--- title: "Internet Merchant Account: 5 Tips for Integrating" description: Combining providers and avoiding contracts are just scratching the surface when it comes to integrating an internet merchant account. image: https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/internet-merchant-account.svg --- [tel:1-800-601-0230](tel:1-800-601-0230) 800-601-0230 - Features - Solutions - Developers - [Pricing](https://www.payjunction.com/payments/pricing.html) - Resources [See a Demo](https://www2.payjunction.com/tour-payjunction) Features - EXPLORE PRODUCTS [No-code Payments Integration®](https://www.payjunction.com/payments/no-code-payments-integration.html) [ZeroTouch Terminal](https://www.payjunction.com/payments/smart-terminal.html) [Portable Terminal](https://www.payjunction.com/payments/portable-credit-card-reader-terminal.html) - ACCEPT PAYMENTS [Invoices](https://www.payjunction.com/payments/electronic-invoices.html) [ACH Electronic Checks](https://www.payjunction.com/payments/ach-payments.html) [SmartSurcharge®](https://www.payjunction.com/payments/smart-surcharge.html) [Cards on File](https://www.payjunction.com/payments/store-credit-card-info.html) [Rapid Refunds](https://www.payjunction.com/payments/credit-card-refund.html) [Recurring Billing](https://www.payjunction.com/payments/recurring-payments.html) [Ecommerce](https://www.payjunction.com/payments/ecommerce-merchant-services.html) [Mobile App](https://itunes.apple.com/us/app/payjunction/id1324839420?ls=1&mt=8) - EXPLORE CAPABILITIES [Overview](https://www.payjunction.com/payments/payment-processing-solutions.html) [Integration Marketplace](https://integrations.payjunction.com/) [Remote Signature](https://www.payjunction.com/payments/signature-capture.html) [Multi-Location](https://www.payjunction.com/payments/enterprise-payments.html) [Sales Reports](https://www.payjunction.com/payments/sales-reports.html) [Search and Export](https://www.payjunction.com/payments/transaction-history-search.html) [Customization](https://www.payjunction.com/payments/custom-payment-software.html) Solutions - [Veterinary Streamline payment workflows and get paid faster with up-front deposits and payment schedules for high-cost procedures. 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But those who do not have experience accepting customer payments online may be wondering about the ins and outs of processing [e-commerce payments](https://blog.payjunction.com/ecommerce-merchant-account/). As with brick-and-mortar transactions, e-commerce payment processing requires a [merchant account](https://blog.payjunction.com/merchant-account/) that allows you to receive credit card and debit card payments for your goods and services. While getting an online merchant account is technically no different from setting up a merchant account for a brick-and-mortar store (or might even seem more straightforward, given that you don’t need a credit card machine), in truth, there are numerous hidden complexities that can add cost and confusion for business owners. That’s not to say accepting payments online is inherently costly or complicated – but some providers make it more so than it needs to be. If you’re looking to start processing payments online by integrating to an Internet merchant account, these five tips can help you avoid needless costs and hassles. ## Tip No. 1: Get an Internet Merchant Account that Works with Your Other Merchant Accounts Just because you will need a new dedicated Internet merchant account does not mean you necessarily need to work with a new provider. You can streamline the process by first checking if your existing merchant account provider also offers e-commerce accounts. Working with the same provider can offer several benefits. First and foremost, you will already know if you are happy with your existing provider – and if they provide the features, transparency and support you need – and thus there may be less risk than trying someone new. Working with the same provider can also speed up or eliminate the [application process](https://blog.payjunction.com/merchant-account-setup/), as you will already have a track record with your provider, and can reduce the bills and paperwork you have to manage every month. ## Tip No. 2: Look for a Merchant Account and Payment Gateway in One While brick-and-mortar transactions only require a merchant account to be processed, there is an extra provider required for online transactions. This is called a [Payment Gateway](https://blog.payjunction.com/payment-gateway-definition/) provider. Your Payment Gateway is the silent connecting piece that communicates transaction and approval details between the various parties involved in online transactions, including the Card Association and your merchant account. While standalone Payment Gateway providers do exist, integrating to an Internet merchant account with a provider that also offers Payment Gateway services can help make things simpler by [streamlining your monthly billing](https://blog.payjunction.com/payment-gateway-bill-e-commerce/). Even better, it can save you money. Standalone Payment Gateways typically charge both monthly service fees for administering your account and providing the software. These costs are in addition to transaction fees. But because an all-in-one Merchant Account Provider is already benefiting from your business, they may not need to tack on additional fees. As not all Internet Merchant Account Providers do offer Payment Gateway services for free, it’s important to clarify up front. ## Tip No. 3: Choose an Integrated Shopping Cart Software After you find an all-in-one Merchant Service Provider and Payment Gateway, [shopping cart software](https://blog.payjunction.com/choosing-shopping-cart-software/) is required to host the products or services you want to sell. Shopping cart software run the gamut when it comes to abilities. Some do simple product management, while others can provide inventory management, analytics and more. The shopping cart will communicate with the Payment Gateway, so it’s pertinent that the software is integrated with the gateway. If not, the experience for online shoppers will be very poor, and it will mean slow cash flow for your business. ## Tip No. 4: Avoid Getting Locked Into a Contract Though the problem is not unique to Internet merchant accounts, another potential headache is getting locked into a contract with a provider whose services or fees aren’t making you happy. If that happens, you’ll either have to pay a penalty to change providers mid-term or be stuck with an account that doesn’t meet your needs until your contract expires. While the best way to avoid [early-termination fees](https://blog.payjunction.com/contract-terms-unethical-billing/) is to find a provider you don’t want to quit, looking for an Internet merchant account with a company that offers month-to-month, pay-as-you-go billing will eliminate any potential headaches. You may also find that a provider who doesn’t lock you in goes to further lengths to offer online merchants a stellar experience so that month after month, they choose to stick around. ## Tip No. 5: Select an Internet Merchant Account That Offers Tools to Protect Your Business The notion of processing card-not-present transactions online might have you concerned about fraud – or getting downgraded to [higher rate tiers](https://blog.payjunction.com/interchange-downgrades-unethical-billing/). But the right Internet Merchant Account Provider should offer tools to mitigate these risks. Look for a provider capable of collecting [AVS (Address Verification System) and CVV (Card Verification Value) information](https://blog.payjunction.com/avs-cvv-benefits/), which checks that the billing address attached to a card and the security code printed on the physical credit card are correct. This verification has a double benefit: it helps to confirm the authenticity of the purchase and, in the case of AVS, can lower the fees on the transaction. Some providers also have remote [signature capture capabilities](https://blog.payjunction.com/signature-capture/), which can be especially important to reduce losses on high-value merchandise as a signature is one of the best protections against a chargeback. ## Looking for an all-in-one service with integrated shopping cart options? [![LEARN ABOUT PAYJUNCTION](https://no-cache.hubspot.com/cta/default/635739/328e4c2b-c1c9-4c1b-9836-d5ba07433a6d.png)](https://cta-redirect.hubspot.com/cta/redirect/635739/328e4c2b-c1c9-4c1b-9836-d5ba07433a6d) Have you recently integrated an Internet merchant account into your business structure? Was the process easier or harder than you expected? What tips do you wish you’d known before making the move? [Merchant Account](https://blog.payjunction.com/topic/merchant-account) [E-Commerce](https://blog.payjunction.com/topic/e-commerce) [Integrated Payments](https://blog.payjunction.com/topic/integrated-payments) --- ##### [![How Credit Card Machine Leasing Companies Hurt Your Bottom Line](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/credit-card-terminal-leasing-unethical-billing.svg) How Credit Card Machine Leasing Companies Hurt Your Bottom Line](https://blog.payjunction.com/credit-card-terminal-leasing-unethical-billing) ##### [![Visa Requires Online Refunds](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/visa-online-refunds.svg) Visa Requires Online Refunds](https://blog.payjunction.com/visa-online-refunds) ###### About Author ![Picture of PayJunction Team](https://blog.payjunction.com/hs-fs/hubfs/PayJunction%20Logo%20Cropped%20-%20Vertical%20Grey.png?width=200&height=200&name=PayJunction%20Logo%20Cropped%20-%20Vertical%20Grey.png) ### PayJunction Team Content written by the PayJunction team encompasses broad business topics including marketing, brick-and-mortar business operations and management. ###### Related Posts ## [![eCommerce Merchant Account: 6 Key Tips for Choosing](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/ecommerce-merchant-account.svg) eCommerce Merchant Account: 6 Key Tips for Choosing Ecommerce presents exciting opportunities for business owners: to better meet the needs of existing customers, to tap into new markets and to grow the value of individual transactions over brick-and-mortar purchases.](https://blog.payjunction.com/ecommerce-merchant-account) ## [![How to Eliminate Your Payment Gateway Bill](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/payment-gateway-bill-e-commerce.svg) How to Eliminate Your Payment Gateway Bill Setting up your credit card processing can certainly be confusing. There are numerous middlemen involved and, depending on whether you sell your goods through a brick-and-mortar store or online, you might have to familiarize yourself with different setups.](https://blog.payjunction.com/payment-gateway-bill-e-commerce) ## [![ONTRAPORT Integrations: Affordable Payment Processing via PayJunction](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/ontraport-integrations-payjunction.svg) ONTRAPORT Integrations: Affordable Payment Processing via PayJunction As your business develops, it’s natural to add on an e-commerce component or a marketing team to grow your reach and brand awareness. Even as a curious business owner, you might be wondering who your ideal customer is, what your customer journey looks like and how interested buyers are finding your product or services. When your business reaches this apex, it’s wise to consider your options for marketing automation software.](https://blog.payjunction.com/ontraport-integrations-payjunction) ## Meet a Payment System You’ll Love - ###### FEATURES [No-code Payments Integration®](https://www.payjunction.com/payments/no-code-payments-integration.html) [ZeroTouch Terminal](https://www.payjunction.com/payments/smart-terminal.html) [Portable Terminal](https://www.payjunction.com/payments/portable-credit-card-reader-terminal.html) [Invoices](https://www.payjunction.com/payments/electronic-invoices.html) [ACH](https://www.payjunction.com/payments/ach-payments.html) [SmartSurcharge®](https://www.payjunction.com/payments/smart-surcharge.html) [Cards on File](https://www.payjunction.com/payments/store-credit-card-info.html) [Recurring Billing](https://www.payjunction.com/payments/recurring-payments.html) - [Ecommerce](https://www.payjunction.com/payments/ecommerce-merchant-services.html) [Customization](https://www.payjunction.com/payments/custom-payment-software.html) [Remote Signatures](https://www.payjunction.com/payments/signature-capture.html) [Rapid Refunds](https://www.payjunction.com/payments/credit-card-refund.html) [Multi-Location](https://www.payjunction.com/payments/enterprise-payments.html) [Sales Reports](https://www.payjunction.com/payments/sales-reports.html) [Search and Export](https://www.payjunction.com/payments/transaction-history-search.html) [Mobile App](https://itunes.apple.com/us/app/payjunction/id1324839420?ls=1&mt=8) - ###### BUSINESS SOLUTIONS [Auto Dealers](https://www2.payjunction.com/automotive-merchant-services) [Veterinary](https://www2.payjunction.com/payment-processing-veterinarians) [Dentistry](https://www2.payjunction.com/payment-processing-dentists) - ###### RESOURCES [Product Overview](https://www.payjunction.com/payments/payment-processing-solutions.html) [Integrations](https://integrations.payjunction.com/) [Blog](https://blog.payjunction.com/) [Guides](https://guides.payjunction.com/) [Support](https://support.payjunction.com/) [Service Status](https://status.payjunction.com/) [Tutorials](https://blog.payjunction.com/tag/pj-university/) [API](https://www.payjunction.com/payments/payment-api.html) - [Trust Center](https://trust.payjunction.com/) [Request a Demo](https://www2.payjunction.com/payjunction-demo) [Pricing](https://www.payjunction.com/payments/pricing.html) [About Us](https://www.payjunction.com/payments/about.html) [Careers *HIRING*](https://www2.payjunction.com/careers) [Press](https://media.payjunction.com/) - ###### RESOURCES [Integrations](https://integrations.payjunction.com/) [Guides](https://guides.payjunction.com/) [Tutorials](https://blog.payjunction.com/tag/pj-university/) [API](https://www.payjunction.com/payments/payment-api.html) [Request a Demo](https://www2.payjunction.com/payjunction-demo) [About Us](https://www.payjunction.com/payments/about.html) [Careers *HIRING*](https://www2.payjunction.com/careers) [Press](https://media.payjunction.com/) [Trust Center](https://trust.payjunction.com/) [Service Status](https://status.payjunction.com/) - ###### BUSINESS SOLUTIONS [Auto Dealers](https://www2.payjunction.com/automotive-merchant-services) [Veterinary](https://www2.payjunction.com/payment-processing-veterinarians) [Dentistry](https://www2.payjunction.com/payment-processing-dentists) ##### 800-601-0230 SIGN UP FOR OUR NEWSLETTER  Become a better advocate for your business. 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