Best apps to process credit cards on your website

The internet makes it easier than ever to start a business or reach a larger clientele for the business you already have.

But one of the most basic things you need in order to make money online is a way to accept payments on your website.

In this article we review the top apps for processing credit card payments on your website, and walk you through how to choose the right app for your site.

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What You Need in a Payment Processing App

No matter what type of business you’re in—or even if you’re just a blogger ready to accept donations— to accept payments through your website, you need to make sure of two things:


1. It’s secure.

If people are going to give you their sensitive financial information, it’s your responsibility to make sure that doing so doesn’t put them at risk. You have to take the proper precautions to make sure you can accept payments securely.

That means investing in basic security measures like an SSL certificate and security software, and using a reliable program for processing payments. Some hosting providers offer security packages that cover most of your bases, and picking the right credit card processing app will cover the rest.


2. It’s easy.

Convenience is key when selling online. People aren’t going to take the time to write a check and put it in the mail or provide their bank account information for a transfer. In short, you have to accept credit cards. All of the best online payment processing apps make this possible and keep it convenient for your customers.


8 Top Credit Card Processing Apps for Websites

Luckily, there’s a whole industry of products designed specifically to enable websites to safely and easily accept online payments. Here are eight of your top choices.


1. Flint


Flint was specifically developed with small businesses in mind, so it’s easy to use and affordable. They promise security measures that are in compliance with PCI standards. And you can easily get it setup on your website within minutes, without having to use any coding. Their Pro plan costs $99.99 a year and allows for unlimited online sales.


2. Flagship Merchant Services

flagship merchant services

Flagship’s online payment product enables processing for all major credit cards, as well as bank transfers. As with other payment processing apps, they offer a secure and convenient transaction process. They also have features to make recurring billing easier for repeat and subscription customers, and can be set up to sync with Quickbooks to easily import your sales details into the accounting software. They offer a number of pricing models that businesses can choose based on what works best for the way you do business.  


3. Stripe


Stripe’s payment processing app allows you to accept both credit cards and wallets (like Google Pay and Apple Pay). They have a UI toolkit that lets you build your own checkout form. And they use an encryption process for security that’s in compliance with all the highest industry standards. They price per credit card transaction, with each sale costing 30 cents, plus 2.9% of the total charge.  


4. Braintree


Braintree allows you to accept payments via credit cards, PayPal, Venmo and wallets.  They offer both a drop-in UI you can use to easily set up your checkout process, or a custom UI that allows you to tailor the details. They offer Level 1 PCI compliance for security, as well as additional features you can use for fraud protection. And they have features that make it easy to save billing info for repeat customers to make check out easier. They charge a per transaction fee of 30 cents, plus 2.9% of the total purchase.


5. 2Checkout


2Checkout’s shopping cart product is easy to get set up and provides both an inline cart you can use that’s designed to be intuitive, and a gallery of different templates you can work from if you want a different cart design. All of their cart options are responsive, so you can count on them to work seamlessly on mobile as well as desktop. They accept payments from all the major credit cards, Paypal, Apple Pay, and bank transfers, and can process payments from all over the world. Their fees start at 3.5%, plus 35 cents for each sale.  


6. PayPal Payments Pro

paypal payments pro

The familiar brand for all types of online payments and money transfers also provides a product for accepting eCommerce payments through a website. PayPal Payments Pro allows you to accept payments using credit cards or PayPal accounts. They offer a customizable API, if you want to create a particular checkout experience, and provide the option of financing, which can be useful for businesses selling big ticket items. They charge $30 per month, plus 30 cents and 2.9% for each transaction.


7. Authorize

authorize net

Authorize promises advanced fraud protection using a number of filters (velocity, IP, shipping, and transaction) to help you avoid scammers. They process all major credit cards, Apple Pay, PayPal, and Visa checkout. And they make recurring and repeat payments easier for customers. Getting set up is as simple as copying and pasting some html code into your site. The app costs $25 monthly, as well as 2.9% and 30 cents per charge.


8. Payline


Payline promises PCI compliance for data security, as well as fraud protection features. They allow you to accept all major credit card options, as well as ACH transfers. They also offer free subscription billing features and integration with over 175 online shopping cart products. They charge a $10 monthly fee, as well as a 20 cent per transaction fee, and 2.3% for all credit card charges.


Get Paid Quickly and Easily

The last thing you want is to make your customers feel like they’re jumping through hoops to give you their money. These payment processing apps make the purchasing process on your website quick and painless, so you get a higher conversion rate and more profits.

Kristen Hicks is an Austin-based freelance content writer and lifelong learner with an ongoing curiosity to learn new things. She uses that curiosity, combined with her experience as a freelance business owner, to write about subjects valuable to small business owners on the HostGator blog. You can find her on Twitter at @atxcopywriter.