Roqqett Blog

June 17, 2024
Author: Patrick McDill

Step-by-Step Guide to Accept Payments on Your Website

Learn how to accept payments on your website with our step-by-step guide. From setup to security, we've got you covered!

Quick Summary

  • Choosing the right payment processor is crucial for meeting your business needs and ensuring secure transactions.
  • Setting up a merchant account is a necessary step for accepting payments on your website.
  • Integrating payment gateways can be done through APIs or plugins, each with its own benefits.
  • Ensuring payment security involves understanding PCI compliance, implementing SSL certificates, and following fraud prevention tips.
  • Customising your payment form can enhance user experience and improve conversion rates.


If you're selling products or receiving money through your website, you need to set up a payment system. Credit cards are a convenient payment option, and our step-by-step guide makes the process manageable. In this article, we'll walk you through how to enable payments for your SaaS or marketplace site.

Choosing the Right Payment Processor

Choosing the right payment processor is crucial for your business. It ensures smooth transactions and keeps your customers happy. Here's how to make the best choice for your needs.

Setting Up Your Merchant Account

A merchant account is where your money will go when someone orders something from your business to be checked and verified, and where the relevant processing fees can be taken before reaching your business bank account as its final destination. For more information, check out our full guide: what is a merchant account?

What is a Merchant Account?

A merchant account is basically like a business bank account that accepts credit card payments, and a payment gateway connects your merchant account to your website or online store. What might have taken a couple of weeks to set up is now easy to take care of in a day or two with a payment gateway — like PayPal or Square — or with something like Stripe, which offers an all-in-one solution.

Steps to Create a Merchant Account

  1. Go to and create an account. Or sign in. If you are a first-timer, you need to confirm your email.
  2. Create a merchant account in the payment system. To do so, you need to go through the step-by-step configuration of API. Also, you need to put information about your business credit card. Pay attention to the geography of the service you’ll use.
  3. Obtain your API keys. There are publish and secret keys. As you do it, you’ll see the toggle to change live/test mode.

Linking Your Merchant Account to Your Website

A merchant account is where all your online transactions will go as the first port-of-call for authorisation purposes, and your payment gateway is how the money will get there (via your customers making their purchases).

Integrating Payment Gateways

Integrating a payment gateway is a crucial step in setting up your online store. It connects your website to your payment processor, creating a secure environment for transactions. Choosing the right payment gateway can significantly impact your business's security and customer experience.

API vs Plugin: Which to Choose?

When integrating a payment gateway, you have two main options: API or plugin. An API integration offers more customization and can boost conversion rates, but it requires more technical expertise. On the other hand, plugins are easier to set up and are often sufficient for small to medium-sized businesses.

Step-by-Step Integration Guide

  1. Choose Your Payment Gateway: Decide on the type of payment gateway that suits your business needs. Popular options include PayPal, Stripe, and Square.
  2. Sign Up and Get API Keys: Register for an account with your chosen payment gateway and obtain the necessary API keys or credentials.
  3. Install the Plugin or Set Up API: Depending on your choice, either install the plugin on your website or set up the API integration.
  4. Configure the Payment Gateway: Follow the instructions to configure the payment gateway settings, including currency, payment methods, and security options.
  5. Test the Integration: Before going live, make sure to test the payment gateway to ensure everything is working correctly.

Testing Your Payment Gateway

Testing is a critical step to ensure that your payment gateway is functioning properly. Create test transactions to verify that payments are processed smoothly and securely. Make sure to test various payment methods like credit cards and digital wallets to provide a seamless customer experience.

Proper integration and testing of your payment gateway can save you from potential headaches and ensure a smooth transaction process for your customers.

Ensuring Payment Security

When it comes to accepting payments online, security is paramount. You need to implement robust measures to protect both your business and your customers from fraud and data breaches. This section will guide you through the essential steps to ensure payment security on your website.

Customizing Your Payment Form

Creating a payment form that is both functional and visually appealing is crucial for a smooth checkout experience. A well-designed form can significantly reduce cart abandonment rates.

Designing a User-Friendly Form

When designing your payment form, ensure the layout is intuitive and easy to navigate. Use clear labels and logical field arrangements. A step-by-step guide to take payments on your website: create user-friendly layout, customize form fields, implement security measures, test payment system, fix issues, ensure mobile compatibility.

Adding Custom Fields

Custom fields allow you to gather additional information from your customers. This can be particularly useful for businesses that need more than just basic payment details. Adjust background colors, banner image, buttons, custom fields, action buttons, checkbox options, etc. Apply your brand's fonts to maintain consistency in typography.

Mobile Optimization Tips

With the increasing number of mobile shoppers, it's essential to optimize your payment form for mobile devices. Ensure that the form is responsive and loads quickly on all devices. The payment process on your website should be as seamless as possible. Consider integrating payment forms directly into your landing pages for the added convenience of your leads.

Managing Transactions and Refunds

Tracking Transactions

Keeping track of your transactions is crucial for maintaining a healthy cash flow and ensuring accurate financial records. Use a reliable payment processor that provides detailed transaction reports. These reports should include information such as transaction ID, date, amount, and status. Regularly reviewing these reports can help you identify any discrepancies or unusual activities.

Handling Refunds Efficiently

Refunds are an inevitable part of running an online business. However, they can affect your profit margins, especially if your payment gateway charges an extra fee for the refund process. To handle refunds efficiently:

  1. Set clear refund policies and communicate them to your customers.
  2. Use your payment processor's dashboard to initiate refunds quickly.
  3. Keep track of refunded transactions to ensure your financial records are up-to-date.

Generating Financial Reports

Generating financial reports is essential for understanding your business's performance and making informed decisions. Most payment processors offer tools to generate comprehensive financial reports. These reports can include:

Regularly generating and reviewing these reports can help you stay on top of your finances and make strategic business decisions.

Optimizing for Mobile Payments

In today's digital age, most of the people browsing your site will be doing so from a smartphone or tablet. That means you need to allow them to pay that way, too. Mobile payment processing encompasses any payment method that involves a mobile device. Digital wallets are one: as are SMS payments, and POS setups that facilitate contactless tap-and-go payments from the countertop of your bricks-and-mortar store.

Optimizing for mobile payments is crucial in today's fast-paced digital world. By leveraging Roqqett's cutting-edge technology, you can ensure a seamless and secure payment experience for your customers. Our solutions are designed to reduce fraud and boost revenue, making your business more efficient and customer-friendly. Don't miss out on the future of online payments. Visit our website to discover more and book a demo today!

Wrapping Up

Setting up a payment system on your website might seem daunting at first, but with the right guidance, it becomes a manageable task. Whether you're running an eCommerce store, a SaaS platform, or a non-profit organization, accepting online payments is crucial for your success. By following our step-by-step guide, you can confidently navigate through the process and choose the best payment solutions for your needs. Remember, the key is to understand your options, integrate them seamlessly, and always prioritize security. Happy selling!

Frequently Asked Questions

What is a payment processor and why do I need one?

A payment processor is a company that handles the transactions between your customers' banks and your bank. It is essential for accepting online payments securely and efficiently.

How do I choose the right payment gateway for my business?

Consider factors such as transaction fees, security features, ease of integration, and customer support when choosing a payment gateway. Comparing popular options like PayPal, Stripe, and Square can also help.

What is PCI compliance and why is it important?

PCI compliance refers to the Payment Card Industry Data Security Standard (PCI DSS) that businesses must follow to protect cardholder data. It is crucial for preventing data breaches and maintaining customer trust.

Do I need a merchant account to accept payments online?

Yes, a merchant account is necessary for processing online payments. It serves as an intermediary account where funds are held before being transferred to your business bank account.

How can I ensure the security of online payments on my website?

Implementing SSL certificates, adhering to PCI compliance, and using secure payment gateways are essential steps. Additionally, educating yourself on fraud prevention tips can further enhance security.

What should I do if a customer requests a refund?

Handle refund requests promptly and efficiently. Ensure your refund policy is clear and accessible to customers. Use your payment gateway's tools to process refunds and keep track of all transactions for record-keeping.

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