How to Accept Online Payments Without a Website: A User-Focused Guide

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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.

No Website? No Problem

Have you ever wondered how you can accept online payments without having a website? Whether you’re a small business owner or an individual looking to sell products or services online, the thought of creating a website might seem overwhelming. But fear not! In this guide, we will walk you through the process of accepting online payments without the need for a website. With a user-focused approach, we’ll provide you with valuable insights and practical tips to get started. So let’s dive in!



Utilising Third-Party Platforms

One way to accept online payments without a website is by utilising third-party platforms. These platforms act as intermediaries, allowing you to showcase your products or services and receive payments through their systems. Here’s what you need to know:


  • Research and choose the right platform: There are various third-party platforms available, each with its own features and fees. Take the time to research and compare them to find the one that best suits your needs.
  • Create your profile: Once you’ve chosen a platform, you’ll need to create a profile. Provide accurate information about your products or services, including high-quality images and detailed descriptions. This will help attract potential customers.
  • Set up payment options: Most platforms offer multiple payment options, such as credit cards, e-wallets, and bank transfers. Configure the payment settings according to your preferences and the needs of your target audience.

Utilising Social Media Platforms

Another effective way to accept online payments without a website is by utilising social media platforms. With billions of users worldwide, platforms like Facebook, Instagram, and Twitter offer excellent opportunities to showcase your products or services and engage with potential customers. Here’s how you can do it:


  • Create a business account: Start by creating a business account on the social media platform of your choice. Fill in all the necessary information, including your contact details and a brief description of your offerings.
  • Showcase your products or services: Use high-quality images and engaging captions to showcase your products or services. Be creative and highlight their unique features and benefits.
  • Direct customers to payment options: To facilitate online payments, provide clear instructions on how customers can make a purchase. This can include sending a direct message or using in-app payment features offered by the social media platform.

Utilising Online Marketplaces

Online marketplaces have become increasingly popular for both businesses and individuals looking to sell products or services. These platforms provide a ready-made infrastructure where you can list your offerings and accept payments. Here’s how you can utilise online marketplaces:


  • Choose the right marketplace: Research and choose a reputable online marketplace that aligns with your industry and target audience. Popular options include Amazon, eBay, and Etsy.
  • Create an account: Sign up for an account on the selected marketplace. Follow the platform’s guidelines to create an appealing and informative product listing.
  • Manage payments through the marketplace: Online marketplaces often have built-in payment systems that handle transactions between buyers and sellers. Familiarise yourself with the payment process and ensure you understand any associated fees.

Accepting payments via QR code

The QR code was invented back in 1994, however had a massive impact in the card payments space during the COVID pandemic many years later. But how does accepting payments via QR code work?

In basic terms when customers scan a QR code they will be taken to a company payment page or ordering platform/website if working in hospitality. QR codes have been used in restaurants a fair bit over the last few years and begin to expand into other industry types such as charity card payments. Accepting card transactions via a QR code can be cost effective as businesses do not have the overheads of renting a card terminal. 


Accepting card payments via social media

Selling via social platforms such as Facebook or Instagram is becoming a popular way to increase sales and accept card payments. This isn’t limited to smaller businesses but also international brands. Often products a linked to stories’ giving viewers the option to buy. Social media platforms allow users to input their payment details making purchasing a seamless experience. the user can either make payment via the social media portal which is linked to the merchant’s direct website or by using a third party such as PayPal. payments within the social media space are set to increase in popularity as buying trends develop. Alternatively, some businesses use social media selling alone with a link to the company payments page. To discuss your social media card payments options, speak to our partners today.

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Commonly Asked Questions
Can I accept online payments without a website?
Absolutely! By utilising third-party platforms, social media platforms, or online marketplaces, you can accept online payments without the need for a website.
What are some popular third-party platforms for accepting online payments?
Some popular third-party platforms include PayPal, Stripe, and Square. Each platform has its own set of features and fees, so be sure to research and choose the one that best suits your needs.
How can I showcase my products or services on social media platforms?
Create a business account on the social media platform of your choice and use high-quality images and engaging captions to showcase your offerings. Direct customers to payment options through clear instructions.
Are there any fees associated with selling on online marketplaces?
Yes, online marketplaces often charge fees for listing products or services and processing payments. Familiarise yourself with the fee structure of the chosen marketplace to avoid any surprises.
Can I accept different payment methods through these alternative methods?
Yes, most third-party platforms, social media platforms, and online marketplaces offer multiple payment options, including credit cards, e-wallets, and Crypto. Configure the payment settings to suit your preferences and target audience.
Is it secure to accept online payments through these alternative methods?
Reputable platforms implement security measures to protect online transactions. However, it’s essential to choose trusted platforms, use secure payment gateways, and follow best practices to ensure the security of your customers’ data.
Can I track my sales and customer information using these methods?
Yes, many third-party platforms, social media platforms, and online marketplaces provide analytics and reporting features that allow you to track your sales performance and gather customer information.
How can Merchant Advice Service help me with accepting online payments?
As a leading provider of payment processing solutions we offer expert advice, personalised support, and a wide range of payment solutions to help businesses and individuals accept online payments with ease.

How Merchant Advice Service Can Help

Accepting online payments without a website is not as challenging as it may seem. By utilising third-party platforms, social media platforms, or online marketplaces, you can reach a wide audience and facilitate secure transactions. Remember to choose the right platform, showcase your offerings effectively, and provide clear instructions for payment. If you need further guidance or assistance, we’re here to help. Our team of experts can provide you with the necessary tools and knowledge to succeed in accepting online payments. Check out our services page to find out how we can support your payment processing needs. For more blogs like this, head over to our blog page!


Accepting payments online doesn’t require an elaborate online store or website. With various options like third-party platforms, social media, and online marketplaces, your online business can thrive. Whether you’re selling goods or services, setting up a payment page or using a mobile payment service, you can easily manage transaction fees and card details. 


Merchant accounts and payment processing companies offer a range of solutions for accepting credit and debit cards, making online payment processing straightforward. If you’re looking for personalised guidance, Merchant Advice Service is your go-to resource for all your payment needs.

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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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