--- title: What Is Online Credit Card Processing? description: Learn about the services and providers you need to be successful in your online credit card processing. image: https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/online-credit-card-processing.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. Get time back and spend it with furry patients.](https://www2.payjunction.com/payment-processing-veterinarians) - [Dental Simplify patient payments with multiple means of collection at your dental practice. Meet patient expectations and elevate the payment experience.](https://www2.payjunction.com/payment-processing-dentists) - [Auto Dealer Manage dealership payments by department, brand and location. Get automated reports for simplified end-of-day close and save on processing fees.](https://www2.payjunction.com/automotive-merchant-services) Developers - [API Documentation See how to embed omnichannel payment features into your software, using your choice of our intuitive integration methods.](https://developer.payjunction.com/) - [Developer Experience Explore the developer journey and learn how our full-service partnership model helps you maximize merchant payment adoption rates.](https://www.payjunction.com/payments/payment-api.html) - [No-code Payments Integration® Rapidly integrate payment acceptance features into any SaaS application in minutes using our easy-to-use Chrome browser extension.](https://www.payjunction.com/payments/no-code-payments-integration.html) - [Integration Marketplace Check out our growing marketplace of integrated solution partners that streamline payment acceptance and help businesses automate and scale.](https://integrations.payjunction.com/) [Pricing](https://www.payjunction.com/payments/pricing.html) Resources - [About Us Learn how our people-first culture at PayJunction helps us earn widespread recognition and awards.](https://www.payjunction.com/payments/about.html) - [Careers Join us in our pursuit to deliver exceptional experiences to customers and partners.](https://www2.payjunction.com/careers) - [Support Get helpful information about how to use features, troubleshoot problems and contact us.](https://support.payjunction.com/) - [Blog Gain useful insights into payment industry trends and PayJunction solutions.](https://blog.payjunction.com/) - [Guides Up your payment processing knowledge with our in-depth eBooks and White Papers.](https://guides.payjunction.com/) - [Tutorials Read articles and watch videos about how to use valuable features on the PayJunction platform.](https://blog.payjunction.com/topic/pj-university) # What Is Online Credit Card Processing? ![What Is Online Credit Card Processing?](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/online-credit-card-processing.svg) [![Picture of Ursula Librizzi](https://blog.payjunction.com/hs-fs/hubfs/Ursula_Librizzi.jpg?width=48&height=48&name=Ursula_Librizzi.jpg) Ursula Librizzi](https://blog.payjunction.com/author/ursula-librizzi) 5/20/2019 Online credit card processing refers to card-not-present payments that are completed on an e-commerce website via a [Payment Gateway](https://blog.payjunction.com/payment-gateway-definition/). The gateway is either provided by or integrated with a Merchant Service Provider. To be successful in online [credit card processing](https://blog.payjunction.com/credit-card-processing-diagram), there are certain services and tools that are required, while others are nice to have. Learn about the providers involved, requirements and how you can simplify back-end e-commerce operations. ## Payment Processing Demo Schedule 15 minutes with a payments expert Get a customized PayJunction product walk-through Understand requirements and pricing Determine your SAVINGS! GET DEMO NOW ## Online Credit Card Processing Setup Before you can start online credit card processing, you need to set up the following: - **Website Hosting**: The technology and services needed for your website to be viewed on the internet are provided by this service. Typically, you will need to purchase a domain name while the web hosting provider will store your website on its server. You can also host your own website entirely on your own, but this usually requires hiring full-time web developers and designers to maintain it. - **Shopping Cart**: This [software](https://blog.payjunction.com/choosing-shopping-cart-software/) provides the tools to host products on your website. Some shopping cart software can double as inventory management tools. - **Merchant Account**: A [merchant account](https://blog.payjunction.com/merchant-account/) is required for your business to accept credit and debit card payments. A proper account is provided by a Merchant Service Provider. - **Payment Gateway**: To facilitate online credit card processing, a gateway is required to pass the transaction information from the website to the Merchant Service Provider. Your Payment Gateway is the technical glue that connects the point of sale to the payment network. It works silently in the background, processing information and providing a response to the card-not-present payment. As you’ve just learned, the gateway is one of many service providers needed to complete your online credit card processing, but there’s a simple way to consolidate these providers to make your back-end operations easier while you set up your business for future growth. ## Consolidate Online Credit Card Processing Providers The first step to [streamlining your online credit card processing providers](https://blog.payjunction.com/online-payment-services/) is to integrate them. Finding integrated providers should be relatively easy, as there is a large pool to choose from. The hard part is finding the right ones that fit your business needs and offer fair billing. Integrating the right providers for your business early on means setting it up for success in the future. For example, opting for a shopping cart software that integrates with a Merchant Service Provider that can accommodate both an e-commerce and brick-and-mortar business gives you the option to branch out and open a physical retail location after a few years of successful e-commerce operations. Another means of streamlining your providers is by finding all-in-one options. Is there a single provider that can host your website, provide a shopping cart, manage your merchant account and facilitate payments with a gateway? No, but there are providers that encompass multiple services that are needed for e-commerce online credit card processing. Opting for an all-in-one Merchant Service and Payment Gateway provider allows you to [consolidate bills](https://blog.payjunction.com/payment-gateway-bill-e-commerce/), streamline support and save money. You’ve learned the foundation of online credit card processing, now it’s time to start your search for providers. ## Learn what to look for in Payment Gateway providers. [![READ ON](https://no-cache.hubspot.com/cta/default/635739/12593536-2dda-4b35-bf00-2ed021d1e59e.png)](https://cta-redirect.hubspot.com/cta/redirect/635739/12593536-2dda-4b35-bf00-2ed021d1e59e) I’ve never come across such a black and white situation in terms of efficiency and convenience compared to what I had before. Dr. Duncan Turner May 12 2018 ![](https://blog.payjunction.com/hubfs/CLIENTS%20LOGOS/capterra-logo.png) I’ve never come across such a black and white situation in terms of efficiency and convenience compared to what I had before. Dr. Duncan Turner May 12 2018 ![](https://blog.payjunction.com/hubfs/CLIENTS%20LOGOS/trustpilot-logo.png) I’ve never come across such a black and white situation in terms of efficiency and convenience compared to what I had before. Dr. Duncan Turner May 12 2018 ![](https://blog.payjunction.com/hubfs/CLIENTS%20LOGOS/g2crowd-logo.png) Be sure to tell us about your search for providers in the comments section below. We’d love to lend you our perspective on any hesitations or concerns you might have. *Editor's Note: This post was originally published in December 2018 and has been updated for comprehensiveness and accuracy.* [E-Commerce](https://blog.payjunction.com/topic/e-commerce) [Questions and Answers](https://blog.payjunction.com/topic/questions-and-answers) --- ##### [![The Payment Gateway Process: 2 Hidden Truths \[and 1 Myth\]](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/payment-gateway-process.svg) The Payment Gateway Process: 2 Hidden Truths \[and 1 Myth\]](https://blog.payjunction.com/payment-gateway-process) ##### [![7 Critical Security Practices for E-Commerce Sites in 2019](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/e-commerce-security-practices.svg) 7 Critical Security Practices for E-Commerce Sites in 2019](https://blog.payjunction.com/e-commerce-security-practices) ###### About Author ![Picture of Ursula Librizzi](https://blog.payjunction.com/hs-fs/hubfs/Ursula_Librizzi.jpg?width=200&height=200&name=Ursula_Librizzi.jpg) ### Ursula Librizzi Ursula is the sales and marketing operations manager for PayJunction. She oversees daily marketing tasks and liaises between the sales and marketing departments. ###### Related Posts ## [![Credit Card Processors vs. Merchant Service Providers](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/credit-card-processors.svg) Credit Card Processors vs. Merchant Service Providers It’s very likely you looked at the title of this post and thought, “Those are different?” The general public uses these terms interchangeably, and without extensive knowledge of the payments industry, it makes sense to do so.](https://blog.payjunction.com/credit-card-processors) ## [![Payment Gateway Providers: What to Look for When Comparing](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/payment-gateway-providers.svg) Payment Gateway Providers: What to Look for When Comparing If you operate an online store, you must have a Payment Gateway. A Payment Gateway enables the processing of card-not-present transactions online. It is one of the many payment providers you’ll use to accept credit cards.](https://blog.payjunction.com/payment-gateway-providers) ## [![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) ## 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. Get Email Updates GO Thank you for subscribing! PayJunction is a Level 1 PCI Compliant Provider. PayJunction is a registered ISO of PNC Bank, N.A., Pittsburgh, PA. © 2026 PayJunction. All rights reserved. [Privacy Policy](https://support.payjunction.com/hc/en-us/articles/211053648) and [Terms of Use](https://support.payjunction.com/hc/en-us/articles/211053628). ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Ursula Librizzi" }, "dateModified" : "2023-03-13", "datePublished" : "2019-05-20", "description" : "Learn about the services and providers you need to be successful in your online credit card processing.", "headline" : "What Is Online Credit Card Processing?", "image" : { "@type" : "ImageObject", "url" : "https://cdn2.hubspot.net/hubfs/635739/BLOG/FEATURED%20IMAGES/online-credit-card-processing.svg" }, "mainEntityOfPage" : "https://blog.payjunction.com/online-credit-card-processing", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://cdn2.hubspot.net/hubfs/635739/logo-400px.png" }, "name" : "PayJunction" } } ```