Guide to Accept Credit Card Payments on WordPress Websites

This guide will cover the most popular ways to accept credit card payments on WordPress Websites and the different uses you can make

Guide to Accept Credit Card Payments on WordPress Websites

Here is the guide to accepting credit card payments on WordPress websites. Accepting payments on your WordPress site opens up huge potential for making money from what you do. Whether you’re selling a product, service, or anything else, allowing someone to make a payment through your website makes the sale easier.

There are several ways to accept payments in WordPress, and we’ll cover them all. So, this guide will cover the most popular ways to accept credit card payments on WordPress websites and the different uses you can make.

What types of WordPress sites can accept online payments?

For example, if you sell or work with cash, you can be a beneficiary by accepting payments online. In theory, you can add online to any site you like. And however, it makes sense to only add them to sites they can get the most out of.

Sites such as stores, subscription sites, membership sites, and eLearning Management System) MS sites that sell online courses, the management or non-profit sites, service companies, and all types of commercial sites can leverage online payments.

Accept credit card on WordPress: Prerequisites for payments in WordPress

WordPress payment setup is very simple. Like many things in WordPress, the process includes steps, but each one is sometimes simple. Once broken, they can be completed by anyone at any skill level.

Recommended when you have us to guide you through it all!

There are four prerequisites you need before your WordPress payment options:

  • SSL
  • Secure WordPress site
  • Good website design for user experience
  • Fast and secure website hosting

Secure Sockets Layer

SSL (Secure Sockets Layer) is the usual protection technique for the Internet. Encrypt all traffic between your website and your visitor’s browser. A secure connection is essential when processing credit cards and payments. 

Most web hosts offer free or inexpensive SSL that you can install. Moreover, this is a relatively straightforward process, but it must be set up before setting up WordPress payments.

Secure WordPress site

Guide to Accept Credit Card Payments on WordPress Websites

A secure WordPress site is critical for dealing with payments and customer details. Some hard regions collect data and are determined as accurate measurements.

WordPress security can include:

  • Good security includes solid passwords for your WordPress login
  • HTTPS with SSL
  • Website intrusion and also hack monitoring
  • WordPress Firewall and Security Plugin
  • Knowledge of GDPR, PCI DSS, and also relevant rules in the region you will serve

Secure your site is good; you should implement many of them regardless of whether you are working with payments.

You will probably know from experience how daunting it is to hit a slow site where the user navigation doesn’t make sense or the user experience isn’t perfect.

While some of it comes down to website design, a lot goes into using a good WordPress WooCommerce theme. MoreoverThemes like, Astra is designed to be fast, provide and be a pleasure. Ideal for converting visitors into customers!

Accept credit card on WordPress: Fast and secure web host

Your choice of web host underpins everything you do. For example, if you choose a performance host, no quick WordPress theme or simplified purchase process will save you a poor user experience.

Do your research, read reviews, and also choose your host carefully. Then read this review of WordPress hosts. Plus, it contains all the information you need to make an informed decision.

What is a payment gateway, and also, how does it work?

In this guide about accepting credit card payments on WordPress websites, we’ve mentioned payment gateways many times, so what are they, and how do they work?

A payment gateway is a software that also acts as an intermediary between customers, your website, or your payment processor. It is a holder application and has its servers.

You are accepting PayPal or a credit card with no need to process your idea as site card information. In exchange for a small commission, the payment gateway handles everything using an app and a secure connection.

See how it works:

  1. Your customer selects a product or also service from your website
  2. They don’t go into the checkout and select a payment method
  3. This calls the payment gateway that appears to the customer
  4. The customer enters their payment details in the application gateway. It could be a credit card, PayPal login, or anything else.
  5. The gateway securely transfers payment data to your payment servers
  6. The payment server contacts the credit card or PayPal servers and authorizes the payment (or not)
  7. If the payment is authorized, inform the gateway that the payment has been agreed
  8. The gateway informs your e-commerce platform that the payment has been accepted
  9. And your website releases the product or service for download or delivery and customer information
  10. The gateway transfers the funds to your bank account
  11. The transaction is complete

Although a few steps in this process only take a few seconds. It’s fast, secure, and lets you manage no WordPress submissions without dealing with financial data.

Accept credit cards on WordPress: Popular WordPress payment gateways

Some payment gateways that work with WordPress.

They are:

  • PayPal
  • Stripe
  • Amazon Pay
  • Google Pay

1 – PayPal

Guide to Accept Credit Card Payments on WordPress Websites

One of the most popular WordPress payment gateways is PayPal. Most carriers and online service providers accept it because it accepts payments from PayPal accounts, credit cards, debit cards, and even gift cards.

PayPal charges a processing fee of about 2.9% + $0.30 per transaction. In addition, this is not the same as your account and the configured account.

2 – Stripe

Track home page

Another payment gateway for WordPress payments is Stripe. It is popular and used by many e-commerce stores on the web. Works like PayPal. Instead of signing up with an account like PayPal, only customers need to enter their credit card. 

Stripe can also interact with other payment gateways, such as Apple Pay, Google Pay, etc., to accept recurring subscriptions and other recurring payments. 

Stripe charges a processing fee of 2.9% + $0.30 per transaction.

3 –

Authorize network home page isn’t as popular as PayPal or Stripe, but it’s still widely used on the web. It’s a full-fledged credit card processor that processes transactions on its website without you having to do anything.

It mostly works with credit cards and doesn’t use billing methods like PayPal. Still, as long as the cost doesn’t bother you, it’s still a fast and secure system that’s worth exploring further.

Charges a monthly fee of $25, a transaction fee of $0.10, and a collection fee of $0.10 per day. Moreover, if there is a payment dispute, will charge you $25 to resolve it but will refund it if they deem it in your favor.

4 – Amazon Pay

Amazon Payment Gateway

Amazon Payment Gateway provides a viable payment gateway within your website as part of the retail giant’s battle over the Internet. You can pay for goods and services with a credit card linked to your Amazon account.

This is good for users if your customers have an Amazon account. Moreover, once they log into their account, they can pay anywhere on the network that supports Amazon Pay.

Amazon Pay does not charge monthly fees but charges an average of 2.9% + $0.30 per transaction.

5 – Google Pay

Google Pay Home (UK)

Google Pay is a payment processor that also integrates with Android phones and Google’s infrastructure. It allows customers to pay for things using details stored in Google Pay and authorize transactions from their phones.

This gives you a market reach of billions. However, using it for WordPress payments is not easy as it is not a payment gateway. You need to integrate Google Pay with Stripe or WooCommerce to accept it as a payment method.

Google Pay charges a base transaction fee of 2.9% when using a credit card.

6 – Apple Pay

Apple Payment Gateway

Apple Pay is the alternative to Google Pay for Apple users. It offers the same advantages as well. It integrates with the entire Apple infrastructure, allowing people to pay for goods and services using their Apple accounts.

This is an equally viable WordPress payment method with a similar market share. Also, like Google Pay, you must implement Apple Pay using Stripe or a WooCommerce plugin.

Guide to Accepting Credit Card Payments on WordPress Websites Without Having a Shopping Cart

You might not need a shopping cart selling a single product, offering membership, website access, subscriptions, or other intangibles. In that case, how can you accept payments from WordPress?

Using Stripe Payments plugin or integrating payment into WPForms.

Guide to Accept Credit Card Payments on WordPress Websites

The Stripe Payments plugin is a simple and hassle-free way to accept payments from WordPress without using WooCommerce or adding a shopping cart.

  • Login to your WordPress site
  • Select Plugins from the left menu of the WordPress Dashboard and add a new one
  • Type “track payments” in the search box in the upper right corner
  • Select Activate in Stripe Payments plugin
  • Activate when options appear
  • From the left menu, select Settings and accept Stripe Payments
  • Also, enter your Stripe account details in the form and fill out the support section
  • And add the Stripe Payments shortcode to any post or page where you want to accept payments

Stripe and the Stripe Payments plugin do all payment processing. Of course, you can add elements, customize the checkout, and customize plugin elements, but that’s how you make Stripe work in WordPress.

Guide to Accepting Credit Card Payments on WordPress Websites with WP Simple Pay

This method uses WP Simple Pay, the best Stripe payment plugin on the market. WP Simple Pay allows you to accept payments without setting up and using complicated eCommerce plugins.

WP Simple Pay is integrated with the Stripe credit card processing platform. Like all payment processors, Stripe charges a small fee per transaction. However, joining Stripe is free.

For this method, we will create a payment button that you can add to any page or post.

We will use WP Simple Pay Lite because it is 100% free. However, WP Simple Pay Pro is also available if you need more advanced features. This release offers more customization options, a drag-and-drop form builder, and custom payment receipt emails.

Firstly, you must install and activate the WP Simple Pay plugin. If you need help, check out our guide on installing WordPress plugins.

After activation, the plugin will automatically start the WP Simple Pay setup wizard. Click the Let’s Get Started button to start accepting credit card payments.

WP Simple Pay Setup Wizard

The first step is to connect WP Simple Pay to your Stripe account. Don’t you have a
Stripe account yet? And also, a setup wizard will guide you through the process of creating a new account.

First, click the Connect to Stripe button.

First, click the Connect to Stripe button.

On the next screen, WP Simple Pay will ask for your email address. If registered with Stripe, enter the address linked to your Stripe account.

Connecting WP Simple Pay to Stripe

Don’t have a Stripe account? And then, enter the email address you want to use for your new Stripe account.

Then just click on the Continue button.

WP Simple Pay will now check for a Stripe account linked to your email address. In addition, WP Simple Pay will ask for your Stripe password if it finds an account.

If you can’t find an account, WP Simple Pay will guide you through the Stripe registration process. And then, just follow the onscreen instructions to create an account and connect it to WP Simple Pay.

Connecting WP Simple Pay to Stripe

After connecting WP Simple Pay and Stripe, you are ready to create your payment button.

Just click on “Create a payment form.”

Guide to Accept Credit Card Payments on WordPress Websites

Guide to accepting credit card payments on WordPress websites, so you can create a payment button by going to WP Simple Pay » Add New.

Guide to Accept Credit Card Payments on WordPress Websites

Now just hover over the ‘Payment button’ template.

Then click on the ‘Create payment button.’

Guide to Accept Credit Card Payments on WordPress Websites

Now enter a name for your payment button in the ‘Title’ field.

Visitors to your website will not see this name as it is for your reference only.

Guide to Accept Credit Card Payments on WordPress Websites

You can also add more details in the Description field. Again, WordPress will not show this to your site visitors, but it may be helpful for your reference.

Now just click on the Payment tab.

Setting up your Stripe payment method

You can decide how much to charge with the pay button.

Go ahead and enter this number in the Unique Amount field.

Guide to Accept Credit Card Payments on WordPress Websites

WP Simple Pay uses dollar currency by default.

And if you would like to accept payments in a different currency, go to WP Simple Pay » Settings. You can then select the General » Currencies tab. Here’s everything you need to know about changing your default currency.

Now scroll down to the Button Text section.

This is the text that WordPress will display on the button.For example, WP Simple Pay uses “Pay Now” as the button label.

To change this, simply type new text in the Button Text field.

Creating a button label

You can also change the button action text in this section.

And this is the text that WP Simple Pay will display to the visitor when processing payment information.

Configure "Button Action Text"

WP Simple Pay uses the button style from your WordPress theme for the “default” button style.

Another option is to use the blue stripe style, which uses gradients and rounded corners.

The blue Stripe button style

As you make these changes, you may want to check how your checkout button will appear to your visitors.

To preview the finished product, click the Preview button.

Viewing your WP Simple Pay button

Once you’re happy with what you see in the preview, it’s time to add the button to your WordPress site.

Guide accept credit cards; click on the Publish button to do this.

Publishing your credit card payment button

Now you can add your button to any page or post to accept payments. You can now add a button to accept credit card payments on any page or post on your WordPress site, including product pages and landing pages. Moreover, you can also add buttons to widget-enabled areas of your website.

You only need a shortcode that WP Simple Pay automatically creates for you.

To get this code, just find the “Form Shortcode” field. Then click the “Copy” button.

Guide to Accept Credit Card Payments on WordPress Websites

You can paste this shortcode into any page, post, or widget area. For more information on placing shortcodes, see our guide on how to add shortcodes to WordPress.

Paste this shortcode to display a payment button on your WordPress website.

We recommend testing your button before you start accepting payments. By default, WP Simple Pay creates new payment buttons in test mode.

While in test mode, the website will not process credit card payments. To see that WP Simple Pay is currently in this mode, look at the toolbar at the top of your WordPress dashboard. It should say “test mode.”

Guide to Accept Credit Card Payments on WordPress Websites

If you go to a page or post where you’ve added this button, you’ll also see “Trial Mode” right below the button.

Guide to Accept Credit Card Payments on WordPress Websites

Stripe doesn’t show test payments by default! Fortunately, there’s an easy fix.

Simply log into your Stripe dashboard in a new tab to view your test data.

Guide to Accept Credit Card Payments on WordPress Websites

Then click the Payments tab. Then click the “Developer” slider in the upper right corner.

The Stripe dashboard refreshes to show the “Test data” banner. All test payments will appear in your Stripe dashboard.

Guide to Accept Credit Card Payments on WordPress Websites

Now we are ready to test the knob.

Moreover, the easiest way to do this is to return to your WordPress site. Then go to the page where you added the button to accept credit card payments.

You can now click this button. So, then follow the on-screen instructions to submit your test deposit. After sending the test payment, go to your Stripe dashboard. A test payment appears on your dashboard.

Once you’re sure, everything is working smoothly, exit button test mode.

Simply navigate to the WP Simple Pay » payment form.

Then hover over the payment button and click the Edit link.

Guide to Accept Credit Card Payments on WordPress Websites

Find and click the Payments tab in the left menu.

Finally, check the “Live Mode” checkbox in the “Payment Mode” section.

Guide to Accept Credit Card Payments on WordPress Websites

And remember to save your changes by clicking the Update button at the top of the screen.

Now you can visit your website and verify that your payment button is enabled.

That’s it!

After reading this guide to accepting credit card payments on WordPress websites, these are the main ways of WordPress payments. There is an option here for almost every facility you are likely to encounter.