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All about Payment Processing
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The payment process in which funds are transferred from the customers’ credit card into your bank account is a quick and easy process. And although everything is done automatically, it’s still important to know and understand how the process works in order to know what’s really going on behind the payment processing scene.

It all starts with the customer. After the customer clicks on the “Add to cart” button, they’re taken to the shopping cart entry page where the customer will enter in their credit card, billing and shipping information as well. Once they click on that last “Compete order” button, their credit card information is instantly sent via a Secure Socket Layer (SSL) to a payment gateway processor i.e.
The payment gateway processor is the middle man between your shopping cart software and the merchant account bank. And they will make sure that all of your customers’ credit card and billing information is correct. For without such, the credit card transaction will not go through. will also carry out a vigorous fraud detection process in order to ensure that fraudulent transactions do not occur. will then approve and authorize the transaction and then send the credit card transaction information to your merchant account provider through another Secure Socket Layer (SSL) connection.

Your merchant account bank will then send your customers’ credit card information to Master Card or Visa in order to commence the process of collecting the funds. will also send an email order confirmation message to the customer and to you, the merchant. And the entire process takes place almost instantly over a secured and encrypted connection.

If you’re dealing with a private merchant account bank, then your customers’ funds will be deposited into your personal or business bank account within 48 to 72 hours, (minus a small credit card transaction fee).

If you’re using PayPal as your payment solution provider then your customers’ funds will be deposited into your PayPal account immediately, (minus a small credit card transaction fee).

Then you can use those funds to purchase products or transfer those funds directly to your personal or business bank account. And a transfer from your PayPal account to your own bank account normally takes place within 48 hours.

When using Paypal, there is no third party gateway processor such as, which means less fees and quicker processing times. Instead PayPal approves, authorizes and processes the entire transaction, but does not automatically deposit those funds into your own bank account, (which you can do manually at any time of the day).

The payment process and the process of receiving payments are simple. And best of all, the entire process is done atomically and almost instantaneously, leaving you, the merchant, worry free.

All you have to do is make the sale and let the payment processor take care of the rest.
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Main Article Index Page
How to Succeed in Your Online Store Business
How to Start Your Online Store Business
How to Choose Your Niche Market
How to Create an Effective Business Name
Check for Domain Name Availability
How to Register Your Business Name
Should You Use a PO Box or Home Address
How to Choose the Right Business Entity for You
Sole Proprietorships Explained
Corporations Explained
Partnerships Explained
Limited Liability Companies Explained
Incorporate Your Business Online
How to Obtain Your Sales Tax License
The Best Selling Products Online (Intro)
1. Books
2. Computers, Computer Hardware
NEW:Start a Computer Reseller Business Online
3. Computer Software
4. Consumer Electronics
5. Apparel, Clothing
6. Toys/Video Games
7. Videos DVD’s
8. Health and Beauty
9. Music
10. Jewelry
11. Office Supplies
12. Linens/Home Décor
13. Flowers
14. Sporting Goods
15. Footwear, Shoes
16. Small Appliances
17. Tools and Garden
18. Gifts
About Distribution
Choosing the Right Distributors
How to Get Signed-Up With DropShip Distributors
Books Distributors, DropShippers, Wholesalers
Computers, Hardware, Software DropShippers
Apparel, Clothing Distributors, DropShippers
Toys/Video Games DropShippers, Wholesalers
Video DVD  DropShippers, Wholesalers
Health and Beauty Distributors, DropShippers
Consumer Electronics DropShippers
Music Distributors, DropShippers, Wholesalers
Jewelry Distributors, DropShippers, Wholesalers
Office Supply Distributors, DropShippers
Linens/Home Décor DropShippers, Wholesalers
Flowers Distributors, DropShippers, Wholesalers
Sporting Goods Distributors, DropShippers
Footwear, Shoes Distributors, DropShippers
Small Appliances DropShippers, Wholesalers
Tools and Garden DropShippers, Wholesalers
Gifts Distributors, DropShippers, Wholesalers
How to Find More DropShippers, Wholesalers
How to Open Your Online Store
How to Build Your Own Online Store
How to Build Effective Product WebPages
Building Your eStore with Website Templates
Designing, Planning and Organizing Your eStore
Implementing Graphic Elements
How to Create Your Own Company Logo
Create Search Engine Optimized Product Pages
How to Create a Content Rich Website
Choosing Your Web Host Provider
Create a Search Engine Optimized Domain Name
Check for Domain Name Availability
Top Web Building Software Programs
Top 10 Web Host Providers
Top 10 Complete eCommerce Solutions
Top Website Developers
All About Shopping Carts
All About Payment Processing
All About Merchant Accounts
Using PayPal as a Payment Processing Solution
More Merchant Account Providers
All Merchant Account Providers
Setting Your Prices
Setting Shipping Charges
Maintaining Your Online Store
Your Internet Marketing Master Plan
All about Search Engines
The Top Search Engines
Search Engine Optimization Guide Pt.1
Search Engine Optimization Guide Pt.2
All about Building and Exchanging Links
Purchasing Text Link Ads
All about Press Release Marketing
All about Pay-Per-Click Marketing
All about Discussion Forum Marketing
All about Article Marketing
All about Email Marketing
All about Banner Advertising
How Offering Free Shipping Can Boost Sales
All about 800 Toll Free Numbers
How to Beat the Competition
How to Run an Online Store Business
Dealing with Customers
How to Minimize Interaction with Customers
How to Deal with Customers via Email
How to Take and Place Orders
Paying for Products with Your Customers’ Money
How to Collect Sales Tax for Internet Sales
Avoiding Credit Card Fraud
How to Ship International and Overseas
How You Get Paid Each and Every Day
Dealing with Product Returns and Exchanges
Sample Return Policy and Procedures
Sample Privacy Policy
Sample Terms and Conditions Policy
Internet Business Resources
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