Payment-processors

Choosing an e-commerce shopping cart is a crucial decision, with payment processor compatibility being paramount. Merchants should consider hosted carts for ease of use or non-hosted options like open-source or paid carts based on their technical skills and budget. Factors like customer support responsiveness and server technology requirements are also important for long-term satisfaction and smooth operation.

Businesses can significantly reduce payment processing costs by accepting checks or ACH payments instead of relying solely on credit cards. Credit card fees include percentage-based charges and per-transaction fees, unlike ACH which primarily involves a small per-transaction fee. Switching to ACH, especially with a merchant account, can lead to substantial savings, particularly for larger transactions, compared to credit cards or using third-party processors with higher fees.