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Choosing one method over the other can mean very different business processes and funding times, so it’s important to research and determine the best option for your business.Visa, Master Card and American Express are among the most widely accepted credit cards.According to the same Fiserv research, between 20, there was a 72% increase in consumers making payments at both the biller and financial institute websites.You can outsource this feature to companies that specialize in online payment services, including hosting the payment form, providing the secure payment processing, and secure customer account storage.Depending on your provider, you can even customize the form to match your branding.

To offer this feature to your customers, you’ll want to decide whether to have your own dedicated merchant account or use an intermediary holding account.This method processes the payment electronically—without the physical presence of a paper check.ACH processing is governed by the National Automated Clearing House Association and has different transaction fees (often lower) than credit cards.Many merchants find they save time when accepting payments securely over their phone or through a payment schedule, that directly debits their customer’s bank account.Additionally, 46% of consumers surveyed by TSYS preferred to receive email communications about their transactions—making online platforms that manage cash flow attractive to merchants.

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Visa accounted for 47% of credit card transactions in 2015 with Master Card and Amex at 21% and 12%, respectively, nationwide.

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