How does collecting payment online work?
Credit Cards - To accept credit cards, whether online through a payment gateway or offline through your point of sale (POS) terminal, your storefront must be protected by a 128-bit SSL certificate.
Credit Cards with Online Processing - To process credit cards online so that the money is deposited automatically into your bank account, you need an SSL Certificate for your online store, a payment gateway, and a merchant account. Payment gateways authorize the transaction and handle how the funds move from a credit card account to your bank. A merchant account is essentially your business account where the money is deposited.
Quick Shopping Cart integrates with four popular payment gateway providers: Innovative, Authorize.net, VeloCT, and QuickBooks Merchant Services.
When customers use a credit card to purchase items from your store, payments are preauthorized. You must manually accept the payment from the Order detail screen by clicking Capture Funds.
Credit Cards Offline through a Point of Sale Terminal - To process credit cards offline (manually) through a point of sale credit card swipe or number entry terminal (POS), you need an SSL Certificate for your online store along with the POS credit card terminal and an account with a card processing company.
PayPal - You can start accepting credit card payments instantly with a PayPal account. Using your PayPal account, you can also accept PayPal wallet funds from customers. With PayPal, you are not required to have an SSL Certificate, payment gateway, or merchant account. Signing up for a PayPal account is free and easy, and there are no set up fees or monthly charges. You are responsible only for the transaction fees, which are currently as low as 1.9% + .30 per transaction.
Cash On Delivery - Collecting money through the tried and true "Cash on Delivery" method is simple and a great option for customers who are unable, or unwilling, to provide credit card information online.
Purchase Orders and Personal Checks - Quick Shopping Cart provides a "Print and Call" option that lets customers print their order and then call you to arrange payment. You can then open the order and enter the payment method and terms that you and the customer have agreed to. This option is a convenient and flexible way to enable you to decide specific payment terms on a case-by-case basis with your customers.