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Everything You Need to Know About Accepting Credit Cards on Your Blog

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You’ve done everything you can to get your blog off the ground, and now it’s starting to take off. You’re getting new visitors every day, and your pageviews are climbing every week. Before long, you may even reach that holy grail of blogging – turning a profit! But there’s one thing standing in your way – credit cards. While some businesses do accept credit cards as payment, others don’t out of concern for the safety and security of their customers and themselves. Everything You Need to Know About Accepting Credit Cards on Your Blog!!

Getting Started to Accepting Credit Cards on YourBblog

If you’re looking to monetize your blog, selling items on your blog is a great way to do that. However, if you want to sell products but don’t know how, we have a guide for that too. But what if you want people who visit your site and purchase something off of it? There are two ways of doing this: by using an online store or by accepting credit cards.

When choosing between an online store or accepting credit cards, the first thing you need to think about is where your audience is. An online store might be easier for someone who doesn’t have many web development skills because they will take care of all the hard work for you. It’s also a more secure option for people who worry about their personal information being leaked (unlikely but still possible). The downside to having an online store is that it can cost more money upfront, especially if you’re just starting out. It also limits your exposure to potential customers. 

On the other hand, accepting credit cards on your blog makes it easier for those without access to other payment methods such as PayPal or Venmo and allows visitors from countries without Google Pay services to shop with them as well as simplifying things when there are multiple bloggers involved in one project. The downside with this method is that there can be some risk of fraudsters trying to steal money from you via card fraud.

Setting Up Shop

If you want to start accepting credit cards, then there are a few things you need to do. First, you will need an account with a payment processor. You can find out which processors accept your form of payments (i.e., cash or credit) and then select the one that accepts both forms of payment. Second, set up a merchant account with your bank so that they can process your transactions. Next, go through the steps to list your business information and bank information for the payment processor so that customers know where their money is going when they use their cards. Finally, accepting credit cards on your blog, integrate the code from your payment processor into the site by following instructions from them. 

When it comes to using credit cards online, there’s really no difference between selling goods and selling services. It’s not just limited to blogging; any time you offer something for sale on the internet, be it physical products or digital goods like tutorials, music or eBooks, then it’s possible for someone to buy them with their credit card.

Choosing a Payment Processor

Payment processors are companies that you pay a fee to for handling all of your transactions. They are the middlemen between you and your customer, relieving you of the burden of collecting money from customers and paying out money to suppliers. The most popular payment processors at the moment are Stripe, PayPal, and Braintree.

They each have their own original benefits and disadvantages. For example, PayPal is good if you’re selling digital goods like ebooks or mp3s because they don’t charge any transaction fees. However, it’s not as good if you’re selling physical goods because it can take days for payments to go through. Stripe is more ideal for these types of transactions because there’s no minimum amount needed before processing (PayPal charges an extra $30 per month). On top of that, Stripe offers many different integrations with various ecommerce platforms so everything will be seamless when making an online purchase. It also doesn’t charge any additional fees on top of the monthly rates which make it the cheapest option out there.

Dealing With Fraud

There are a few different ways you can deal with fraud and chargebacks. The best way is to avoid them by checking the validation of your customer’s payment information before you process a transaction, but if that fails, there are some things you can do.

First, understand what fraud is and how it happens. Second, be proactive in protecting yourself from fraud by setting up an online merchant account and choosing the right type of credit card processing for your blog or website.

Third, you should know what to do when fraud occurs so that it doesn’t destroy your business before you even start. If a customer contacts you and says they never made the purchase, first verify their identity (phone number, email address) to confirm who they say they are. Once you have done that, ask why they’re disputing the purchase; this will help identify any potential issues. Then contact your credit card processor to ask about dispute processes and timeframes as well as possible fees involved. Finally, check your records for changes since the offending purchase (e.g., canceled orders) and respond accordingly.

Making Money

This is the easiest and most common way for bloggers to make money. There are two different ways you can accept credit cards: you can either set up a PayPal account or sign up for a merchant account. Setting up a merchant account will allow you to create your own online store, so it’s an option if you want more than just one way for customers to purchase your products.

The downside of this is that it’s more complicated and there are fees involved. With PayPal, it’s easier but doesn’t have as many features as setting up a merchant account does. If you want to start immediately and without risk, I’d recommend you PayPal. They’ll charge you 2.9% + $0.30 per transaction when processing payments (so about 3% total). However, if you make thousands of dollars in sales per month, a merchant account may be worthwhile because the fees are generally lower (e.g., 2% + $0.20).

A few tips to keep in mind: 

-Decide which payment type (cash, check, etc.) you want before deciding what payment processor to use because each one has its own restrictions on how much they’ll let customers spend and how often they’ll deposit money into your bank account.

Start Small

If you’re just starting out and have a blog, you may be tempted to accept credit cards right away. But before you do, make sure your site is built in a way that makes it easy for customers to shop there. There are a few things you’ll need:

– A secure checkout page with an SSL certificate (more on this later) 

– The ability for your customers to pay with their credit card by entering the card number, expiration date, security code and their name – A processor that will allow for different types of payments like Visa, MasterCard and American Express 

– An account with a payment gateway provider such as PayPal or Stripe 

– Easy access to the funds in your account – Free Shipping Options – These two options alone can help reduce refunds and increase conversion rates by 15%.

– Address Verification Service (AVS) – AVS tells the retailer if a customer enters a billing address that doesn’t match the one listed on their credit card. 

– Customer Support: Providing support to your clients can result in more conversions and repeat customers

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