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eCommerce Merchant Systems Round-Up

Wish to learn more about payment processing and merchant accounts? Or are you new to eCommerce and looking for a way to accept payments on your website? We’ll try to offer a good introductory material for getting started in this area.

In fact shopping carts, merchant accounts, payment gateways, credit card processing can get pretty much confusing when you start looking into the various aspects of eCommerce. Any business that needs to accept payments on their website should carefully consider the right merchant system since the proper choice of a payment gateway is a vital element which will contribute to success or failure as an online business.

Generally speaking, a payment gateway is a separate service and acts as an intermediary between the merchants' shopping cart and all the financial networks involved with the transaction, including the customers' credit card issuer and your merchant account.

There are numerous different payments service providers systems available for online merchants. So, let's briefly recap the range of well-known eCommerce merchant systems that allow credit card processing. Our short descriptions include some of the major factors to consider when selecting a service.

1. PayPal


PayPal is an e-commerce business allowing payments and money transfers to be made through the Internet, being the faster, safer way to pay and get paid online. With more than 78 million active accounts around the world, PayPal enables global eCommerce.

The service allows members to send money without sharing financial information, with the flexibility to pay using their account balances, bank accounts, credit cards or promotional financing. PayPal performs payment processing for online vendors, auction sites, and other commercial users, for which it charges a fee. It sometimes also charges a transaction fee for receiving money.

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2. 2Checkout

2Checkout is an established payment gateways available and is used by hundreds of thousands of merchants worldwide. Being the authorized reseller for thousands of tangible or digital products and services, it helps merchants start selling online without any hassle, providing an integrated payment solution to help them handle the customer payments from start to finish.

2Checkout provides the crucial back-end features you need for a full-service solution. Its proprietary technology supports back-office functions including financial reporting, tracking, fraud prevention, affiliate tracking, customer service and sales tracking. Besides, 2CO provides you with a customizable transaction interface, multi-level customer service interaction and a satisfaction survey system.

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3. Authorize.Net


Authorize.Net is a widely used payment gateway service provider. It enables merchants to authorize, settle, and manage credit card and electronic check transactions via websites, retail stores, mail order/telephone order (MOTO) call centers and mobile devices.

Partnering with Authorize.Net goes far beyond integrating e-commerce payments. It is uniquely positioned to help you market your business and maximize revenue opportunities through their strategic partnership and affiliate reseller programs. Regardless of the business type, Authorize.Net merchants benefit by providing their customers with convenient, secure and reliable payment options without needing to invest in the ongoing development, support and legal compliance of a sophisticated in-house payment system.

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4. CCNow


CCNow is a secure online retailer that bridges the gap between shopping online and selling online. It is a part of the Digital River companies – a group of e-commerce and e-marketing experts.

CCNow company offers an e-commerce shopping cart, checkout, order tracking, invoicing, risk management, customer service and more – all through one integrated e-commerce solution. Integrated shopping-cart software runs in secure mode on your browser, using SSL to encrypt sensitive data such as your credit card numbers. CCNow accepts most major credit cards and PayPal payments. Best of all, you don't need a merchant account for credit card processing.

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5. is a good credit card processing company. It offers customers several inexpensive start-up options and an average discount rate for Internet-based businesses. If you are looking for a dependable credit card processing company with an average monthly fee (one of the lowest monthly costs), is the service for you. offers a merchant account, a payment gateway through, a virtual terminal and a shopping cart. processes your application in 2 days. This is one of the fastest turn-around times for an ISO (Independent Service Organization). For the guaranteed lowest price available, you can get your own user friendly credit card processing system.

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6. Digital River

Digital River

Digital River is well-known provider of global e-commerce solutions, builds and manages online businesses for software and game publishers, consumer electronics manufacturers, distributors, online retailers and affiliates. It is a trusted name in e-commerce and web-based technology since thousands of companies – from the largest brands to the most motivated web entrepreneurs – rely on Digital River to manage and grow their online businesses.

The company’s platform offers site development and hosting, order management, fraud prevention, export controls, tax management, physical and digital product fulfillment, multi-lingual customer service, advanced reporting, and strategic marketing services. Its multi-channel e-commerce solution, which supports both direct and indirect sales, is designed to help companies of all sizes maximize online revenues as well as reduce the costs and risks of running an e-commerce operation.

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7. InternetCash


InternetCash is a technology holding company and an e-commerce consumer payment and transaction infrastructure for the Internet. InternetCash has become the secure and private credit card alternative available for shopping online, having enabled cards to operate as pre-paid stored value cards.

InternetCash is offering secure Internet currency in the world and, unique among all payment companies, it has built a new Internet Payment Network offering digital signatures and PIN-protected transactions. No personal consumer information is required, and no account information is maintained once the card is used. This makes the InternetCash platform the fastest, simplest and most private method for purchasing items online.

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8. E-onlinedata


E-onlinedata is a trusted merchant account provider for US based companies. The company offers a complete line of real time credit card processing solutions for internet, mail order and auction sellers. Their thousands of merchants vary in size from startups to billion-dollar companies.

E-onlinedata will help your business streamline the checkout process for your buyers. It offers high quality processing services at Visa/MasterCard Rates guaranteed not to increase. Besides, it specializes in processing transactions for thousands of eBay and Overstock Sellers. E-onlinedata company assists PowerSellers to transition to full merchant accounts using proven and cost effective technologies.

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9. MerchantEquip


Merchant Equipment Store is a full featured payment gateway enabling businesses to accept credit cards on their websites. Because of quality merchant account services, Merchant Equipment Store has grown into one of the largest merchant equipment and service providers. With Merchant Equipment Store, you won’t find any startup or hidden fees on merchant account set-ups.

An internet Merchant Account allows a low cost way to seamlessly add credit card acceptance to your website, or you can take orders over the phone and through the mail by using the virtual terminal. It ensures cost-effective credit card payment services for virtually any type and size of business. Besides, most shopping carts can be integrated with The Merchant Store gateway, and these carts and software already have pre-made modules for them.

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10. PayQuake


PayQuake is a dynamic merchant account solution that can help effectively process payments. PayQuake has thousands of independent resellers and partners, plus it is a also a member of the Electronic Transaction Association. PayQuake’s benefits include live customer service, protection from consumer fraud and FDIC insurance. Plus PayQuake maintains one of the highest and fastest merchant approval rates in the industry.

PayQuake is a unique merchant account specifically designed to have three different cost structures or plans. Depending on the size of your business, you can decide on which plan is best for you. The idea is that the merchant is in control over personal merchant account, and may switch plans at any time. This exclusive patent pending technology is called Dynamic Merchant Pricing.

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11. ProPay


ProPay provides an e-commerce payment system service to the small, home-based entrepreneur to multi-billion-dollar enterprises. It is one of the select few payment solutions authorized for use on the online auction site eBay.

ProPay provides simple, safe and affordable credit card processing and electronic payment services. With ProPay system, merchants can set up accounts online and begin accepting credit cards without buying special equipment or making long-term commitments or investments. ProPay also provides a suite of end-to-end, enterprise payment solutions. These services allow enterprises to pay commissions, split payments between multiple parties, and avoid touching cardholder data thereby reducing or eliminating a company’s PCI DSS scope. The company also develops secure solutions for protecting sensitive data and of alternative payment options that significantly reduce business costs.

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12. ClickBank


ClickBank is a secure online retail outlet and a payment processor of the highest order. It is basically a payment gateway and merchant account rolled into one and operated by the same company. ClickBank also offers affiliate program features at no extra cost, plus it provides recurring billing services for subscription and premium membership services. The exposure to the huge network of affiliate marketers is one of the greatest benefits of ClickBank.

ClickBank makes a sale somewhere in the world every three seconds, safely processing more than 26,000 digital transactions a day. They serve more than 200 countries, and are consistently ranked as one of the most highly-trafficked sites on the web.

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13. RBS WorldPay

RBS WorldPay

RBS WorldPay is an established and globally operating payments service providers. Currently, it processes millions of payments every day for every type of business, securely and quickly. RBS has led the payment solutions field, launching the first online shop offering secure transactions, as well as pioneering multi-currency services for global customers.

The launch of RBS WorldPay opens up a new and exciting future for global payments transactions in the area of retail. WorldPay offers retailers an extensive range of payment processing solutions across face-to-face, online, telephone and mail order platforms servicing all sizes and sectors of business. The customers can accept every major card – as well as bank transfers, direct debits and a wide range of local cards.

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Again, take deep gander at the list of eCommerce merchant systems to make absolutely sure that this or that particular payments service provider is appropriate for your online activity (in case you're looking for this sort of info). It is actually an important issue to be aware of!

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