Consumer Payment Card News

How to Accept Credit Card Payments as an Individual

Accepting credit card payments used to seem like a major feat only able to be accomplished by significant, established businesses. Now consumers with their own small businesses are able to take advantage of credit card payments in a variety of ways, namely by accepting them online – or even on their mobile phones.

Life is becoming more and more convenient with each new advance in technology. If you are interested in accepting credit card payments online or by phone, consider these options that are available to you.

Accepting Credit Card Payments Online
PayPal is one popular method of accepting credit card payments online. You can actually accept the credit card payments directly through PayPal, and your buyers and customers are still able to use their credit cards to pay, including Visa, MasterCard, American Express, and Discover, even if they donât have a PayPal account. PayPal offers two services that you can consider for your own businessâ needs – Website Payments Standard (no monthly fee) and Website Payments Pro ($30 per month). For added flexibility, PayPal also offers the ability to accept credit card payments via phone or fax. Of course, this whole virtual payment process is still a bit different from the traditional swipe of plastic in person that so many of us are used to, but the age of the Internet brings us the world of virtual shopping.

Google Checkout is another online method that allows customers to shop securely and pay by credit card or debit card. Website owners are able to offer Google Checkout as a means of payment for their visitors for only a small fee, accepting American Express, Discover, MasterCard, Visa, and Visa Electron (some limitations may apply). One of the key benefits of using Google Checkout to make a purchase is that the service does not share your personal information with the seller. Your full credit card number is not shared and you get to make the choice whether your e-mail address remains private or not.

Accepting Credit Card Payments on Your Cell Phone
Believe it or not, there are too many credit card processing cell phone apps to mention in one article! Choices range from name brands to up and coming application developers. The Square app ( reads credit cards with the use of a square credit card reader that they send you for free when you sign up. Advertised to be compatible with Android, iPhone, iPad, and iPod touch, this app charges you 2.75% per swipe, so you can decide whether or not the fee is worth the convenience. Some perks of using this credit card reader app include next-day payout, safe and secure transactions, and almost instant use.

Intuit GoPayment (Merchant Service for Mobile – offers a free card reader as well as $0 monthly fee Low-Volume Plan and a low rate of $12.95 for the High-Volume Plan. The swipe rate on the Low-Volume Plan is 2.70% while the High-Volume Plan offers a reduced swipe rate of 1.70%. GoPayment works on Apple iPhone, Android, and BlackBerry devices.

The added convenience of accepting credit cards can be a great step for your business, no matter if you choose to accept payments online or by cell phone. Be sure to read the fine print for details and other fees on any of these credit card processing services that you might be considering.

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