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Online Merchant Accounts

Are you considering selling products or services online? Here you will find information on online merchant accounts, payment gateway accounts, and SSL Certificates. If you are new to selling via the web, consider the Integrated Payment Services (IPS) online merchant account. For a full-service online merchant account, choose Cardservice International.

Home Business

If you have a part-time business, a home business, or an eBay Store, PayPal is a good way to collect payments for your products or services. PayPal collects the money for you through their online merchant accounts and gateways, deducts the discount rate and per transaction fees and posts the remainder to your PayPal account. You then transfer your money in your PayPal to your checking account online.

Small Business

If your business is more involved, the Integrated Payment Services (IPS) online merchant account may be right for you. This online merchant account include the payment gateway and you have the option of connecting your shopping cart or using a virtual terminal. Monthly purchase limits apply.

To apply for an IPS account or to ask questions, call ReaLife WebDesigns at (310) 371-3275 M-F, 9:00 a.m. to 4:30 p.m. PST.

Full-Scale Business

For an online merchant account without purchase limits, choose Cardservice International.

All fees and features for online merchant accounts and gateway accounts are for comparison purposes only and are subject to change without notice.

PayPal.com

Buy and Sell using
PayPal's online merchant account
Setup Fee: none
Monthly Fee: none
Discount Rate: 2.99%
(less as sales dollar volume goes up)
Per Transaction Fee: 30¢
Gateway Fees: included
Shopping Cart: easy links
(PayPal.com collects data)
SSL Certificate: not required

Learn more about PayPal's online merchant account system.

Integrated Payment Services (IPS)

Merchant Accounts
(online merchant account and gateway combined)
Setup Fee: $149.00
Monthly Fee: $29.95
Discount Rate: 2.39% Visa, MC, Discover
Per Transaction Fee: 35¢
Gateway Fees: included
Shopping Cart: not included
Virtual Terminal: included
SSL Certificate: required
Maximum per Month: $20,000
Maximum per Transaction: $2,000
Refund Fee: 35¢

To apply:
Call ReaLife WebDesigns
(310) 371-3275
M-F, 9:00 a.m. to 4:30 p.m. PST.

Full-Service Online Merchant Accounts

Ready for a full-service online merchant account? Here are sample fees typically associated with online merchant accounts. Call your financial institution to compare their online merchant account fees. If you already have a conventional merchant account, your financial institution may allow you to add an online merchant account.

All fees and features for online merchant accounts and gateway accounts are for comparison purposes only and are subject to change without notice.

Cardservice International
Online Merchant Account


Setup Fee: none
Monthly Fee: $10.00
Discount Rate: 2.47%
Per Transaction Fee: 25¢
Monthly Gateway Fee: $19.95
Shopping Cart: not included
SSL Certificate: required
Apply online

Your Financial Institution's
Online Merchant Account


Setup Fee: ask them
Monthly Fee: ask them
Discount Rate: ask them
Per Transaction Fee: ask them
Gateway Fees: ask them if included or not
Shopping Cart: necessary to collect data
SSL Certificate: typically required

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