--- title: How to Streamline Your Online Payment Services description: Learn how to best manage your online payment services with our tips for working with fewer providers and cutting down on costs. image: https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/online-payment-services.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) # How to Streamline Your Online Payment Services ![How to Streamline Your Online Payment Services](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/online-payment-services.svg) [![Picture of Christina Lavingia](https://blog.payjunction.com/hs-fs/hubfs/Christina%20Lavingia%2c%20Content%20Marketing%20Manager.jpg?width=48&height=48&name=Christina%20Lavingia%2c%20Content%20Marketing%20Manager.jpg) Christina Lavingia](https://blog.payjunction.com/author/christina-lavingia) 7/9/2019 Who doesn’t like doing more with fewer tools? If you run a business that started with a retail presence and has since moved online, you could face a [host of providers](https://blog.payjunction.com/credit-card-processing-middlemen/) that tackle different facets of your payment processing needs. While you may like each one for a valid reason, juggling so many providers and bills can open your business up to frustration and confusion. Here are three surefire tips for consolidating your online payment services and in-person payment providers for an easy set of partners to manage. ## Eliminate Your Payment Gateway Bill Unfortunately, it’s impossible to accept online payments without a [Payment Gateway](https://blog.payjunction.com/payment-gateway-definition/). This payment provider makes it possible for you to collect payment on [e-commerce transactions](https://blog.payjunction.com/online-store-3d-cart/) by connecting your virtual cart to the processor for payment. Similarly, you also need a [merchant account](https://blog.payjunction.com/merchant-account/) no matter your method of accepting credit card transactions. Luckily, you can [combine these online payment services](https://blog.payjunction.com/payment-gateway-bill-e-commerce/). By opting for an all-in-one Merchant Service Provider and Payment Gateway you can do the following: - Consolidate your monthly bills - Streamline your support - Understand your effective processing rate - Save money in service fees charged by stand-alone providers If your business is mature enough to exist online and in-store, do yourself a favor by graduating to a provider with [cost-effective rate plans](https://blog.payjunction.com/interchange-plus-pricing-flat/) that help your business keep more of its hard-earned money. ## 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 ## Opt for a Shopping Cart Over Custom Build It can be easy to assume that you have to do things for yourself. This can lead to paying a lot of money to outsourced developers for a custom-built online store or checkout cart for your website. The reality is that this can be done far more cheaply, more securely and with more robust support when you opt for [hosted checkout](https://blog.payjunction.com/hosted-checkout-payjunction/) or a shopping cart. Hosted checkout may be offered by your gateway provider. This method requires you to generate a checkout button, place the code on your website and let your provider handle the payment. With this method, you can put security into the hands of your provider because it manages the transaction for you. Note: Having a secure provider — preferrably a PCI Level 1 provider — makes all the difference if you begin accepting online transactions. After all, online transactions bear the highest risk of fraud, and you don’t want to be on the hook for a data breach and lose customers because they’ve lost trust in your business. Another option, if you need more, is a shopping cart. There are tons of these intuitive online payment services that make e-commerce incredibly easy. Shopping carts like Ecwid, [3dcart](https://blog.payjunction.com/3dcart-updated-features/) and [CS-Cart](https://blog.payjunction.com/cs-cart-payjunction/) offer functionality you may not even be considering that can greatly impact your business for the better. This includes product management, conversion-optimized themes, image and web hosting, security monitoring, and more. Each shopping cart is integrated with different gateway providers. Our advice is to start with an all-in-one provider, then look to see which shopping carts it integrates with. Select one you prefer and then take the last step to streamline. ## Combine In-Store and Online Payment Services Maybe you have a standalone Merchant Service Provider and now want to add a Payment Gateway to your business. If you’re not in a contract or have grievances with your current merchant provider, consider switching to an all-in-one service that can provide you with in-person and online payment services under one roof. This will streamline what could be three providers (one Merchant Account Provider for your e-commerce transactions, another for in-store, along with a Payment Gateway) down to one. ## Looking for an all-in-one service with shopping cart options? ## [![LEARN MORE ABOUT PAYJUNCTION](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/635739/a266982f-aade-4abf-b7c7-f85a5b19632b.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/635739/a266982f-aade-4abf-b7c7-f85a5b19632b) So easy to use! Love the security and features like easy address search, re-charge, customer name search, and reports! Great format and design and so easy to navigate! Aayer May 1, 2018 ![](https://blog.payjunction.com/hubfs/CLIENTS%20LOGOS/trustpilot-logo.png) PayJunction has made our credit card processing and deposits easier than ever! Cyndi L. January 17, 2018 ![](https://blog.payjunction.com/hubfs/CLIENTS%20LOGOS/capterra-logo.png) PayJunction is a great asset to our office! Easy to use and amazing customer service! We have not been disappointed! Mrs. Office Mgr May 2, 2018 ![](https://blog.payjunction.com/hubfs/CLIENTS%20LOGOS/trustpilot-logo.png) A hidden gem! PayJunction may not be the biggest payment processor, but they have some amazing features and an excellent support team. Jason H. July 19, 2018 ![](https://blog.payjunction.com/hubfs/CLIENTS%20LOGOS/g2crowd-logo.png) I love, love, love using PayJunction they truly are 5 star across the board. Anna H. February 26, 2018 ![](https://blog.payjunction.com/hubfs/CLIENTS%20LOGOS/capterra-logo.png) I have used your services since your company just started and I am happy with everything. Thank you for making my job easy. Your technical department is always available to assist, if ever needed. Faith May 1, 2018 ![](https://blog.payjunction.com/hubfs/CLIENTS%20LOGOS/trustpilot-logo.png) How many providers are you currently juggling? Do you need help simplifying other aspects of your business’s payments? We’d love to hear from you. *Editor's Note: This post was originally published in July 2018 and has been updated for comprehensiveness and accuracy.* [Merchant Account](https://blog.payjunction.com/topic/merchant-account) [E-Commerce](https://blog.payjunction.com/topic/e-commerce) --- ##### [![The Challenge In Obtaining a Working Credit Card Chip Reader](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/emv-compliance-year-later.svg) The Challenge In Obtaining a Working Credit Card Chip Reader](https://blog.payjunction.com/emv-compliance-year-later) ##### [![4 Must Do's To Expand Your Medical Practice Into E-Commerce](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/medical-practice-e-commerce-1.svg) 4 Must Do's To Expand Your Medical Practice Into E-Commerce](https://blog.payjunction.com/medical-practice-e-commerce) ###### About Author ![Picture of Christina Lavingia](https://blog.payjunction.com/hs-fs/hubfs/Christina%20Lavingia%2c%20Content%20Marketing%20Manager.jpg?width=200&height=200&name=Christina%20Lavingia%2c%20Content%20Marketing%20Manager.jpg) ### Christina Lavingia Christina Lavingia delights in crafting content that helps business owners fight fraud, reduce risk and process payments with ease. ###### Related Posts ## [![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) ## [![How to Select the Best Payment Gateway](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/best-payment-gateway.svg) How to Select the Best Payment Gateway If you’re operating an e-commerce store, either on its own or as an extension of your brick-and-mortar operations, you’re probably wondering what a Payment Gateway is. You might be confused or frustrated to find that there is yet another payment provider you need to facilitate your transactions.](https://blog.payjunction.com/best-payment-gateway) ## [![Foodeaze and PayJunction Offer Online Payment Processing for New York Restaurants](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/foodeaze-payjunction-integration.svg) Foodeaze and PayJunction Offer Online Payment Processing for New York Restaurants Starting a business isn’t easy, and restaurants are no exception. It’s one thing to hire talented staff, design a delicious menu that fits your local market and customer preferences, and spruce up a retail location. It’s another, though, to then scale your business with multiple locations, delivery options and an online presence.](https://blog.payjunction.com/foodeaze-payjunction-integration) ## 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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