Use PayPal to Accept Credit Card Payments

Back in the days before disco (and even later!), being able to accept credit cards took a lot of work and planning—banks, machines, convoluted software-telephone interfaces to manage, and steep fees—but now, affordably accepting credit card payments couldn't be easier with the advent of PayPal ( Whether you want to accept credit cards, e-checks, or instant bank transfers, PayPal lets you do it with one simple, cost-effective solution.


  1. Go to PayPal. This link takes you to the merchant page where you can review the various plans, and learn more about the service.
    • Prices range from $0 a month through $30 a month, plus transaction fees, which are currently 2.9% + $.30 per transaction, as of August, 2012.
  2. Sign up for PayPal. If you do not have an account, complete the registration process for either a Premier Account or a Business Account. A Business Account will also let you have multiple users access your account with permissions that you set.
    • Log in, if you already have an account.
  3. Increase your spending and receiving limit. Click on Status Not Verified. Here you can enter your SSN or driver's license number and you will have unlimited spending and receiving amounts.
  4. Click on Merchant Tools. Under Accepting Website Payments, click Buy Now Buttons.
  5. Enter your product information. You can change the button style used and add more options such as color, size, etc. When finished click 'Create Button Now'. The next page tells how to place the button on your website or within an email.
  6. That's it! It's that easy. You are up and running. You can create as many buttons as you want for your products. There are also lots of other solutions available so you can send invoices for your products or services, and even have a shopping cart with a 'View Cart' button.


  • PayPal also offers a free card reader for your smart phone so that you can swipe cards instead of entering in numbers. Direct transactions also feature lower fee—2.7% rather than 2.9%.
  • PayPal accepts Visa, Mastercard, American Express, Discover, and of course, PayPal
  • Check out all of the tools that are available. There are lots of options for small businesses and you do not have to have a credit card to have a powerful PayPal account!

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