To accept online CC payments, you need to either have your own Internet
Merchant Account or use a 3rd party payment processor (Also referred to
as 3rd party merchant account).
(1) Own Merchant Account: Getting your own Internet Merchant Account is
more expensive and time consuming and involves high initial set up
costs. You can contact your bank and check with them if they can open
one for your business. I personally got mine from a company called
Cardservice International, Inc. (cardservice.com ) They offered me a
complete solution that included merchant account, payment gateway,
virtual terminal etc.
(2) 3rd Party Account: In this category, PayPal.com is very popular. (
After acquisition of Verisign, they offer processing services,
too, if you have your own merchant account). Another company, worth
mentioning, in this category is 2Checkout, Inc (2checkout.com ). I have
personal experience of dealing with both PayPal & 2checkout. I
personally found 2checkout.com to be more professional. Also, if you
plan to accept orders from countries other than the USA, then PayPal
has some limitations as they accept orders from a selected countries.
2checkout can accept orders worldwide. If your product is digital, you
may also consider clickbank.com, though I have never used their
Hope this helps. Wish you good luck
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