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Let's face it. Accepting credit cards online is an absolute must if you want to sell to consumers online. Since this is potentially a minefield of mis-information, dis-information & even outright lies, we thought we'd include a list of online merchant account providers & payment gateway currently supported by InstanteStore.com. Please note that this online merchant account list is by no means 100% complete since we literally add more supported payment gateways to our shopping cart software every single week.
However, if you do not currently accept credit cards online & are shopping around for an online merchant account, this list should put you on the right track. Even if you want to accept credit cards WITHOUT a merchant account, we've got you covered as well. Check out the list of 3rd party credit card payment processors that'll let you accept credit cards without your own merchant account.
Please note that different providers will charge different types of fees. Unfortunately, it's not as simple as looking for the provider that gives you the lowest discount rate. You will have to balance the discount rate, per transaction charge, monthly statement fee and also any other fees. This chart will help you find the best way to accept credit cards online according to your needs.
| Merchant Account Provider |
Real-Time Solution Price |
Gateway Fee |
Statement Fee |
Monthly Minimum |
Discount Rate |
Transaction Fee |
Tech Support Fee |
Merchants Accepted |
| ECHO INC |
$99 (free to switch) |
$0.00 |
FREE |
$0.00 |
1.99%-2.54% |
$0.30 |
$19.95 (if you process) |
US only |
| Bank of America |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
US only |
| WorldPay |
$399 |
Fee Not Disclosed |
Fee Not Disclosed |
$50/mth |
3.25% (Rates vary) |
$0.40 |
$50/mth |
International |
| Charge.com |
$195 |
$15/mth |
$10/mth |
$25/mth |
2.35% |
$0.30 |
$0/mth |
US only |
| Authorize .net resellers |
$300-600 + App. Fee |
$25/mth |
$10/mth |
$25/mth |
2.50% |
$0.35 |
Annual Fee (for some) |
US only |
| Asia Debit |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
$0/mth |
International |
| PaySystems |
$49.00 |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
3.95%* or 5.5%** |
$1.00* $0.35** |
Fee Not Disclosed |
International |
| PSI Gate |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
US & Canada |
| E-xact Transaction |
$175.00 |
$50/mth |
N/A |
N/A |
1-200 trans-$39.99/mth <201 trans-$0.18/trans |
1-200 trans-$39.99/mth <201 trans-$0.18/trans |
Fee Not Disclosed |
US & Canada |
| EFS Concorde |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Not stated |
| 2CheckOut |
$49 |
$0.00 |
|
$0.00 |
5.05% |
$0.45 |
None |
International |
| LinkPoint/Card Service Int. |
$499 |
$30/mth |
$10/mth |
$15/mth |
2.35% |
$0.25 |
None |
US only |
| eMatters.com.au |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Australia |
Sage Payment Solutions
(formerly known as EFT Secure) |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
US only |
| Processing Source Intl. |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
International |
| Ion Gate |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
US only |
| Commerce Payment (Malaysia) |
$230 |
$65/mth |
N/A |
N/A |
N/A |
4.50% |
N/A |
Malaysia |
| Cambist |
$150 |
$35 min. / $0.05/trans |
$5.00 |
$25.00 |
VS/MC 2.35% AMEX 3.50% DISC 2.14-2.79% |
VS/MC-0.30 AMEX-0.10 DISC-0.10 |
$30/yr |
Not Stated |
| Internet Secure |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
International |
| Verisign PayFlow Pro |
$249 (limit 1,000 trans then 0.10 per trans.) |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
59.95/month |
International |
| Verisign PayFlow Link |
$179 (limit 500 trans then 0.10 per trans) |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
19.95/month |
International |
| iCommerce Payment Gateway |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
2.29% |
$0.30 |
Fee Not Disclosed |
US only |
| SIPS |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Thailand |
| iTransact |
$295.00 |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
Fee Not Disclosed |
$24.95/mth (limit to 500 trans, then 0.10/trans) |
Fee Not Disclosed |
US only |
| USAepay |
$50 |
$7.50 |
N/A |
N/A |
N/A |
$0.00 |
$0.00 |
Selected Countries |
| PayPal |
None |
None |
None |
None |
2.90% |
$0.30 |
None |
Selected Countries |
| GSPay |
Free |
$0.00 |
$0.00 |
$0.00 |
4% - 8% |
$0.20 |
$0.00 |
International |
| Systems @ Work (EasyPay) |
From SGD$21/mth |
Free |
From SGD$30/mth |
3-3.5% (Rates varies) |
SGD$0.10 - $0.50* |
Free |
Singapore Only |
| VeriPayment |
$699.00 (one time only) |
N/A |
N/A |
4.95%+ |
$0.85 |
$10.00/week |
International |
| MerchantPlus |
$0.00 |
$0.00 |
$19.95 |
$0.00 |
2.15% |
$0.25 |
$0.00 |
US |
Online merchant account providers: If you help merchants accept credit cards and want your company listed here, please contact our marketing team.
Please note that this list is NOT a comprehensive list of payment gateways supported by InstanteStore. We add more and more supported online payment gateways every single week. This list was compiled to give you a head start if you're searching for the best online merchant account providers.
Happy shopping!
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