How to Find the Right Payment Processor for Your Ecommerce Website

A website payment processing company, processes payments on ecommerce enabled websites, most often in the form of credit card transactions, although payment options have and continue to expand. Today webite owners can choose from a plethora of payment options including credit cards, Apple and Google Pay, or Bitcoin, just to name a few. But processing payments online may not be the only feature you need to successfully run your business.

Often website owners will wait until the end of their ecommerce website design project to find a payments partner or focus mostly on the rates a payment processor charges. But it is equally important to consider whether a potential payment partner’s services and features are compatible with your website and business requirements, now, as well as down the road, as your online business grows and evolves.

When choosing a suitable vendor to handle your payment needs you should also consider factors such as:

  • Supported platforms: does the company excel at processing website payments or point of sale;
  • Technology: does the company focus on offering "out of the box" payment options or payment services via APIs;
  • Customer support: does the company offer better support for developers (technological documentation) or businesses (customer service);

The answers to these questions, in regards to your current and future business requirements, should factor heavily into your decision about which payment processor is right for you and your customers. Below we compare four credit card processing solutions we commonly use to process payments on websites designs we build and support.


  • Largest (by far) processor of credit and debit card transaction.
  • Widespread used and recognized, consumer confidence, worldwide reach, and works as primary or supplemental payment method
  • Good option for small businesses with lower transaction volumes.
  • Pay-as-you-go terms pricing model, no long-term contracts or early-termination fees.
  • Out of the box solutions that integrate easily with most ecommerce platforms.
  • Primarily focused on processing online credit / debit card transactions.

Typical rates: 2.9% plus $0.30 per transaction



  • Owned by Paypal
  • Advanced payment solution with extensive developer tools, support for alternative payment methods, a worldwide network, and top-tier customer support;
  • Supports many payment options, including credit cards, PayPal, Apple / Google Pay, Venmo and more;
  • Offers advanced tools such as fraud protection, data security and reporting.
  • Supports website, mobile, and in-store point of sale payments.
  • Volume discounts for customers with high transactions volumn.

Typical Rates: 2.9% plus $0.30 cents flat rate per transaction


  • Consumer name recognition and worldwide support, similar to Paypal, combined with developer support, similar Braintree.
  • Offers solutions for mainstream (i.e. processing website payments via credit card) and alternative payment methods, such as Bitcoin and ACH.
  • Provides excellent developer tools and documentation as well as solutions for fraud prevention and PCI compliance.
  • Compatible with hundreds of business software applications and services, such as e-commerce websites, accounting systems and invoicing software.
  • Offers out of box ecommerce tools, such as checkout forms, that can be integrated directly into your ecommerce website.

Typical Rates: 2.9% plus $0.30 cents flat rate per transaction; 0.8% for Bitcoin and ACH.

  • Owned by Visa.
  • Well know, well-respected payment processor supporting many payment options.
  • Good option for larger, established, traditional businesses and organizations.
  • Offers both merchant account + payment gateway services as well as a payment gateway only option.
  • Advanced fraud protection tools, excellent customer support, and business software integrations.
  • Supports credit cards, international transactions, e-checks, mobile payments, donations, POS and recurring payments.

Typical Rates: $25 per month, plus 2.9% + 30¢ per transaction (Merchant account and payment gateway.)

Avatar New York Web Design is an award-winning ecommerce website design company specializing in website design and development, website optimizations, search marketing, and managed web hosting.