You can accept online payments from an ECommerce Web site in two general ways:

1)Through your own online merchant account and/or 2)Through a third party online payment processor.

Accepting Payments Online through your own Internet Merchant Account

Accepting payments online via a merchant account puts you in control and limits your reliability on outside payment acceptance services. This approach can also seem like a jigsaw puzzle. Besides an Internet merchant account, you will need shopping cart software, a store or site host, a processor, and a secure payment gateway.

You may fit these pieces together in several different ways. On one end of spectrum, you can choose provider for each piece individually. On other end, you may choose a turnkey solution, where a single provider has completed puzzle for you.

There is no single best solution. Your choice will depend on your particular needs and experience. Among other considerations, you should factor in your own comfort with technologies, customer convenience, providers' service levels, available technical support, reliability, costs, and time commitment involved.

Fees

There are a myriad of potential costs and fees involved in accepting payments online, making it difficult to compare different options.

Potentially, you could be charged fees by each provider involved in helping you accept payments online - application fees, set-up fees, yearly memberships, monthly statement charges, monthly minimums, gateway access fees, statement fees, fixed transaction fees, variable transaction discount rates (processing fee for each transaction), and cancellation penalties are all common.

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