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Other ways to accept credit card payments

One method is to outsource merchant service to a third party. The third party collects your customers' data and does all the work to process payments for your small business.

Another way to collect credit card payments on the web is called “deferred payment processing”. The customer inputs all data and you receive the data manually. With deferred processing, the data does not go through the gateway. An advantage to deferred processing is the ability to inspect all orders and correct them. A disadvantage of deferred payment processing can be time-consuming especially if you have hundreds of orders per day.


Hence, finding the best merchant service option can be overwhelming. Review your options and make the decision based on what your customers would prefer and your small business can afford.