Accept Credit Cards Online - Add a Shopping Cart to Your Website

Selecting the shopping cart software

There is a variety of shopping cart software available that you can integrate into your site. We generally don't recommend that any business use a proprietary shopping cart system that is tied to one vendor, like Yahoo!. The problem is that if you don't like the service for whatever reason, you are stuck there, because the shopping cart is tied to their systems.

On the other hand, if you have a shopping cart that is transferable from host to host, such as the Zen Cart or OSCommerce shopping cart systems, you are free to use any host that supports their programming language - which is PHP - an industry standard language for dynamic Web sites.

If you want to accept Paypal exclusively, with a little programming, you may be able to circumvent installing a shopping cart. The transactions are handled off-site on Paypal's secure server. Paypal's website has a lot of valuable help for developers if you wish to look into that.

SSL Certificates

In order to accept credit card payments directly on your own website, you will need to have an SSL certificate. Check with your bank before buying your certificate. Some banks are very fussy about the security of your site, and you may need to buy a more expensive grade of SSL certificate.

Merchant Account

A merchant account is an organization that accepts the money from credit card purchases on your behalf, and deposits the money in to your bank account. You might get a quote from your bank for an Internet-capable merchant account. Sometimes your own bank can offer you better terms, faster deposits, etc. than a third party.

Payment Gateway

A payment gateway is the organization that manages getting the credit card information from the client, checking to be sure that the card is valid, gets authorization (or declined) information form the client's card bank, then hands the information to the organization that handles your merchant account (above) to get the money into your account.

A popular payment gateway is Authorize.net.

Paypal is also a Payment gateway. They handle all of the legwork of getting the money out of the clients account and getting the money to you. Paypal is very convenient, but usually more expensive than traditional Payment Gateways.

Another Payment Gateway that handles the secure transactions on their own server (remotely) is 2Checkout.

Final notes

Setting up an e-commerce website is not for beginners. Most people will need to find a reputable party to install the software, and set everything up. Your web host may offer development services, or can probably refer you to someone. Once the initial setup is done, a good shopping cart is easy enough for someone who is moderately computer literate to maintain and operate.

Be sure to check with your Payment gateway and merchant accounts to find out their fees. Especially if you have a very tight profit margin.

About the Author
Allen Howard is the senior Technical Support Representative for InfoServe Media, LLC. InfoServe Media is a full service Houston Website design company specializing in custom Web site design. In addition to superior website design that even a new business can afford, we also offer hosting and domain names. We can integrate a shopping cart on your website, and provide guidance for setting up your payment gateway. Or we can build a website for you from the ground up. See our website for complete website design and hosting solutions including website promotion, Search Engine Optimization (SEO) services, SSL certificates and more.