Payment Processing

Accept and process online store payments in real-time using Credit Cards, eChecks, PayPal, Google Checkout, Amazon Checkout and Gift Certificates. Accept offline payments like Store Credit, COD, Purchase Orders, mailed checks and more.

Real-Time Credit Card Processing

Use any of the dozens of approved payment gateways to process credit card payments in real-time. If you do not have a merchant account or payment gateway, AmeriCommerce can assist you in obtaining one or you can fast track this through AmeriCommerce Merchant Services.

AmeriCommerce Merchant Services

Use our turnkey credit card processing solution. It is seamlessly integrated into your AmeriCommerce shopping cart software which makes it very easy to use. Safe, easy, and secure. No Monthly Minimum, Only 1.98% Transaction Fee.

Custom Payments Methods

Process credit cards manually offline, or within your accounting system. Offer custom payment methods such as mailed checks, store credit, COD, purchase order and more.

Gift Certificates

Use the tools within AmeriCommerce to build, sell and redeem Gift Certificates on your web site! Gift Certificates can be auto-generated either one at a time or in batches for valued customers or promotional campaigns.

Split Payments

At checkout, customers can use multiple payment methods to complete the order. For example, the customer could redeem a gift certificate, then use one or more credit cards for partial payment, and even apply customer rewards points to the balance if available.

Pay with Loyalty Rewards Points

Using the AmeriCommerce rewards system to reward purchases with points, you can allow points to be redeemed as methods of payment. This is optional, but a great sales tool. All points used as a method of payment are deducted from the customers available points.

Google Checkout & Google Wallet

Google Checkout allows merchants to process sales via shoppers with a Google Wallet Account. Google Wallet makes online shopping easy by providing a single login for purchases across the web.Google Wallet accepts major credit and debit cards, including VISA, MasterCard, American Express, and Discover.AmeriCommerce has full support for Google Checkout. When shoppers browse your site, Google Wallet's streamlined checkout process helps lower cart abandonment and persuade even casual shoppers to buy. If shoppers have used Google Wallet in the past, they can simply enter their Google Wallet login email and password to complete purchases from you without having to reenter payment and shipping information each time.

Checkout by Amazon

Enable Amazon customers to checkout from your site using their Amazon.com account. This payment method allows customers to complete purchases quickly and conveniently, without ever leaving your website or having to re-enter shipping an payment information. When you use Checkout by Amazon, customers will be presented with a screen allowing them to select either the standard checkout process, or Checkout by Amazon. AmeriCommerce has full support for Checkout by Amazon.

Supported Payment Gateways

Authorize.Net
3 Delta Systems
ACH Payments
Bank of America
Cyber Source
ECHOnline
eProcessing
FirstData / CardService International
Innovative Gateway
iTransact RediCharge HTML
LinkPoint
Merchant Partners
Merchant e-Solutions
Network Merchants
Paymentech Orbital (Salem / Tampa)
PayPal PayFlow Pro
PayPay Website Payments Pro
Plug 'n Pay
PSIGate XML Interface
RTWare
SkipJack
USA ePay
YourPay
...Many more

More Information

It's important to establish payment options. We recommend you setup your own merchant services (payment processor) because:

Customers like to purchase from companies using a credit card rather than using alternative payment methods.
You have full control over your own money - All sales are deposited directly into the checking account of your choice. You won't have to transfer money from one account to another.
Ability to manage fraud - Protect your business and your assets using our advanced fraud tools.
Receive money quickly - Funds are automatically deposited directly into the checking account of your choice.

If you need your own merchant services, learn more here.

Example Transaction Scenario (Understanding the actual process):

A customer places an order on your store.
You AmeriCommerce store instantly connects with your payment gateway over an encrypted SSL connection, providing your account information and the customer information.
The payment gateway sends this information to your shopping cart merchant account.
Your merchant bank contacts the credit card issuer bank for your customer and gets authorization for the amount of the order, while verifying address and other information.
Your merchant bank returns a response to the payment gateway, which returns a response to your AmeriCommerce store, which will either mark the orders payment as approved or declined.
At the end of each day, the payment gateway processes all payments automatically to deposit the funds into your merchant account.

Frequently Asked Questions

Do I need something beside PayPal to get started?

A: Not necessarily, but their are other advantages with with merchant services and their fee structures and capabilities.

Q: Can I use multiple payment methods?

A: Yes. AmeriCommerce supports multiple payment methods. It is not uncommon to have a merchant services, PayPal, and Google or Amazon checkout options. This helps your customers have options for their preferred method of checking out of your store and increase sales.