If you are a new business with an untested product range, consider using a well established third party credit card processor such as Paypal, 2Checkout or ClickBank while you test the waters, which will incorporate a payment gateway with a merchant account. Although their transaction rates are a little high, neither charge monthly fees, chargebacks or any of the other fees mentioned above. or ClickBank, Paypal and 2Checkout also incorporate shopping cart applications and other free tools as part of the deal.

Rushed decisions in choosing your ecommerce applications, elements and third party services will dramatically increase the likelihood of your business failure. This is definitely an area where if you spend the time fully investigating all the options open to you - you'll reap the rewards after implementation.

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