Picking a Payment Processor for Your WooCommerce Store
Jackson Dunagan
Digital Influencer, Speaker, & Founder of Bright Vessel | Bright Plugins | Bright Hosting | Co-Founder of Print Mavericks | Flawless WordPress management & plugins for eCommerce brands
Now that you've got your WordPress site set up and WooCommerce installed so that you can collect payments, you will need to select a processor for these electronic payments. Any payment processor or gateway will require you to set up an account, and all will charge fees. The payment companies establish these charges, not WooCommerce or WordPress. There are lots of options out there, and you'll need to consider which is best suited for your growing site and store.
Payment Processor for Your WooCommerce Store
Cost:
Cost is a consideration, of course. You may have to purchase software for your gateway. You may also have to pay setup fees for your account and monthly or yearly subscription costs. The processor will also collect fees on each transaction. Evaluate all the transaction costs, which can include authorization, address verification, and more, and they can stack up on each transaction. Look out for hidden fees, too, as they may apply to any transaction that is not a domestic, non-business, non-reward card. Currency conversion fees can also be quite costly.
Do You Have International Customers?
Make sure that all of your customers can pay you. Some processors or gateways only accept U.S.-based cards or accounts. This restriction can deter international users, and you never want to turn away someone who wants to pay! WooCommerce allows you to filter payment processing options by country. Check to see where your customers live and be sure that you can take their payments. You should, at the very least, be able to accept payments from three of the largest card issuers, debit cards, and PayPal.
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Do You Have an SSL?
You will also want to make sure, both for your sake and that of your customers, that your payment processing is secure, which requires an SSL certificate and compliance with PCI-DSS standards. Most reputable payment gateways can help you set these up. If you plan to offer subscriptions or other recurring payment schemes, choose a payment gateway that can handle that.
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