19 replies
I am wondering which payment options are vital for running an e-commerce website. I am using woocommerce and right now the only useful option I can use is Paypal. But a lot of people don't have Paypal. Is it a must to add an ''paying with credit card''option? are there plug-ins for this? I've heard of stripe, is this useful?

thanks, Konrad
#options #payment
  • Profile picture of the author noblepay
    Hi Konrad,

    There's a lot of payment options out there. PayPal is great if your starting out and have low sales. Stripe is ok too but each will charge close to 3%.

    You are right; many people don't have a PayPal account and don't want to be bothered by creating an account to order.

    I believe WooCommerce works with the Authorize.Net and NMI gateway's which would allow you to have your own merchant account.

    One of the challenges when you take credit cards is making sure you have a relationship with a group that can review your ordering system to make sure the terms of the sale are transparent.

    One of the biggest challenges I see is high chargebacks which will result in the payment system being shut down. From my experience PayPal and Stripe can and will shut an account down quickly if the chargebacks get ugly.

    When I help my clients we always make sure before the account is established that the ordering system, terms conditions have been reviewed and modified to minimize exposure.

    Hope this helps?
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    • Profile picture of the author konradg
      Originally Posted by noblepay View Post

      Hi Konrad,

      There's a lot of payment options out there. PayPal is great if your starting out and have low sales. Stripe is ok too but each will charge close to 3%.

      You are right; many people don't have a PayPal account and don't want to be bothered by creating an account to order.

      I believe WooCommerce works with the Authorize.Net and NMI gateway's which would allow you to have your own merchant account.

      One of the challenges when you take credit cards is making sure you have a relationship with a group that can review your ordering system to make sure the terms of the sale are transparent.

      One of the biggest challenges I see is high chargebacks which will result in the payment system being shut down. From my experience PayPal and Stripe can and will shut an account down quickly if the chargebacks get ugly.

      When I help my clients we always make sure before the account is established that the ordering system, terms conditions have been reviewed and modified to minimize exposure.

      Hope this helps?
      Wow, thanks for for warning me about the chargebacks, but I'm still not really sure what to do now?
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    • Profile picture of the author agmccall
      Originally Posted by noblepay View Post




      One of the biggest challenges I see is high chargebacks which will result in the payment system being shut down. From my experience PayPal and Stripe can and will shut an account down quickly if the chargebacks get ugly.
      Every merchant account regardless of who provides it will shut an account down if chargebacks get ugly
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  • Profile picture of the author Steve B
    Originally Posted by konradg View Post

    . . . it a must to add an ''paying with credit card''option?
    Konrad,

    Paypal gives you the option of paying by credit card. And yes, Stripe is good but there are also lots of other options.

    Steve
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    • Profile picture of the author Jill Carpenter
      Originally Posted by konradg View Post

      I am wondering which payment options are vital for running an e-commerce website. I am using woocommerce and right now the only useful option I can use is Paypal. But a lot of people don't have Paypal. Is it a must to add an ''paying with credit card''option? are there plug-ins for this? I've heard of stripe, is this useful?

      thanks, Konrad
      Yes, paypal offers you to pay with paypal or straight out with a credit card.

      Woocommerce plugin sets it all up for you.

      Just enter your paypal info in the plugin, and mention on the pre payment page that they have an option when they go to make the final payment.
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      • Profile picture of the author konradg
        Originally Posted by Jill Carpenter View Post

        Yes, paypal offers you to pay with paypal or straight out with a credit card.

        Woocommerce plugin sets it all up for you.

        Just enter your paypal info in the plugin, and mention on the pre payment page that they have an option when they go to make the final payment.
        thanks for the useful information. I can't seem to figure out where to add credit card option in wordpress though.
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        • Profile picture of the author mich800
          Originally Posted by konradg View Post

          thanks for the useful information. I can't seem to figure out where to add credit card option in wordpress though.
          It is in the woocommerce settings/checkout. If you want to keep them on your site using paypal as your gateway for credit cards you will need paylpal pro. If you are just using payal off your website it will be a selection once they get to paypal.
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          • Profile picture of the author konradg
            Originally Posted by mich800 View Post

            It is in the woocommerce settings/checkout. If you want to keep them on your site using paypal as your gateway for credit cards you will need paylpal pro. If you are just using payal off your website it will be a selection once they get to paypal.
            Ah thanks for the clarification. I was confused by this because I could never find a credit card option on my website. I think I'll wait a bit since my budget is low at the moment, might grade up my paypal account in the future !
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  • Profile picture of the author YourBizAid
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    I wouldn't consider PayPal if I were doing huge numbers. You may need to open up a proper merchant account...

    K
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    • Profile picture of the author agmccall
      Originally Posted by YourBizAid View Post

      I wouldn't consider PayPal if I were doing huge numbers. You may need to open up a proper merchant account...

      K
      Paypal also offers this service, it is called paypal payments pro with gateway. I have used it for years on my ecommerce site with not problems at all

      al
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  • Profile picture of the author DHB Web
    If you are just starting out I would stick with PayPal until you find you need something else however that may never happen, as has been said above, PayPal offers credit card payment without signing up so your pretty much covered.
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  • Profile picture of the author mrvendi60
    Nowadays most of the people are using the PAYPAL, There are some country where there is no platform of Paypal, in this case beside the Paypal most of the people are using the SKRILL. You can use this skrill also if you want.
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  • Profile picture of the author vishwa
    PayPal is widely used payment processors. For the credit card processing I would like to use 2checkout.
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    • Profile picture of the author konradg
      Originally Posted by vishwa View Post

      PayPal is widely used payment processors. For the credit card processing I would like to use 2checkout.
      The only problems are the fees. My margins are quite small, the fees makes it extra worse.
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      • Profile picture of the author vishwa
        Originally Posted by konradg View Post

        The only problems are the fees. My margins are quite small, the fees makes it extra worse.
        I also suggest you to look at ccavenue. Their fees are quite low.
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  • Profile picture of the author xjokker
    You have to add paypal they are so well known now, but a google search will turn up a lot of options.
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  • Profile picture of the author Jordan Alexander
    There's a handful of considerations as well as options that will allow your business to accept credit cards online.
    1. Do you want a simple buy now button, or on site processing? This might affect your PCI compliance.
    2. A hosted payments page is common for merchants who don't wish to handle payment information.
    3. How much are you processing monthly? There could be a cost effective alternative comparatively speaking.
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  • Profile picture of the author Johnnyfx
    Originally Posted by konradg View Post

    I am wondering which payment options are vital for running an e-commerce website. I am using woocommerce and right now the only useful option I can use is Paypal. But a lot of people don't have Paypal. Is it a must to add an ''paying with credit card''option? are there plug-ins for this? I've heard of stripe, is this useful?

    thanks, Konrad
    I tend to use Paypal, Stripe or 2checkout.
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  • Profile picture of the author m19h80
    Paypal is fine but every country it does not support.....
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