Accepting credit cards on your site is necessary in today’s competitive market. All you need is a payment gateway and a merchant account. In this article, we will focus on highlighting three of the best WordPress payment gateways that will be easy to implement on your site. We will also highlight all the things you need to know, such as pricing, customer service, and security. Read on to make your choice of WordPress payment gateways less overwhelming.
If you are using WooCommerce, 2Checkout payment gateway by N-Media is a great choice. The user community has given it a 5-star rating, and it has been installed over 1,000 times. One of its coolest features is live currency conversion which is great for those who sell to other countries. Using the Yahoo Finance API, this plugin will automatically convert currency from US dollars to any other foreign currency using current conversion rates. You will be able to accept 8 different payment methods in 26 different currencies. With a 10-day money back guarantee, you can buy and try this plugin without worry.
There is a free version of 2Checkout, but at a dirt-cheap price of only $35, the Pro version of 2CheckOut is affordable for even the smallest businesses. If you are a developer, you can get a license for up to 5 sites for $105. N-Media offers “free updates forever”, so you don’t have to worry about dishing out extra bucks down the road.
N-Media provides forum and email support that has received great reviews from customers. They are fast with responding to customer questions, and providing solutions to any problems encountered. The forum has over 2,900 users. If you do run into a particular error, you can probably find the solution by searching the forums topics.
2CheckOut is PCI compliant, and is approved by the WordPress theme repository as a trusted plugin.
2. Ignite Payments
Ignite Payments is a great option if you need a merchant account in addition to a payment gateway. They offer a basic plan, and a Pro Plan, that both offer a payment gateway and a merchant account. If you are using Bigcommerce, volusion, FreshBooks, 3dcart, Shopify, or Magento, Ignite Payments provides easy implementation, great prices, and great features.
Since this solution provides both a gateway and a merchant account, you won’t pay for a gateway plugin. Instead, you will pay only merchant fees. The Basic and Pro Plans have no batch fees, annual fees, or any other type of fee. The only exception is the Pro Plan has a $19.95 monthly fee. However, the per transaction fee is only 1.89% + $0.23 in contrast to the per transaction fee for the Basic Plan of 2.9% + $0.30. If you have a large volume of transactions each month, the Pro Plan will be more economical, but the Basic Plan is a great solution for those with smaller sales.
Ignite Payments has their phone number prominently displayed on their site which eludes to a superior customer service experience. However, when we called them for more information, we were on hold for some time before receiving a recording to leave a message. While we have included Ignite Payments as a good option because of great features and pricing, if you are someone who feels they will need extensive customer support, Ignite Payments is probably not the best option.
The Web service API provided by Ignite Payments uses Secure Sockets Layer (SSL) technology that protects you and your customer’s data. In business since 1988, you can expect high standards and PCI compliance from Ignite Payments.
This plugin is also for WooCommerce users who need an all-in-one solution. You will pay a little more in merchant account fees in exchange for additional features like free technical and account support, fraud prevention, mobile payments, 2-day processing, automated recurring payments, and more.
The plugin is free to download, but you pay $10 per month for use of the gateway plus $0.10 per transaction. Most merchant accounts will work with the plugin if you already have your own. If you don’t, Inspire provides their own merchant services at three different pricing plans: Start Up, Small Business, and Venture. Monthly fees are $10, $25, and $30, respectively. Per transaction fees are 2.75% + $0.30, 2.6% + $0.30, and 2.45% + $0.25, respectively.
Inspire’s contact number is readily visible on their page, as well as a support email address. With over 1,000 downloads, the WordPress community has provided the Inspire Gateway with a 5-star rating.
Inspire is PCI compliant, but they insist you are PCI compliant as well (and you should be). If they find that you are not, you will pay an extra $19.95 per month as a PCI Non-Compliance Fee. They also give Card Tokenization as a value added service to safeguard your customer’s sensitive data.
Any of these three payment gateways will offer an easy-to-implement, robust solution for your website. Giving your customers a variety of payment options will help you increase sales, putting your business on the path to financial success. Start selling more with integrated online payments today! Just use the links above to choose one of these three options, then let us know below which you chose and why! We would also love to hear about other merchant options you recommend based on personal experience.