your bills or go on vacation.

Online payment methods can be narrowed down to 2 options:

  • Accepting credit/debit cards.
  • PayPal, a leading payment processor in US presently. To provide credit card payment option, you should choose a payment gateway through which your funds will be processed. So your next question is…

What payment gateway should I choose for my store?

Choosing a payment gateway means choosing a company (payment processor) who meets the following criteria:

  • They accept payments in your region (i.e. where you live or run your business) and allow paying with your currency. It could be a company working solely in your country like PayPal, etc).
  • Their services meet your business requirements.
  • Their plans and prices suit your budget. Most of the payment systems apply transaction fees. To learn exact fees, you should contact customer service of the payment company that you’re considering. Below you will see a full list of payment gateways that are already connected.

What online payment methods can I use?

Here is a list of all online payment methods that work. The payment methods below do not require programming knowledge and are already integrated into your store. Just pick a payment method in the Payments tab of your store and follow the instructions.

Payment GatewaySupport Countries
SquareSquareUSA, Canada, Australia, UK, and Japan
StripeStripe20+ supported countries
PayPalPayPal (Standard, Advanced, Express Checkout, Payflow Link, Payments Pro Hosted)200+ supported countries
PayPal PlusGermany
Authorize.Net SIMAuthorize .Net SIMUSA, Canada, UK, Australia and New Zealand
First Data Global Gateway e4First Data Global Gateway e4140+ supported countries
PayeezyPayeezyUSA and EU
2Checkout2Checkout200+ supported countries
Allied WalletAllied Wallet190+ supported countries
American ExpressAmerican ExpressUSA, UK, France, Germany, Mexico, and Australia
ArsenalPayArsenalPayRussian Federation
Authipay Payment GatewayAuthipay Payment GatewayUK and Ireland
Bambora Online CheckoutBambora Online CheckoutUSA, Canada, Sweden, Norway, Denmark, Finland, Australia, and New Zealand
Beanstream (Hosted Payment Form)Beanstream (Hosted Payment Form)USA and Canada
BitPayBitPay200+ supported countries
Boleto OnlineBoleto OnlineBrazil
CC AvenueCC AvenueIndia
Checkout Finland OVCheckout Finland OVFinland
CoinPaymentsCoinPayments180+ supported countries
Datatrans PaymentDatatrans PaymentSwitzerland
DwollaDwollaUSA
eWAY RapideWAY RapidAustralia and New Zealand
iDEAL (via Mollie)iDEAL (via Mollie)Netherlands
IntellectMoneyIntellectMoneyRussian Federation
InstamojoInstamojoIndia
iPay88iPay88Southeast Asia (including Malaysia, Philippines, Thailand, Indonesia, Vietnam, Singapore and a few others)
iPay88 PhilippinesiPay88 PhilippinesPhilippines
iPaymentiPaymentGermany
KlarnaAustria, Denmark, Finland, Germany, The Netherlands, Norway, Sweden, the United Kingdom, USA
Lemon WayLemon WayEU
Mercado PagoMercado PagoArgentina, Brazil, Chile, Colombia, Mexico, Venezuela, Peru, and Uruguay
MOLPayMOLPaySoutheast Asia
MollieMollieEU
Moneris eSELECTplus Moneris eSELECTplus(Hosted Paypage)Canada
MultiSafepayMultiSafepay (iDEAL, credit cards, Giropay, DIRECTbanking, etc)EU
Network MerchantsNetwork MerchantsUSA and EU
NextPay.ruNextPay.ruRussian Federation
Nochex NochexUK
PagSeguro UOLPagSeguro UOLBrazil
PayFastPayFastSouth Africa
PayAnyWayPayAnyWayRussian Federation
PayJunctionPayJunctionUSA
PayKeeperPayKeeperRussian Federation
PayLeapPayLeapUSA and Canada
PayOnlinePayOnlineRussian Federation
PayStoPayStoRussian Federation
PaystackPaystackNigeria
PaySeraPaySera180+ supported countries
PayTMPayTMIndia
PaytrailPaytrail (former Suomen Verkkomaksut Oy)Finland
PayU MoneyPayU MoneyIndia
PayUbizPayUbizIndia
PayU LatamPayU LatamArgentina, Brazil, Chile, Colombia, Mexico, Panama, and Peru
PayU RussiaPayU RussiaRussian Federation
PostFinance PaymentPostFinance PaymentSwitzerland
Rave by FlutterwaveRave by FlutterwaveUSA, Nigeria, Kenya, Ghana, and South Africa
RazorpayRazorpayIndia
Realex Payments/Global IrisRealex Payments/Global Iris50+ supported countries
RedsysRedsysSpain
RobokassaRobokassa (Webmoney, Yandex.Money, etc)Russian Federation
SafexPaySafexPayIndia
Sage ExchangeSage ExchangeUSA
SberbankSberbankRussian Federation
SepaSepaEU
Tinkoff PaymentsTinkoff PaymentsRussian Federation
Tpay.comTpay.comPoland
Virtual Cart ServicesVirtual Cart ServicesSouth Africa
WalletOneWalletOneRussian Federation
Worldpay Business GatewayWorldpay Business Gateway140+ supported countries
Worldpay Online PaymentsWorldpay Online Payments140+ supported countries
Yandex.KassaYandex.KassaRussian Federation
ZapperZapperUSA, UK, EU, Australia, and South Africa

What do I need to start accepting credit cards?

  1. Open a bank account where you will transfer the money from your purchases.
  2. Find a payment company/processor from the list above.
  3. Create an account with the chosen company.
  4. Configure the payment method in your store according to instructions from our knowledge base.
  5. Make sure it works properly. A recommended way would be to create a test product, e.g., $0.01 and try to buy it as a usual customer. If the payment is setup correctly, your order will be recorded in Accepted status in your control panel.
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