Online Credit Card Processing

Discover, MasterCard, Visa, American ExpressACH

Do you want to accept credit cards online, in real time? ITS has established relationships with two major online credit card and check processing firms. Normally, to process online transactions you will need to sign up with a Payment Service Provider (gateway) as well as obtain a credit card Merchant Account that is supported by that provider. Our partners roll that into one package, lowering your costs and easing setup and support. If you already have an existing credit card merchant account for retail sales, you may be able to use that same account. Please contact ITS if you have any questions about this process.

  PayPal Standard PayPal Pro Authorize.Net
Setup none none $149
Monthly Gateway Fee none $20 $20
Discount Rate
(US cards, Qualified)*
2.9% (under $3,000/month) 
2.5% ($3,000 to $10,000/month)
2.2% (over $10,000/month)
1.9% (over $100,000; not virtual terminal)
Monthly Minimum
Discount Fee
none none $25
Per Transaction Fee $0.30 $0.30 $0.35
Monthly Statement Fee none none $9.95
Requires PayPal Shopping Cart yes no no
Use Your Own Shopping Cart no yes yes
Accept Phone/Fax/Mail Orders
with Virtual Terminal
$20 per month yes yes
Money Deposited to
PayPal Account*
yes yes yes
Money Deposited to
any Checking Account
no no yes
Est. Cost for $500 sale $14.80 $14.80 $12.30
Est. Total Monthly Cost for
$2000/month, in 20 Transactions
$64.00 $84.00 $84.75
Application Link Apply now! Apply now! contact ITS

*Merchants can apply to decrease PayPal's discount rate after 90 days if monthly volume is over $3,000. Sales receipts from PayPal are deposited to merchant's PayPal account, which can earn interest if upgraded to a money market account. Money can be transferred to any bank checking account at any time.

Sign up for PayPal and start accepting credit card payments instantly.

If you would like to provide online commerce but are not sure your programming skills are up to the task, ITS can assist with integrating automatic, real-time credit card processing into your site. Or you may wish to investigate our e-commerce hosting solutions, which provide users with easy to use storefront software that can be configured using just your web browser. Our partners provide:

  • Secure transaction environments processing millions of dollars each day
  • Support for Visa, MasterCard, Discover, American Express, and ACH (electronic payment via checking account)*
  • Compatible with most e-commerce shopping cart solutions**
  • Compatible with any custom programming checkout solutions**
  • Customer support
  • Online transaction history
  • Credit-back/refund options
  • Authorize-and-capture for later settlement**
  • Automatic fraud detection
  • Recurring payments

* Sign up to accept Discover and American Express cards with Authorize.Net
** not available with PayPal Standard