Accept Credit Cards & Payments Online | QuickBooks Canada (2024)

FAQs

How do I accept payments online in Canada? ›

VirtualMerchant Mobile gives you the ability to accept payments anywhere you go using your smartphone or tablet. The application works with most Apple and Android mobile devices. You can easily key-enter payment information or choose to add a secure card reader to process swiped transactions.

If you want to accept credit card payments, you can do it in one of two ways: merchant accounts or payment service providers. A merchant account is an account that you open with a bank to accept credit card payments.

The top five online payment methods for Canada: VISA, MasterCard, Interac, American Express and PayPal. Interac is a Canadian alternative payment method which allows shoppers to pay online through their trusted home banking application. Looking to accept these payment methods?

Major credit cards are accepted at most retailers across Canada, so if you have a Visa or a Mastercard, you shouldn't have any problems. Just make sure you have a credit card without foreign transaction fees.

If you want to accept international credit card payments online, you'll need a third-party gateway that's fully PCI compliant for security purposes. Many gateways provide additional payment options including digital wallets, cryptocurrencies, and recurring billing.

Sending money with a credit card can be convenient, but it typically comes with fees and higher-than-usual interest rates that can add up for big transactions. Apps like Cash App, PayPal and Venmo allow you to send money through their platforms with a credit card, while Apple Cash, Google Pay and Zelle don't.

How can I take a credit card payment online? ›

How can I take card payments online? Payment service providers, such as PayPal, Stripe and Square, allow you to accept card payments online. Simply open an account with one of these providers and include a link for your customers to pay.

While it is not possible to accept credit card payments online for free, there are ways to lower processing fees. It ultimately comes down to choosing a payment processor with low, competitive fees and the features you need for your business. This article was reviewed by our retail expert Meaghan Brophy.

However, you can still accept in-person payments without a card machine if you wish. Some PSPs offer a payment processing app that you can install on your smartphone to take card payments. Users can input a customer's card details manually or scan a QR code to facilitate fast, secure payments in person.

Open a merchant account with a payment processing provider. Download the provider's mobile payment app. Pair a certified Android or iPhone credit card reader. Swipe, dip, or tap customer's credit card to complete sale.

To accept credit card payments, your business needs a payment processor, POS hardware (if you're accepting in-person payments), online payment gateway (if you're accepting e-commerce payments) and a merchant account. Usually, you can get all of these components from the same provider.

If you do not have Autodeposit set up, select the link in the email or text notification you received from Interac. You will be directed to your financial institution's online banking service. If you were not expecting an Interac e-Transfer, confirm with the sender using another channel.

Get paid and go, with your Wise account.

Receive money from friends and family abroad, convert it in your Wise account and spend in Canada. Wise converts at the mid-market rate with no hidden fees.

As Apple Pay's e-wallet counterpart for Android phones, Google Pay is extremely popular and is likewise compatible with most Canadian financial institutions' credit and debit cards (the app provides a list of the financial institutions that can be linked; for example Simplii Financial was recently added).