How To Accept Card Payments on Your Website


Do you have products or services you think you can sell online? In that case, you will be really edging to know how to accept card payments. Luckily, it’s nothing technical and within a few minutes, you can get started with accepting card payments on your website.

In the past, to integrate online card payments into your website was a big kind of deal. You needed to probably pay for a merchant account activation, provide a lot of documents and proof of company registration and so on. Not everybody has got the luxury for that.

In this guide, I will show you how to set up card payments on your website with ease. No merchant account subscription, no coding knowledge, and no company registration documents required. Ready to roll?


Advantages of accepting card payments on your website

It’s normal to wonder if you need the whole online payment option for any of your products online. You well just easily set up a payment-on-delivery model and assume you are good to go.

But there are a few reasons why you might want to extend your options of receiving payments.

  1. It builds trust:  Simply having that Visa or Mastercard logo on your checkout pages, you’re constantly saying “Hey, I’m legit and trustworthy”. That’s the level of the impression it gives to your potential buyers. MasterCard and Visa are well known around the world and it definitely helps to build trust with first time buyers who might never have heard of your site before.
  2. You get to sell to international customers. Foreign people have cash too, y’know! 🙂 Accepting cards means that you can sell into any country in the world (as long as you have what it takes to ship your products to them) and accept payments online with no problems whatsoever. Imagine all those extra potential customers!
  3. Speed. Your customer can enter their card number and within a few seconds be checked out and ready to receive their products. Works awesomely with digital products. If you sell digital products like E-Books, Softwares, Music and Video Courses, it’s possible for your buyers to get their products instantly, even without your intervention. You might just be sleeping on your couch at the time of the purchase.


Which method should you use to accept card payments on your website?

There are two major ways to accept card payments on your website. Each has the good and the bad side to it though, but it is great you define your choice by knowing about them. For me, accepting through a third party is a No-brainer. It’s easier. I’ll tell you what this means. Let’s look at the differences together.

  • Card payments through a third party. Third parties are companies that help you accept your card payments and handle the whole merchant hassle for you. Your payments are stored in your wallet on their platform, where you could then choose to withdraw it to your local bank account whenever you choose. They charge a very small fee per transaction, as low as 1%. They’re referred to as payment gateways and are the easiest way to get started to accepting card payments on your website.
    • It’s easy to get started.
    • You don’t need a merchant account.
    • The process is handled entirely by the third-party.
    • The transaction fees may be higher in some cases. It depends on the number of funds you are getting though.
    • Less chance of fraud
  • Card payments through a merchant account. This method is preferred by large organizations. In this case you will need your bank to set up a merchant account that you can use to take payments through. The fees are usually lower than through a third party.
    • Better for larger merchants.
    • More control.
    • Lower transaction fees.
    • Higher likelihood of fraud

Personally, I tend to choose third-party payment processing. It’s just easier. I will be talking more about it in this guide as I believe it is the easiest way to receive online payments if you are just getting started.


How to accept cards on your website with payment gateways.

Okay, so standing on the payment gateway / third party table, there are quite a lot of payment gateways to choose from.

Wait, don’t click buttons yet. These payment gateways I mentioned may be difficult to use most especially if you live in Nigeria. They are good and efficient payment gateways and you can go your way to use them if you can, but I would not be discussing them in this article.

In this article, I would be introducing you to my one, easiest and favorite payment gateway, Paystack.

If you have never heard of Paystack, then you have heard it now :).

Paystack is a startup that helps businesses easily process their online card payments, and what’s more they have a very flexible gateway which you can integrate into your website to start accepting online payments.


Placing an order form or shopping cart onto your site.

Apart from opting in with a payment gateway to receive card payments, there are other things involved; like setting up a shopping cart, order page or checkout form.

Before people can pay to order your product, they need to meet a page which shows details about the product, the price, how it will be shipped and many other things. After this page comes the payment form which will be shown to your buyers; in which they will fill their card details.

You might be thinking of hiring a developer to help you create your checkout form or payment page. That’s a lot, I know right.

But the good news is, Paystack has made it very easy to integrate payment forms right from their website. So you need no coding knowledge, nor technical skill to start accepting card payments on your website.

Let me show you how to go about this 🙂

First, you need to visit www.paystack.com in your browser, then register on the platform.

As a starter, I advise you register as a “Starter Business”, else if you have company documents and registration documents, you can choose to register as a “Registered Business”.

Here are the advantages of registering as a Starter Business on Paystack:

  • You don’t need any hard-to-acquire company documents to start accepting payments
  • You only verify your business or personal business with your National I.D Card or Voters Card
  • You can use your personal account to receive your funds (No company account needed)

But as a starter business, there are some restrictions:

  • You can only receive a max of NGN 2,000,000 at a time. Once you get to that point, you will then be required to upgrade to a Registered Business.

But I guess NGN 2,000,000 is a great amount to start with as a small business.

Once you complete your registration as a Starter business, you will need to activate your account to start receiving payments. Like I mentioned above, Starter Businesses can easily activate their accounts with their National I.D Card or Voters Card.

If you don’t have any, go get your PVC 🙂

Finally, I will show you how to create your own payment page with Paystack. Make sure your account is activated first to be able to use this feature.

Here is my Paystack Dashboard:  To get started, click on “Payment Pages” on your dashboard (I boxed it out in blue).

Afterward, click the “New Page” button

You will be asked if you want to make a page for a “One-time Payment” or “Subscription Payment”. In this case, we are making a page for a One-time Payment. Just for your buyer to make a single time order of your product. Click the “Choose” button.

The next section is the shows up the main steps to creating your payment page. All you have to do is fill as required. Use mine below as a guide. Once the form is filled, click the “Create” button.

Once that is done, you will see a confirmation notice telling you your page has been created successfully.

Now, I can simply copy that link, then link to any of the payment buttons on my website. I can create several payment pages per product and have a button linking to each of them. Let us visit my link and see what my payment page looks like.

Awesome and very easy right? Now here is what happens when anyone clicks the “Make Payment” button. The interesting part…


And in minutes, I have a full payment page to receive card payments for my products or services. My buyers can as well pay with Bank, GTB 737, and Visa QR.

All earnings I make through this form or any of my forms will be stored in my Paystack wallet, which I can withdraw to my local bank account afterwards.

It’s easy isn’t it? Thanks to Paystack!


So, let me summarize the steps to start getting your own Online Card Payments.

-Register with Paystack as a Starter Business

-Verify and activate your account by providing your BVN, National ID/Voters Card, Bank Account Details and other information as requested.

-Once your account is activated, go to the Payment Page menu on your Paystack dashboard to create your payment pages.

-Copy your link, share to your buyer or embed into a button on your website.



If you’re selling online then you definitely want to accept cards as part of your user experience. People expect it, it will help you get more sales, and you’ll look more professional too. That’s a big bonus!

So what are you waiting for? 🙂

Are you going to start accepting online payments today?

And did you find this piece interesting? If yes, please share with your friends and also drop a comment. I’d be glad 🙂


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