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PayPal, Amazon, Stripe? 9 Ways to Accept Online Payments

Man with a Credit Card and a Laptop

You’re ready to sell services or products over the internet, but how will you collect your money?

If you’re using the right services, getting paid online is easy. Trust us—you don’t have to jump through hoops and write complicated code to accept customer credit cards. Once you’re up and running, you can sit back in your pajamas and watch the money come in. You can email invoices to clients around the world and fully expect to get paid.

You do need the infrastructure to make it happen, so consider one of these online payment methods to get set up:

1. Stripe: Let Customers Run their Credit Cards

If you’re new to the intricacies of online billing, the idea of one of your customers typing in credit card numbers so that you can receive payment seems complicated, almost impossible.

Stripe fills that void, charging only 2.9% and 30 cents per each charge. A visit to shows you just how easy it is to upload a form to your website or run a mobile app. In just a quick signup, you’re ready to accept credit cards. Look who’s legitimate all of a sudden!


2. The Online Shield

If you’re a little on the wary side—either as a buyer or a seller of services—you should check out This site allows you to put money in escrow so that it doesn’t change hands until you’re both satisfied with the work you’ve done.

If you’re contracting freelancers, this helps you ensure you’ll get the quality you want. It can be a tad pricey, however, so it’s generally best used for the big invoices.

3. Chargify: A Recurring Solution

If you provide a service on a month to month basis, then a service like Chargify can help you get paid. Your Netflix and gym memberships take funds from your account each month. Wouldn’t you like to be on the other end? Chargify can help you do it!

It’s easy to set up and you can get started quickly. Then, you can sit back and get paid. And as a bonus? Chargify was started by the founders of Grasshopper.


4. WaveApps: Easy Invoices

If you’re a small business or freelance contractor, you know that making invoices and sending them as PDFs can be cumbersome. WaveApps’ Invoicing feature can help you out — and it’s free. Simply set up your clients, create invoices, and send them out. WaveApps links to Stripe, so you can easily get paid by credit card.

WaveApps has tons of other services that can help small businesses. They offer payroll, accounting, and more.


5. Squarespace: A Website Plus Payments

If you don’t already have a website and are planning on building one that accepts payments, Squarespace is a good option. The company provides an easy-to-use web-building service at affordable prices, plus a great ecommerce option.

Business owners and contractors can easily get paid for their products and services using a website built with Squarespace.


6. Shopify: An Instant Online Store

If you’re interested in selling products rather than services, Shopify is an excellent option. Instead of building a website and adding a store, you can do it the other way around. With Shopify, you can build a store that functions as youe website. Not only that, Shopfiy’s templates are beautiful and modern. You’ll be proud to have your goods displayed on a Shopify site.

Shopify integrates with a ton of other payment services. If you use Stripe or PayPal, you’ll be happy selling from Shopify.


7. PayPal: The Standard Bearer of Online Payments

Of course, no list about online payments would be complete without PayPal. It allows invoicing, buying, selling—everything you could possibly need to set up an online business and start moving money. The interface is easy enough to use for newbies, of course, but there’s always the “Help” section if you’re struggling with a customer credit card or need to send a customer a reminder to pay their invoice.


8. Amazon Payments: The Internet Retailer’s Option

Amazon is, of course, one of the premier names in Internet business. Heck, it might be the name. Amazon not only sells everything under the sun, but has its fingers in the online payment pie as well. Their system is a little pricey, but the cost is justified if you have a lot of customers used to paying through Amazon checkouts.

Amazon Checkout

Can I use PayPal on Amazon?

Amazon does not officially accept PayPal, and it doesn’t accept Google Checkout or some other payment methods either. Amazon has a page detailing what they do accept.

9. Google Checkout: Everyone has Gmail

Speaking of checkouts: who doesn’t trust Google? Setting up a Google Checkout form on your website instantly communicates professionalism and trust-ability. A potential problem: it doesn’t even link to your bank account, which is a definite no-no if you’re trying to run a legitimate business that requires trips to the bank. Google will be releasing a new version this November, which could be way better than the current model. Stay tuned!

Google Checkout

If you’re interested in finding out more about the advantages and disadvantages of some of today’s most popular online payment methods, be sure to check out Grasshopper’s very own Google vs. PayPal vs. Amazon showdown.

If you have an online business or sell your services over the internet, then you’ll need payment solutions. You might not be able to sit by the pool while the money roles in, but you’ll be one step closer to living the dream.

cta-signup (2)

  • Eric Petersen

    Google Checkout is being retired in November and from what we understand, they will no longer be offering online payment solutions. You may want to check into this further so your readers don’t end up signing up for Google Checkout, only to have to change payment providers a few months from now.

  • Emma Siemasko

    Hi Eric,

    Thanks for the comment! We’re aware that Google Checkout will be shut down. I hope it isn’t confusing to our readers.

    I looked into this and merchants selling digital items on Google will be able to transition to Google Wallet for digital goods. Merchants who are selling physical goods will need to switch. They can pick one off of our list or try something else (Google recommends Braintree, Shopify, and Freshbooks). For more info about what Google’s doing with Checkout, take a look at their post on it:



  • steve sims is good for online websites fast to setup resonable rates. suqre is very fast but not setup for online only rates nominal and the reader is handy when it works. Paypal has a lot of expereince as well as Google checkout but if you do a lot of transaction or returns/exchanges then your best bet is to get a traditional onl;ine merchant account with as they are the largest online gateway provider. Low rates mean nothing when your accounts are frozen(ie paypal, google checkout) go online for more info on merchant services.

    • Emma Siemasko

      Hi Steve,

      Thanks for your comments. We’ll have to check out those options :)


  • James

    The mentioned online payment processing aggregators are a few options to consider when thinking about conducting online payment transactions. There are also several others, that can get you better rates and service. The more conventional manner of setting up online payments, can be far more reliable, have a quicker turn-around period (to actually receiving your payments), can pose less of an intrusion on your clients, and can provide your more control over the day-to-day processing experience. I recommend doing some due-diligence before selecting a service provider – It can save you world of aggregation in the long run.

    • Emma Siemasko

      Hi James,

      I completely agree– it’s definitely a good idea to carefully assess your payment options before choosing one that will soon aggravate you! I find that using a number of different services together can be helpful. I use WaveApps synced up with Stripe, for example. For a long time I used PayPal!


  • Stuart Whitmore

    I would recommend taking a look at Dwolla if you want to keep transaction costs down — and who doesn’t want to keep costs down? Transactions under $10 are free, all others are a flat 25 cents. Sure beats the big chunk taken by other options. It’s possible to accept payments from non-Dwolla users via Dwolla, so the buyer half of the “critical mass” aspect is not an issue. Now those of us who would like to use Dwolla more just need more sellers to get involved.

    • Emma Siemasko

      Hi Stuart,

      Thanks for commenting! I think “Dwolla” is a great name for an online payment method. We’ll be sure to take a look at what Dwolla offers.


  • gabby

    I use stripe with wave invoicing. I never thought anything would be easier after dealing with shutdown paypal accounts for reasons I still dont understand and having money held over 180 days, i signed up with wave then stripe and 10 minutes later I was sending invoices and getting paid. I love it, anybody needing a payment service or cant decide on which one to try, give stripe a chance. It cant get any easier.

    • Emma Siemasko

      Gabby. I use Wave Invoicing with Stripe, too. Stripe integrates with Squarespace, Shopify, and tons of other sites. It seems to be becoming the industry standard. I agree that it’s worth a try :)



  • Daniel Blink

    What I am looking for in my payment collection is instant availability. I am leading quite a busy life and not always have a chance to be around my laptop. For this reason I use Paysera as they offer best mobile app for my everyday financial needs. It allows to control my account with a few clicks. I was using Paypal before but had many difficulties with their mobile application and resolving issues with their help center didn’t really work out.

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