Accepting Credit Card
Payments Through Your Web Site
If you're
selling a product on the Internet, accepting credit card payments and enabling
your customers to purchase your products through your web site is a must.
However, if you're just starting out, you may not be sure where to
start.
Sure, you'll
need a web site and product, but how will you accept credit card payments
through your web site? Will you need a merchant account? How much will it
cost? Are there monthly fees? If you have a digital product, how will you
deliver your product to your customer? The process can be very intimidating.
However, after reading this article, you will see just how simple it really
is.
When the Internet first began, there weren't many choices when it came to
accepting payment through your web site. You either had a merchant account,
which was usually quite costly, or you had to provide a mailing address for
your customers to 'snail' mail you checks and money orders. Eventually, online
business owners were able to accept checks online, which made things a little
easier.
Today, however, there are many options when it comes to accepting credit
card payments through your web site. Online payment processors will enable
you to begin accepting payments - in a matter of days - without a merchant
account or monthly fees. You are usually only charged a fee when and if you
make a sale.
Credit Card Payment
Processing Companies
The two most
popular payment processors for online businesses are ClickBank and PayPal:
ClickBank
http://www.clickbank.com
ClickBank is a payment processing service that will enable you to sell digital
products. They will enable you to accept Visa, MasterCard, American Express,
Discover, Eurocard, Visa-Debit, MasterCard-Debit, Novus credit cards, electronic
checks and PayPal. Services are available for US and non-US merchants.
They charge a small one-time activation fee and a small fee per sale. However,
they do not charge a monthly fee. If you don't make any sales, there are
no additional fees.
ClickBank also enables you to have your own affiliate program, which will
enable you to increase the sales of your product. They provide a market place
where you can advertise your products and affiliate marketers can learn how
they can sell your products for a commission of the sales.
One of the best benefits of using ClickBank is that they handle everything
for you. Not only do they take care of all the money and pay your affiliates,
but they also send you a check twice a month for the sales that have been
made.
PayPal
http://www.paypal.com
PayPal will enable any business or consumer with an email address to securely
send and receive payments online. You can also accept Visa, MasterCard, American
Express, Discover credit cards and electronic checks. You can sell with PayPal
through an online auction, on your own web site, or as part of an online
marketplace. They also offer recurring billing. There are no setup fees.
However, they charge a small fee per transaction. Services are available
for US and non-US merchants.
Like ClickBank,
PayPal has a market place where you can list your product; however, there
is a fee. Unlike ClickBank, affiliates cannot sign up to sell your product
through PayPal. Instead, if you want an affiliate program, you must set up
your own affiliate system.
One of the best benefits of opening a PayPal account is that it is basically
an online paperless bank account. You can deposit and withdraw money, use
a PayPal debit card at any store that accepts Mastercard, and even get a
PayPal charge card if you'd like.
Integrating Your
Payment Processor with Your Web Site
When you sign
up with either ClickBank or PayPal, you will be provided with a snippet of
HTML code to place within your web page. Simply paste the code into the HTML
portion of your web page where you would like your button to appear. Once
the button appears, your visitors can click on it to purchase your product.
It's that simple.
Delivering Your
Digital Product to Your Customer
When using either
ClickBank or PayPal to process your payments, they will ask you to provide
them with the web address of your 'Thank you' page, also known as a 'Download'
page. This is the web page your customers will be sent to once they complete
their purchase. This page should be used to thank your customer for purchasing
your product and tell them how much their credit card has been charged and
by whom. In addition, you will need to provide instructions on this page
to assist your customer in downloading your product.
To create a download link on your 'Thank you' page, most servers will allow
you to simply link to the file on your web server. When your customer clicks
on your download link, a download window will load and enable them to save
your product to their computer. If this method of linking doesn't work for
you, contact your server administrator for assistance.
Online payment processing services will enable you to quickly and easily
accept credit card payments through your web site. They provide a quality
service for Internet marketers at a reasonable price. Visit these great sites
and start accepting payment through your web site in just a matter of days.
You'll be glad you did.
Copyright © Shelley
Lowery
About the Author:
Shelley Lowery is the owner of
www.Web-Source.net. Join Shelley
and many others who work from home. Find out how you can launch 6 automated
income streams in just 24 hours. Visit:
www.BoardYourShip.com/workfromhome/
You have permission to publish this article electronically, in print,
in your ebook or on your web site, free of charge, as long as the author
bylines are included.
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