How do I accept online payments?

Sign up with a payment provider, complete verification, then add hosted checkout, payment links or an API integration to your site.

How long does online payment processing take?

Authorization completes in seconds. Funds typically settle to your bank within a few business days depending on region and provider.

What is the difference between online and in-person payments?

Online payments are card-not-present and need extra authentication and fraud checks; in-person payments use chip or contactless with the card physically present.

Can I accept international payments?

Yes. Everpay supports multiple currencies and local payment methods. See our guide on accepting payments internationally.

Accept Payments Online

Everything you need to accept payments online. Simple integration, optimized checkout, and powerful features to grow your business.

Global Payment Methods

Accept payments from customers anywhere with support for multiple payment methods and currencies

Credit & debit cards
Digital wallets
Bank transfers
Buy now, pay later

Mobile Optimized

Seamless checkout experience across all devices with mobile-first design

Responsive design
One-click payments
Digital wallets
SMS payments

Advanced Security

Enterprise-grade security with fraud prevention and compliance built-in

PCI DSS compliance
3D Secure 2.0
Tokenization
Fraud detection

Simple Integration

Get up and running quickly with our developer-friendly APIs and SDKs.

Direct API

RESTful APIs with comprehensive documentation

curl -X POST https://api.everpay.com/v1/payments \
-d amount=2000 \
-d currency=usd

SDKs & Libraries

Native SDKs for major programming languages

npm install @everpay/js

const payment = await everpay.createPayment({
  amount: 2000,
  currency: 'usd'
});

No-Code Solutions

Payment links and embeddable checkout

<script src="https://js.everpay.com/v1"></script>

<div id="checkout"></div>

Simple, Transparent Pricing

No hidden fees. Pay only for what you use with our competitive pricing.

Standard

3.95%

Per successful card charge

All major cards accepted
Instant setup
24/7 support
No monthly fees

Enterprise

Custom

For high-volume businesses

Volume discounts
Dedicated support
Custom integration
Free fraud prevention

How online payment processing works for modern merchants

Online payment processing lets your business accept cards, wallets, bank transfers and local methods on your website, in your app or through a payment link. Behind a single checkout button sit encryption, authentication, fraud screening, routing and settlement.

Everpay brings these pieces together so you can launch quickly and still keep control over cost, approval rates and customer experience.

What happens between the pay button and the confirmation page

Online payment processing is a chain of small checks that the customer never sees. When someone clicks pay, the checkout captures the payment method, the gateway tokenizes it, and a risk check decides whether the payment needs extra authentication. If it does, the customer is sent through a 3D Secure challenge with their bank.

Next comes authorization, where the issuing bank approves or declines. Approved payments are captured and then cleared through the card networks. Settlement is the final step, when funds reach your bank account, and it typically takes longer than the approval itself. The timing depends on your region, your provider and your risk profile.

Understanding these stages helps you diagnose problems. A failure before authorization points to checkout, tokenization or fraud rules. A decline after authorization points to the issuer. A delay in payouts points to settlement terms. For the full picture, see how merchant payment processing works.

How to choose the right way to take payments online

There are three common starting points. Hosted checkout moves the payment form to a page we run, which is the fastest route to launch and keeps card data off your site. Payment links let you sell without a website, by sending a link over email, chat or social media. A direct API integration gives your developers full control over layout and flow.

Many merchants use more than one. A store might run hosted checkout for most customers, payment links for invoices and phone orders, and the API for a mobile app. The right mix depends on your team, your catalog and how much control you need over the customer experience.

Whichever you pick, offer saved payment methods and wallets where they fit. Fewer fields at checkout usually means fewer abandoned carts. If you sell online and in person, compare online vs in-person payment processing to see where costs and risk differ.

Hosted checkout: fastest launch, lowest development effort.
Payment links: no website needed, useful for invoices and chat sales.
API integration: full design control and custom flows.
Saved cards and wallets: faster repeat purchases.

Common mistakes when setting up online payments

The most common mistake is treating the first working integration as finished. A checkout that approves test cards can still lose sales if it does not handle declines gracefully, show clear error messages or support the methods your customers expect in each market.

Other frequent problems are applying one fraud rule set to every country, skipping webhook handling so orders and payments drift out of sync, and using unclear statement descriptors that lead to avoidable chargebacks. Teams also forget to test refunds and partial captures until a customer needs one.

A short review after launch catches most of this. Check decline reasons, compare approval rates across markets and read a sample of failed checkouts end to end.

Showing a generic error instead of a useful next step after a decline.
Ignoring local payment methods in markets where cards are not dominant.
Skipping webhooks and relying only on the redirect back to your site.
Leaving descriptors and refund policies unclear to customers.

How online payments fit with the rest of the platform

Online checkout is the front door to the rest of Everpay. The payment gateway handles routing and retries, fraud prevention screens each payment, and global payment methods extend checkout to new markets. If you sell across channels as well, the commerce page shows how online and in-person sales can share reporting.

For a deeper look at taking payments across borders, read how to accept payments internationally.

How merchant payment processing works

Authorization takes seconds, clearing takes hours and settlement takes days. The gateway, acquirer, card network and issuer each play a part. Read the step-by-step guide to how merchant payment processing works.

Online vs. in-person payment processing

Online sales are card-not-present, so risk and decline rates are higher and authentication matters more. In-person sales use chip and contactless with cryptographic proof. If you sell both, a unified platform simplifies reporting; see omni-commerce and our POS solutions.

Checkout options

Use hosted checkout for speed, payment links for sales over chat or email, or embed the API for full control. All options support saved cards and wallets to lift conversion.

Best payment solutions for ecommerce businesses

The best solution combines high approval rates, local payment methods, fraud prevention and clean integrations with your cart. See the ecommerce solution and our buyer's guide.

Use cases

Accept payments on a website, app or through shareable payment links.
Charge recurring subscriptions with smart retry and dunning.
Offer bank transfers and local methods next to cards.
Send payouts to sellers, creators or suppliers.

Industries served

Ecommerce
Digital products
SaaS
Travel
Education
Nonprofits
Services