Finding the Best Website Credit Card Processing

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Libby James
Merchant Services Expert

Libby James is co-founder, director and an expert in all things merchant services. Libby is the go-to specialist for business with more complex requirements or businesses that are struggling to find a provider that will accept them. Libby is regularly cited in trade, national and international media.

Best Website Card Processing

Are you looking for the best credit card processing solution for your website? Whether you’re a small business owner or an established e-commerce merchant, having a reliable and efficient payment processing system is crucial for your online success. In this guide, we’ll walk you through the key factors to consider when choosing a website credit card processing service. From fees and security to integration options and customer support, we’ll cover it all to help you make an informed decision.

Understanding the Importance of Website Credit Card Processing

In today’s digital age, accepting credit card payments on your website is a must. It not only provides convenience to your customers but also expands your potential customer base by allowing you to tap into the vast online market. Moreover, it enhances the professionalism and credibility of your business, instilling trust in your customers and encouraging repeat purchases.

Key Factors to Consider When Choosing a Provider

Pricing and Fees: One of the most important aspects to consider is the pricing structure and fees associated with the credit card processing service. Look for a provider that offers competitive rates, transparent pricing, and no hidden charges. It’s also crucial to understand the different types of fees involved, such as transaction fees, monthly fees, and chargeback fees. 

Robust Security Measures: Security should be a top priority when processing credit card payments. Ensure that the provider adheres to industry-standard security protocols, such as PCI DSS compliance, to protect sensitive customer information. Look for features like tokenisation and encryption to safeguard data during transmission and storage. 

Integration Options: Consider the compatibility and ease of integration with your website’s existing platform or shopping cart software. The credit card processing service should seamlessly integrate with your website, allowing for a smooth and hassle-free payment experience for your customers.

Customer Support Quality: Prompt and reliable customer support is essential when it comes to resolving any issues or concerns related to credit card processing. Choose a provider that offers responsive support channels, such as phone, email, or live chat, to assist you whenever you need assistance. 

Evaluating Pricing and Fees

When comparing different credit card processing providers, it’s crucial to assess their pricing and fee structures. Look for providers that offer competitive rates and clear pricing models. Consider the following points: 

Transaction Fees: Understand the transaction fees charged for each processed payment, whether it’s a flat rate or a percentage of the transaction amount. 

Monthly Fees: Check for any recurring monthly fees associated with the service, such as gateway fees or account maintenance fees. 

Chargeback Fees: Inquire about the chargeback fees and how the provider handles disputed transactions. 

Hidden Fees: Be cautious of any hidden fees, such as setup fees or termination fees, that could impact your overall costs. 


Ensuring Robust Security Measures

To protect your customers’ sensitive information, it’s crucial to choose a credit card processing service that prioritises security. 

Look for the following security features: PCI DSS Compliance: Verify that the provider is compliant with Payment Card Industry Data Security Standard (PCI DSS), which ensures the secure handling of cardholder data. 

Tokenization: This feature replaces sensitive card data with a unique identifier, reducing the risk of data theft during transmission and storage. 

Encryption: Ensure that the provider uses strong encryption protocols, such as SSL (Secure Sockets Layer) or TLS (Transport Layer Security), to safeguard data. 


Exploring Integration Options

Compatibility and ease of integration are essential factors when choosing a credit card processing service. Consider the following aspects: 

E-commerce Platforms: Check if the provider supports integration with popular e-commerce platforms like Shopify, WordPress, WooCommerce, or Magento. 

Shopping Cart Compatibility: Ensure that the service integrates seamlessly with your website’s shopping cart software. 

Developer Resources: Look for APIs and developer documentation provided by the provider to facilitate smooth integration for your development team. 

Assessing Customer Support Quality

Reliable customer support is vital for resolving any issues or concerns related to credit card processing. Consider the following points: 

Support Channels: Check if the provider offers multiple support channels, such as phone, email, or live chat, for prompt assistance. 

Availability: Ensure that customer support is available during your business hours or offers 24/7 support for immediate help when needed. 

Responsiveness: Look for a provider known for its responsive and helpful customer support team. 


Commonly Asked Questions
What is credit card processing for websites?
Credit card processing for websites refers to the service that enables businesses to accept credit card payments securely through their websites. It involves the transfer of payment information from the customer’s card to the merchant’s account, allowing for online transactions.
How does credit card processing work for websites?
When a customer makes a purchase on a website, the credit card details are securely transmitted to the payment processor. The processor verifies the card information, checks for sufficient funds, and requests authorisation from the cardholder’s bank. If approved, the payment is processed, and the funds are transferred to the merchant’s account.
Can I accept credit card payments on my website?
Yes, you can accept credit card payments on your website by integrating a credit card processing service. This allows your customers to make online purchases using their credit or debit cards, providing them with a convenient and secure payment option.
What fees are associated with credit card processing?
Credit card processing fees vary depending on the provider and the type of transaction. Common fees include transaction fees (a percentage of each transaction or a flat fee), monthly fees (gateway fees, account maintenance fees), and chargeback fees (incurred when a customer disputes a transaction).
Is it safe to process credit card payments on my website?
Processing credit card payments on your website can be safe if you choose a reputable credit card processing provider that implements robust security measures. Look for providers that are PCI DSS compliant, use encryption technologies, and employ tokenization to protect sensitive cardholder data.
What security measures should I look for in a credit card processing service?
When selecting a credit card processing service, ensure they adhere to industry-standard security measures. Look for providers that are PCI DSS compliant, offer tokenization to protect card data, and use encryption protocols like SSL or TLS for secure transmission of information.
How can I integrate credit card processing with my e-commerce platform?
Integrating credit card processing with your e-commerce platform can be done by selecting a compatible service provider. Look for providers that offer integration options with popular e-commerce platforms like Shopify, WooCommerce, or Magento. They usually provide developer resources and APIs to facilitate smooth integration.
What should I do if I have issues with credit card processing on my website?
If you encounter issues with credit card processing on your website, reach out to your credit card processing provider’s customer support team. They can assist you in troubleshooting and resolving any problems or concerns you may have.

How Merchant Advice Service (MAS) Can Help

At Merchant Advice Service, we understand the importance of finding the best credit card processing solution for your website. Our knowledgeable team can provide expert guidance and support in selecting the right provider based on your specific business needs. Whether you’re a small business owner or an established e-commerce merchant, we can help you navigate through the complexities of credit card processing to ensure a seamless and secure payment experience for your customers. For more advice like this, visit our blog page!


Choosing the right credit card processing solution is a pivotal decision for any online business. Whether you’re running a brick and mortar shop that’s expanding online or an established online store, the payment methods you offer can make or break the customer experience. Merchant Advice Service (MAS) can be your guiding light in this complex landscape, offering expert advice tailored to your specific product or service needs.


From understanding the various ecommerce platforms to selecting the most secure online payment gateway, MAS helps you make informed decisions so you can accept payments online with confidence. With their support, you can focus on what you do best—growing your business and providing excellent service to your customers.


So, if you’re looking to enhance your payment methods and secure a seamless transaction process, Merchant Advice Service has got you covered.

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Libby James

Libby James Co-founded Merchant Advice Service alongside David Bird in 2016. Her finance background, coupled with retail and customer service experience, gave Libby the drive to bring transparency and non-biased advice to the world of merchant services. Having come from the heavily regulated mortgage and insurance industry, Libby found it puzzling that other financial sectors lacked regulation and transparency leaving customers confused and unable to make informed decisions when it came to accepting card payments. This was soon to become Libby’s obsession!

With the help of some of the industry’s best, Libby began to research acquiring banks, complex terminology/regulation, and the problems customers experience within merchant services and payment gateway markets. She spent years on sourcing solutions for complex clients, which previously others were unable to assist with. Libby established relationships with brokers and banks which would soon form the cornerstone of Merchant Advice Service. As a result Libby has been featured in high-profile publications across the web.

Libby is proud to be the entrepreneur’s champion, supporting start-up businesses regularly. Her industry insights can often be found on LinkedIn where she provides free of charge advice and money saving pointers. It’s safe to say she has her finger on the pulse of everything card payments related.

Libby speaks of her experience in founding and running Merchant Advice Service…

‘Merchant Advice Service is one of my greatest achievements to date. We help business owners to overcome card processing issues which can become detrimental to their business. We assist SME’s in finding suitable card payments solutions, helping them create their vision. Each and every day is different, exciting and fore filling. As technology advances I can’t wait to see the way in which the merchant services market advances, and I’m pleased that our business will play a part in educating company owners along the way.’

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