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E-Commerce: How to Accept Credit Card Payments in the Right Way

accept credit card payment online

Secure your customers' credit card transaction is a must!

Okay guys, we know the drill – offering more payment options can attract new customers. Particularly in retail, accepting credit card payments can make a real difference – as well as an added credibility to your store. In e-commerce arena, this is also the case. But you should pay more attention when you accept credit card payments for online purchases – why?

The first and foremost answer would be security. The number one concern when people are buying online is whether the online retailers are legit. Getting your credit card details stolen is the least thing you want when shopping online. As an e-commerce site owner, it’s your job to make sure that your customers’ credit card details – as well as other personal information – are well-secured.

So, how to accept credit card payments in the right way? Here are a couple of things to think about in your effort securing your e-commerce site’s credit card transactions (apologise if any of these is a bit technical):

Use HTTPS; even better, use certified SSL

Surprisingly, some of the sites I’ve ever visited ask for credit card details WITHOUT securing the page! They are using the unsecured HTTP – it’s risky at best, and you should not buy from such sites! The solution: Use HTTPS – or HTTP Secure – to encrypt your communication to prevent online eavesdropping and authenticate your online store’s web server.

Indeed, using https://www.your-online-store.com is definitely more secure than using http://www.your-online-store.com. However, you should not be stopping there!

HTTPS is good, but it’s uncertified; you might want to consider using certified SSL, which definitely can secure your online store better. What’s more, SSL certificates typically come with seal of approvals or badges, from which your customers can validate. Those badges will help ensuring your customers’ sense of security – and making your online store more trusted and credible at the same time.

VeriSign, Thawte and Comodo are some of the leading SSL certificates with strong reputation. SSL certificates are pretty similar from one to another, but be sure to shop around for the best value for money.

Partner with trusted merchant services

Accepting credit cards, you need to ensure customers that entering their credit card details is safe and secure. Using the SSL certificate I mentioned above can definitely help, but it’s not enough; partnering with Merchant Services offering enhanced security to online transactions is a must.

ChargeNational is one of the leading merchant services – which include online merchant services – serving more than 60,000 merchants, including big names such as Harley-Davidson, Applebee’s and Hostway. ChargeNational’s E-commerce merchant service include tokenization technology, as well as offering secure hosted checkout with no coding required on your part; it is also integrated with third-party payment gateways, such as Authorize.net.

Let your customers know your effort!

Offering the perk of accepting credit card payments online comes with a responsibility to secure them. Be sure to do it in the right way.

While doing so, be sure to let your customers know that you have taken extra measure to secure their purchase payments. This will help your online store gaining trust and credibility.

Ivan Widjaya
Tips on accepting online payment
Image: sixninepixels

About the Author: Ivan Widjaya is the Owner/Editor of Noobpreneur.com. He is a web property investor, blogger and web property builder.
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  • Redwood Merchant Services

    I definitely agree that letting the customer know that you have gone the extra mile to have secure credit card transactions is a good idea. It will make them feel better about their purchase and it will also push them to tell their friends and family about your company.

  • http://www.mppglobal.com/us/ payments online

    Thank you for sharing this post. I have read in detail and really good information to share. Really appreciate you post.

  • http://www.noobpreneur.com/ Ivan Widjaya

    Lisa,

    That’s a good point to add. People don’t like to be bounced around from one website to another one – unless you can make everything seamless.

  • http://www.verifone.com/payware-ocius Lisa Newman

    Great post Ivan.

    Another element of this to bear in mind is that the branding of the payment page is consistent with that of the merchant’s website. Some online payment systems redirect the user to a page hosted by the payment service provider. However this can cause checkout abandonment by the more cautious online shoppers, who may be concerned for their security if they notice they are being redirected away from the merchant sites.

    Systems which are embedded into the merchant’s site avoid this problem, but if the merchant prefers to use a hosted system they should ensure they are able to maintain control of the look and feel of the payment page.