Accepting Payments

Payment Options & Setup

What Payment Options Do You Need to Optimize Sales?

One of the biggest challenges for eCommerce businesses online is keeping potential customers interested and engaged long enough to make a purchase. The dreaded “abandoned cart” is a common problem and fortunately for you – we have a solution! 

Recent statistics indicate that online businesses can effectively lower their abandon cart rates and increase their bottom line by making payment options as safe and simple as possible. Read on to discover the payment options available through WP EasyCart, how to set them up and which is best for you and your customers! 

WP EasyCart makes it simple for you to run up to three payment systems simultaneously. Research has found that combining live payments with third-party payments like PayPal leads to the highest conversions and best results. These three systems include:

Manual Payments

This form of payment allows customers to plan an order without processing payment at the same time. These orders will be placed into a “pending” status and you will have the option to Invoice, Bill Later or for COD. 

This system can be enabled/disabled and can include a custom message. It works by bypassing the payment processing step. Instead, orders are placed into an ‘Order Pending’ status, so no downloads or goods will be shipped or distributed until the site owner or administrator changes the order status to ‘Order Approved.” Once you collect a payment the order status is changed.

Third-Party Payments

EasyCart refers to payments in which the customer leaves your website to make a payment as ‘Third-Party Payments’. This form of payment gives customers the ability to pay through a third-party website like PayPal, Stripe, Square and others. The live gateway enables customers to make a purchase however they are most comfortable while keeping their credit card information protected. 

PayPal is the most commonly used method, but we have close to a dozen various third-party payment processors from around the world. Simply enter your details and settings for the processor type you would like to enable.

Other Payment Processors

WP EasyCart also offers two dozen other live payment processors. Simply select your payment gateway of choice from the box and enter the credentials for that gateway.

WP EasyCart refers to payments made without the customer having to leave your website as ‘Live Payments’. Popular examples include Square,, Stripe, and FirstData. You can choose from over two dozen live payment integrations for international and domestic support. 

Here is a quick overview of the options available with the free and premium edition of WP Easy Cart. 

Payment Gateways of Professional, Premium & Free Editions of WP EasyCart

The free edition of WP EasyCart offers several gateways and simple activation. Bill Later enables users to enter an order and skip any payment processing. This gives you the ability to invoice or bill the customer for payment later. PayPal provides an integration where customers can pay from within a standard PayPal frame securely while using their payment system. Square & Stripe enable credit card payment processing directly on your website. You will be required to have an SSL certificate for your website to process payments directly on your website with Stripe and this gives customers confidence in your website.

All free editions of WP EasyCart offer payments processed with a 2% fee and payment gateway fees. You will need to speak with your payment provider to determine their fee structure and which option is best for you. All Professional and Premium licensed versions of WP EasyCart require no application fees.

We hope this overview helped you understand which options are available to you and determine which is best for your business. Still questions? We are here to help! Reach out today and we can help you set up payments on your website so you can be your customers aren’t making it all the way to check out – only to abandon their cart due to limited or confusing payment options. 

Still Not Sure How to Start?

Here’s the thing, not everyone has ever accepted a payment online. We understand this and are here to help. Nearly every person in the world has used a credit or debit card to make a purchase by now; it happens quickly and easily. For most this is the end of it, not thoughts to the payment and how money gets from your account to the store. For most everyone that uses a card, they assume Visa, Mastercard, Discover, Amex, etc… all handle the payment from your bank to the storefront, but this is not the case! Consider that you don’t actually get your credit or debit card from Visa directly, for example. Typically you get a card from your bank or from a third party like Capital One, which is a layer between yourself and the credit card company itself. On the other end, the same thing is happening! The store signs up with a company that accepts the payment and passes it through to the major credit card companies for settlement. This is a layer of protection between the credit card company and the Merchant and where you, as a merchant, needs to go to sign up and begin collecting payments.

What is Third Party vs Live Payment?

You might be saying, I just want PayPal, what’s the difference between that and Square or Stripe?! Very reasonable question, things have changed a lot in the last 5 years. Before companies like Stripe and Square became popular, most people used a Live credit card processor to connect their customer to the payment provider directly, on their own website, without the customer leaving. This required a programmer to give a customer a place to enter their credit card info, which was collected and sent directly to the processor and the response of accepted or invalid had to be handled by the programmer as well. Third party requires the user to leave the website and pay somewhere else, on a site clearly branded as PayPal or 2Checkout, for example.

What’s Changed?

This is still sort of true, but methods have mostly merged. The end goal of changes that have been made is to get better PCI Compliance for their merchants. The latest and greatest live payments keep the same feel, the customer thinks they are paying you directly, but instead of processing information through your server, they actually process it directly at something like Stripe or Square. This is important because it increases security levels, lowers your risk, and therefore saves you money on things like chargebacks! Less fraudulent payment attempts are VERY, VERY important for a merchant (very costly). Some advanced third party systems like PayPal now keep the customer on the site, but still allow them to pay with their PayPal account and the customer still clearly knows they are using PayPal. Other third party systems still take the customer away to their site, this is more popular outside of the USA.

Why Third Party AND Live Payments?

The important thing to remember is that every consumer feels different about how they pay online. Some are very trusting and love convenience, others want to feel safe and use something they trust over all else. Third party payments allow you to give that trust, the customer knows they are paying with PayPal and have someone to go to if things go sideways for them. As a business, this increases revenue and decreases abandoned carts. Now, why live payments? Simple, some people hate PayPal, for whatever reason, and refuse to use them. If you offer a way to submit their credit card, they’ll be much more likely to convert.

What about Wallet Payments?

Did you know wallet payments are available with Professional or Premium of WP EasyCart? It’s true! With Stripe or SquareUp, you can give your customers an easy way to click and pay with their existing payment information on their mobile device or in their browser. This is an awesome feature that increases sales and again decreases abandoned carts.

Choosing a Live Payment Gateway

The last question we often get is how do you choose!? First on your mind should be, where do you live? Payment providers are highly regulated and only available in specific countries. We offer payment options for most countries:

Other Considerations

Besides location, you might consider fees. Most payment systems are 2.9% + $0.30/transaction. This is mostly standard at this point, but some do offer discounts and many offer volume discounts. You will need to check with the payment provider directly to confirm your own fees.

Chargeback Considerations

Also consider chargebacks and chargeback protection. Most are good about this now, but chargebacks can become costly! This happens when a customer declares the payment was fraudulent and you lose your merchandise (if shipped), money earned from the sale, and an additional fee to the credit card company (usually around $50). Many companies now offer great fraud protection tools, for example, Stripe collects data as the customer shops and prevents suspicious activity automatically. In addition, most gateways allow you to set your level of fraud detection including matching zip codes, names, and level of allowed suspicious activity. Discuss your options directly with the payment provider.