eCommerce Payment Gateway

Tech Support Merchant Account

eCommerce Payment Gateway is an incredible choice for an eCommerce store

When establishing an online store, one of the first things you have to trade with is how payment processing will function in your eCommerce store.

You initiate thinking about which payment methods to receive, how will you accept the funds, if you will have to acquire a local payment service provider, and so on.

And let's encounter it, online transactions are an actually essential segment of any buyer's shopping experience. Keeping this in mind, your eCommerce payment gateway in Netherlands must be in support of your marketing technique, and must certainly not be managed as a secondary measure.

However, that's because even though the eCommerce industry expands rapidly per year. But there are still some people who don't have faith in online shopping. One of the primary causes for that is the anxiety of losing funds in fraudulent functions. See the significance of having a reliable payment strategy?

We get those online payments can be a bit disorganized and need a substantial amount of technical detail to incorporate, but comprehending how the entire payment process functions are important if you want to be more emphatic and make the savviest payment judgments for your eCommerce store.

In this blog, you will comprehend the basics of payment processing for eCommerce businesses. So, let's start discussing the payment processing. Don't be confused and take it easy, we'll explain it completely.

How do eCommerce payments work?

There's a lot moving on from the point a buyer clicks to purchase a product on your eCommerce website to the last step of accepting the funds into your bank account.

When you deal online, you will require technology, a payment gateway, that connects your eCommerce store's website to the financial organization that will provide you the funds from your buyer. That tends us to:


Primary parts in Online Payment Processing

In online payment processing, the procedure takes place under the liability of a payment processor, which is a third-party company that manages online payments between a merchant (a business) and a buyer. To keep it easy, eCommerce payment gateways enable funds to be

From all that, we have these primary players in every online payment processing: transferred from the buyer to the merchant via a protected platform.

  • the buyer or customer
  • the merchant;
  • the payment service provider and eCommerce payment gateway;
  • the buyer's bank;
  • the business' bank.

It proceeds something like these steps:

  • The buyer steers through your eCommerce website, finds the product, and clicks to purchase it.
  • The customer decides which payment method he would like to prefer to pay for the product or service.
  • Relying on the selection, your eCommerce payment gateway will gather the customer payment details and assure them.
  • The payment processor will redeem the funds and transfer them to a merchant account
  • Your buyer receives the product and you accept the funds on the settlement date you confirmed with your payment processor

Yet, for this complete procedure to occur in your eCommerce store, you will require to follow some steps first.

Getting Suitable eCommerce Merchant Services

If you are going to deal online, you will require a high-risk merchant account, which refers to an account that keeps the funds gathered from your buyers before the payment processor transfer them to your desired bank account.

You can get it either by applying one in a bank or by opting for a payment processor that delivers you both the account and the merchant services, a complete payment solution that, among different things, comprises: accepting transaction approval with credit card organizations, gathering funds from the buyer's bank or other financial organizations, and transferring you the payment.

If you don't have a merchant account provided by banks yet and prefer for employing a payment service provider company. Then they will customize one for you and deliver an eCommerce international payment gateway to your eCommerce website.

If in any circumstances, you are still thinking about whether to get an account from a bank or go straight to a payment service provider. So, here are some benefits of opting for an eCommerce payment gateway:

  • You will have it as a complete payment solution and only have to function with one payment partner.
  • Moreover, you won't have to be confused about approving credit cards;
  • You won't be alone when conflicts occur. The payment processor will face on your behalf;
  • They can deliver you Customer Service so you don't have to function with any payment issues that may happen;
  • Fees can be manageable.

Choosing the Correct Website eCommerce Payment Platform

Trading online needs more than just having an eCommerce payment gateway receiving funds from buyers and sharing them to your merchant account and then to your bank account.

Your eCommerce store to be completely optimized for online shopping, enabling buyers to scroll, choose products or services, and purchase them. And for that, you require an eCommerce store or shopping platform that can be incorporated with an eCommerce payment gateway to allow eCommerce payments online.

So, if you're initiating from scrape or searching for changing your payment platform to one that delivers integration of eCommerce payment gateway with a payment processor. So, have a look at Shopify, WooCommerce, and Magento, these top eCommerce payment platforms sustain various eCommerce payment gateways and processors.

Acquiring the Right eCommerce Payment Gateway Provider

As we can see, payment service providers are organizations that allow online businesses to take online payments by delivering a link to the financial organization. But, these payment processors also conduct many other services.

Payment service providers assure the reliability of credit card payments preferring anti-fraud features and following criteria made by credit card networks to approve payments. Moreover, they resist chargebacks and conflicts for you (which occurs when a buyer declares he didn't make a buy and wants the funds back) and usually deliver you the best customer support.

If you are selecting the right payment processor for your eCommerce business, then you have to ask yourself:

  • Will you deal locally or internationally?
  • What countries are you seeking to access?
  • What is your average transaction volume rate?
  • Will you require recurring transactions?
  • Do you require a checkout page?
  • Do you deliver customized services?

Responding to these queries will help you strike off many payment service providers that don't suit your business structure from the list. Resuming your research by presenting the following questions:

  • Which security requirements does your eCommerce business have?
  • Can they incorporate with your eCommerce website platform?
  • How rapid is the setup?
  • How quickly do they make funds available?
  • What is the average payment processing time period?
  • Do they deliver 24*7 customer support?
  • What is the pricing structure?
  • Do they provide extra advantages?
  • Do they have any anti-fraud features?

What Are the Fees for Your eCommerce payment gateway?

Regarding that last thing, there are many choices for payment processing prices in the market. So you will have to drive complete research. Yet, be familiar that they are many confidential fees, or “interchange fees” that are not detailed in the main pricing structure.

These are the most common fees structures for eCommerce payment processing:

  1. Start-up/annual fee
  2. Monthly statement fee
  3. Refund fee
  4. Transaction fee (basically a fixed fee + a percentual one)
  5. Chargeback fee
  6. Settlement fee (how much you pay to transmit the funds from the merchant account to your standard bank account)
  7. Expectation fee (if you like to accept the funds before the set credit card deadline)
  8. Termination fees
  9. Rolling reserve (if you are functioning in a high-risk business. Then payment processors may request a prior assurance)

However, each payment service provider has its own criteria when it arrives at the pricing structure. Here at WebPays, for example, we don't assess an annual or monthly price, with the merchant spending only for the online payments that are conducted, the lowest monthly or termination costs.

Opt for payment service providers that deliver navigable costs according to how much you process payments monthly instead of one that delivers a one-size-fits-all payment solution. This will assist you to get the best sale that satisfies your storage requirements.

That stated, pricing alone should not be the primary measure for choosing the payment service. Also consider other factors of their payment service such as conducting funds available fast, batch processing duration, and customer service.

Which Payment Methods Do You Need to Accept By Your eCommerce Payment Gateway?

Your business objectives will specify which payment methods you should take. As a basic law, credit and debit cards are the most prevalent choice for any eCommerce store. Yet, as we said at the starting of the blog, your payment procedure must be very well-thought and evaluate all aspects of the market you're dealing with.

For example, if you prefer to grow internationally, you will most probably require to deliver local payment methods and explore a local partner to receive domestic cards. If you're dealing with digital products or services, an eWallet is an important method to deliver. That's why comprehensive research of buyer practices is needed for you to be capable to access the prevalence of the market.

So, let's go through each of the primary payment methods present in the market:

Credit and Debit Cards

You can't skip credit card payment methods. Because they are the most preferred payment method in an eCommerce business. The confirmation and processing parts are managed completely by the eCommerce payment gateway. However, which stays in touch with the card issuing banks to approve online transactions, encrypts credit card details, and trades with security issues, controlling and fighting scams.

Credit Card Networks

There are various credit card networks and what will specify which of them your eCommerce store will receive is the payment processor you select. Usually, Visa and Mastercard are the most taken, obeyed distantly by American Express.

Before finalizing the deal with a payment gateway provider. You will need to research which cards are received to verify if they line up with your method.


An eWallet is the payment method that expands the most across the world. According to Financial Research, global eWallet payments were adored at more than U$756 billion in 2018 and are predicted to get more than U$3.56 trillion by 2023.

As the name sounds, it functions like a digital form of a regular wallet. However, where buyers can securely register their credit cards online and pay for their buys with a single click.

More and more eCommerce sector is delivering this mode of payment. Especially because of its easy and quick integration and real-time approval.

Banking Transfers

Banking transfer is a common method among buyers who don't acquire a credit card or don't feel safe giving credit card details when online shopping. According to The Fintech Times Research, the international transactional ratio of bank transfers in 2020 was U$710 billion. By 2026, the volume predicts to expand and arrive at U$932 billion.

However, online bank transfers are a suitable option for most merchants because:

  • Online approval is instantaneous;
  • Settlement usually happens the very next day;
  • Transactions are completely safe and secure;
  • There is no chance of chargebacks.

Paying in Cash

If you are considering going global with your eCommerce business. Then you will need to regard delivering your customer's cash payments choices as well. Appearing countries usually calculate with low double-edged stages and low credit card perforation.

This sort of method functions in a very simple manner and has a benefit in the fact that there are no chargeback or fraud risks at all.

It functions like this:

  1. The merchant's preferred eCommerce payment gateway produces a printable coupon with a barcode that can be saved or forwarded by email
  2. The consumer goes to a companion store near him to conduct the payment by using cash
  3. Within 3 days, the eCommerce payment gateway fetches the payment assurance and the funds are transmitted to the merchant account.


As we can see, eCommerce payment processing is very important for your online business success. So, bring some time and conduct your research. Analyze your respective market, and recognize your buyer's requirements. Then enlighten them and develop your business structure consequently, always placing payments at the same level as other aspects such as marketing and logistics. Now, if you are confused with these many steps to take. Don't worry, just opt for WebPays and tell us about your business structure and requirements. We will go through your business requirements and deliver the best eCommerce payment gateway in Europe (Albania, Malta, Cyprus, Netherlands, Italy, etc.).


Why do you need an eCommerce Payment Gateway?

You will need an eCommerce payment gateway to initiate receiving credit and debit card payments online. For that not just any merchant account is sufficient. Even also you will require one developed particularly for the business structure of eCommerce, from a payment solution that enables you to receive online payments in different currencies and different types of credit card networks.

The customer experience is most important for an eCommerce store. To evade cart abandonment, the payment gateway solution must have the structure of receiving different kinds of online payment methods and saving buyers' details.

How do you assess an eCommerce Payment Gateway?

The aspects that should be assessed before finalizing an eCommerce Payment Gateway for your eCommerce store, relying on the business and payment processing requirements for the eCommerce store are detailed below:

  1. Prefer a suitable payment flow.
  2. Selecting the right products or services.
  3. Deliver customers assurance of payment security and safety.
  4. Have a glance at the pricing structure and the payment gateway agreement.
  5. Ensure that transaction processing volumes are efficient.