If you have a website, more than likely you are in the business of selling products or services online. Your website must be beyond beautiful and functional, it needs to help you get paid. The PhotoBiz platform includes many options to get paid. You can sell images, products, and services, send invoices, and even collect payments while executing contracts online.
What do all of these tools and features have in common? You need to connect them to a merchant to process payments and receive money.
A merchant acts as a payment gateway to safely exchange what you sell for payment. The merchant's role includes securely processing important data like credit card information.Â
When you are ready to start collecting payments online through PhotoBiz, one of the first things you’ll want to do is set up a merchant.Â
PhotoBiz’s ecommerce tools integrate with the following merchants:
If you have an existing account with one of these merchants you can easily connect your account and start taking payments.Â
If not, keep reading to learn more about how the merchants compare.Â
Each merchant comes with unique features, specific fees, and options. For example, some merchants only process online payments, while others have offline options and point-of-sale terminals to serve your business in many different ways.Â
How do these merchants compare?
To help you learn more about these merchants and the different options they offer, we made a handy chart. We hope this will help you choose which one is best for you and your business:
| Merchants | Ecommerce Transaction Fees | Monthly Fees | Deposit Time | Point of Sale Equipment | Notes |
|---|---|---|---|---|---|
| Authorize.net | 2.9% + 30¢ per transaction | Yes | 2 business days | Compatible with select card readers |  If you process more than $500,000 per year, contact their team for tailored pricing |
| iTransact | 3.3% + 15¢ per transaction | Yes | 2-3 business days | Compatible with select card readers | Sign up directly through PhotoBiz control panel |
| Payflow Pro | 10¢ per transaction | Yes | Deposited in PayPal account in minutes | N/A |  Online only |
| PayJunction | 2.55% + 7¢ per transaction | Yes | 1 business day | 1 free EMV terminal | If you process above $10,000 per month, the monthly fee is waived |
| PayPal | 3.49% + 49¢ per transaction | No | Deposited in PayPal account in minutes | Integrates with third-party tools, such as Zettle | Customers will get taken to the PayPal site to complete their transaction, per transaction fees vary by country |
| Square | 2.9% + 30¢ per transaction | No | 1 business day | Free Square reader and point of sale app | Standard rates designed for businesses that process less than $250,000 per year |
| Stripe | 2.9% + 30¢ per transaction | No | 2-day rolling basis | Stripe terminals available for purchase in US and Canada | Sign up directly through PhotoBiz control panel |
Offline payment options
In addition to providing various ways to collect payments online, we also give you the ability to record payments that you collect offline. This can help facilitate receiving checks to pay an invoice, or allow someone to order online but pay for an item by cash when they pick it up.Â
While typically offline payments are used for accepting cash or check, we’ve also seen people use this creatively to collect money through payment or cash apps like Venmo and Zelle. These cash apps don’t directly connect to our ecommerce tools (yet), but if you are looking to collect payment through other means than credit cards consider using the offline payment option.
No matter what method you choose, we recommend collecting payments through a secure and trusted partner that allows you to efficiently track data and purchases!
Is there a preferred merchant option?
There are many different merchants available to choose from. They each have similar fees and options. Where they differ is how fast a payment may get to your bank account, or what point of sale tools they connect with.
Which merchant is the right one for your business? Well, that’s up to you. We want you to have choices about how you get paid.Â
The simplest and most streamlined option is Stripe. You can sign up directly through our control panel. When you are finished filling out their new account application, your account information will be automatically applied to your PhotoBiz account.
Need help with your PhotoBiz ecommerce tools? Check out the articles below for more tips on setting up products, packages, and services. If you need more assistance, give us a call at 866.463.7620 or log into your account to live chat with our team.
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FURTHER READING
What are the available merchants that I can use?
How do I update a Payment Status for an order?
How can I accept payments through a custom form?
How do I set my currency in my ecommerce?
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