LJg: eCommerce, Online Stores, Third Party Credit Card Processors
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eCommerce and Third Party Processors

In order to accept credit cards online as a payment method, you need to have a merchant account. For many small or start up businesses, however, the general "red tape" and expense involved in getting your own merchant account can be somewhat overwhelming.

To have your own merchant account you will need and must pay for set up costs, processing software, a secure server, customer service fees, monthly gateway fees and/or or minimum transaction fees.

There is another option available for those that do not have their own merchant account. This option is to outsource your credit card processing to a Third Party Processor.

A third party credit card processor accepts credit cards on your behalf and takes a percentage of the cost of the transaction. This percentage is relatively higher than it would be if you had your own merchant account, but you only pay fees if you sell your product. There are usually no monthly fees.

These online credit card processing companies will send you payment for all of your processed orders, minus their fee and a reserve fee. A reserve fee is withheld to cover charge backs you may have. If you have no charge backs within a specified period of time, your reserve will be refunded to you.

Third party credit card processors can often be the best option for small and just starting out businesses, as well as for international (non-US) businesses where obtaining your own merchant account is too expensive or hard to get.

Most third party processors are reasonable as long as your total sales are relatively low. When your monthly sales reach around $3,000 to $5,000, you should really consider opening your own merchant account where the initial setup cost is higher, but the percentage of the ticket price that you have to pay is lower. (See our Merchant Accounts page for more details.)

Listed below are two popular online third party credit card processors recommended by LJg that will process credit card orders for you without requiring that you have your own merchant account.

All of the eCommerce websites designed by LJg include step-by-step assistance in setting up the payment method best suited for your business as well as setting up your storefront to assure seamless integration between your website, your payment gateway and your payment processing options.


Get paid by credit cards or instant bank transfer with one simple, cost-effective solution. There are no setup charges, monthly charges, or gateway fees. With PayPal, you pay as you goŚwith rates as low as 1.9% - 2.9% + $0.30 USD per transaction.

Personal Accounts are free, but cannot accept credit card payments. Premier and Business Accounts are charged either the Standard or Merchant rate based on volume.

There is no fee for US customers to withdraw your funds from your PayPal account (transfer to your bank account).

Setup: Free
Orders by: Credit cards or direct transfer.
Transaction Fees (Standard Rate): 2.9% + $0.30.

To sign up for PayPal and start accepting credit card payments instantly, Click Here.


This is a reletively cheap and reliable service. Sale of products or services is accepted.

Merchants with US or Canadian bank accounts can have payments electronically deposited directly to any bank account at no cost.

This processor can be incorporated into almost any shopping cart that supports the authorize.net gateway.

Payments are made twice per month.
5% reserve fee, 90 day hold.
Chargeback fee of $10-30 per transaction.
Available for US and international merchants.

Setup: $49.00
Orders by: Credit cards and online checks.
Transaction Fees: 5.5% + $0.45.

To start accepting credit cards within minutes for a low one-time fee and instant set up, Click Here.

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LJg Consulting, LLC
Monroe, Louisiana

LJg: eCommerce, Online Stores, Third Party Credit Card Processors
LJg website designers in Monroe, LA offers eCommerce websites and assistance with merchant accounts and payment gateways for accepting credit cards online.