How to Accept Credit Card Payments on a Website?

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Do you know that you can easily make your website as a payment gateway? By default, your WordPress site does not come with credit card payment options, but there are many plugins and tools that can help solve that. In this article, I will show you how to accept credit card payments on your WordPress site.

Note: Make sure that your website is enabled with HTTPS/SSL to accept credit card payments.

Accepting Credit Card Payments Without Shopping Cards

Normally, your clients don’t want to set up a full-fledged shopping cart to accept credit card payments. This makes a lot of sense especially if you’re only selling a product or a service to accept payments.

To expose you to more opportunities, here are 5 ways shown in the videos below.



In this tutorial, we will be focusing on how to enable Stripe along with the Add-ons. What you need is an online order form with a credit card payment option.

Here is how you can easily accept credit card payments without adding a shopping cart to your website.

The first thing you need to do is install and activate the WP Form plugin. For more details, see our step by step guide on how to install a WordPress plugin.

If you are using, then you cannot install plugins. So you will need to move from to

WPForms is the easiest and the most beginner friendly WordPress form builder plugin. While they have a Lite Version that’s free, you will be needing their PRO plan to access the payment add-ons. Look at the pricing plans below:

The Pro version includes every feature you need along with the Addons and Stripe for activation of your payment cards.

Upon activation, you need to visit WPForms » Settings page to enter your license key. Find that information in your WPForms account area.

Enter your license key

The next step you need is to head over to WPForms » Addons page and locate the Stripe addon. Go ahead and click on the ‘Install Addon’ button and then clicking on the ‘Activate’ button.

Install Stripe addon for WPForms

The Stripe is a credit-card processing platform that makes it easy for businesses to accept payments on their website. WPForms makes it easy to connect your WordPress website to Stripe which is just amazing!

After the Stripe addon is activated, you need to connect WPForms to your Stripe account. To do that, head over to WPForms » Settings page and click on the ‘Payments’ tab.

WPForms payments settings

And then enter your Stripe API keys. Find this information in your account settings on the Stripe’s website.

Always remember to click on the ‘Save Settings’ button to store your changes after entering the API keys.

So now your WPForms is ready to accept credit card payments. Next, we will create an online billing form that you can add to your website for accepting credit card payments.

To do that, head over to WPForms » Add New page. From here you need to give a title for your form and then select ‘Billing / Order Form’ template as shown in the image below:

Creating a billing form

You will also notice that WPForms pre-load the form builder with a billing/order form template with commonly used fields. Find the adjustment you want and click to edit any form field according to your preference. Find also add new fields from the left column.

Editing order form

Next, scroll down to the Payment Fields section in the left column. From here you can add payment related form fields.

Find the add ‘multiple items’ as well as ‘single items’ that users can order. Find click on the item field to change item details and pricing.

Add credit card field

After editing item details, click to add the credit card field to your form shown by the arrow above.

This is how you set up your form. Next, let’s enable payments for this form. To do that, you need to click on the Payments tab on the left and then select Stripe shown below:

Enable Stripe payments

You will need to click on the checkbox next to ‘Enable Stripe Payments’ option and provide a short description of the payment. Optionally, you can email receipt to your users by selecting the email field from the drop-down menu.

Next, you may want to receive an email notification for new orders and purchases. So go ahead and enable a confirmation email to notify the user that you have received the order.

Setting up Notifications for Your Billing Form

Start with clicking the ‘Settings’ tab on the left and then select ‘Notifications’. You will observe that WPForms has already created a notification that sends an email to your WordPress admin email address when a new order is placed.

Notification settings

Find edit and re-edit the notification message. For instance, you can provide additional email addresses, change email copy, subject, etc.

When you want to send a separate notification to your users, then you may click on the ‘Add New Notification’ button and add what you want to send.

The system will ask you to provide a name for the new notification. Let’s call it ‘Customer Notification’. After that you will see the notification fields that you can edit as indicated by the pencil icon below:

Creating new notification email

Find click on the ‘Show Smart Tags’ link next to ‘Send to email address’ option and select the ‘Email’ field. This allows WPForms to use the email address that your customer provided when submitting their form.

Editing new notification email

Find also use smart tags to use the form fields submitted by the user to add item details, user’s name, and other personalized information.

Once you are done, you can click on the save button at the top and exit the form builder.

Save and exit form builder

Your online credit card payment form is now ready for use, and you can add it to any WordPress page on your site.

Simply edit a page or create a new one, and then click on the ‘Add Form’ button above the page editor and that’s it.

Add your credit card payment form to a WordPress page

This brings up a popup where you can select the order form and click on form button to continue. WPForms will now enter the required shortcode to your post edit area.

Find now save or publish your page and click on the preview button to see your form in action and recheck it for any additional information.

Don’t forget to test your form to make sure everything is working fine. If you are unable to send or receive email notifications, then follow the instructions given in the guide.

WPForms is simple to use and a convenient way to accept credit card payments, and it is also the easiest way to create just about any type of form in WordPress. WPForms has over 1 million active installs and a 4.9 out of 5-star rating average.

Using PayPal Addon

You also have another option to use PayPal to accept credit card payments by using the WPForms PayPal addon.

But a simple payment form isn’t a perfect solution for everyone. Based on regional restrictions and other issues, you may need a different solution for accepting credit card payments on your website.

Here are some other ways to accept credit card payments in WordPress.

Accepting Credit Card Payments in an Online Store

If you want to add a shopping cart and sell multiple items, then you need an eCommerce plugin let’s say, WooCommerce. It is the best eCommerce plugin. WooCommerce makes it easy to sell things online and accept credit card payments.

WooCommerce payment settings


For complete step by step instructions, refer to this guide on how to open an online store in 6 simple steps.

Accept Credit Card Payments on a Membership Website

If you want to build a membership website to sell membership subscriptions and paid content, then you can try using MemberPress and check out their pricing as well. Checking out this site will definitely expand your online horizons and make you a Pro.

It is a very powerful WordPress membership plugin that easily integrates with Stripe, PayPal, etc. to accept credit card payments on your website.

Here is a complete guide that you can follow and duplicate on how to create a membership website for free and keep yourself ahead in the competition.

Find much more benefits by checking out how to sell online courses with WordPress with step by step instructions.

I hope this article helped you learn how to accept and process credit card payments in WordPress. You may also want to see what is CDN and which one is free?

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31 thoughts on “How to Accept Credit Card Payments on a Website?”

  1. JIT (Just In Time) have been looking at various options as I begin to set up my blog for payments.

    Looks like you have provided the needed information so now I can proceed setting every thing up.

    Seems you have done a good job of researching. Thank you

  2. Hi Barry, you are most welcome. Go ahead and set up one for yourself by following the information shown.
    You may also shout out for help in the case of need.

    I wish you a HUGE Success in your online journey.
    Do keep checking for more updates.


  3. This information is coming handy just in time!
    I was wondering how bloggers accept payment for their digital products or services.
    And considering I’m thinking to create a product myself in the near future, I really needed to know that.
    You explained everything in so many details, now it just looks so easy!
    But I’ll bookmark the page just in case…
    Awesome article, just like all of your work.
    Thanks for sharing!

    • Thanks, Boby for your comment. Seemingly difficult things melt as we advance our search and learning curve.

      Go ahead and mark the post for your future reference.

      Wishing you a HUGE success in your online journey.

  4. Great post! This is something that I was planning to look into in the coming months, so this is very timely.

    Is Stripe available to everyone? Or only the USA? I have heard different stories in different blog posts. Any help is appreciated.

    • Stripe isn’t available right now for certain countries like the Philippines and India but will soon be incorporated. Fortunately, Stripe was launched in 2017 for the Indians before which PayUmoney was the payment gateway.

      You may also check the non-available entity from Mighty Google for more information on that count.

      Thanks for leaving your comment.

      All the best.

  5. This is very well detailed and something I might need later on as I venture into selling my own products online in one of my few niche sites. Thanks for the overview, as I’m the type of person who likes to install something while having a nice how-to article in front of me and following step by step, double, and sometimes triple-checking to make sure I’m doing this correctly. Thank you for this article.

  6. If you are looking for incorporating your own or other’s product, you definitely need this Payment Gateway. Fortunately, Stripe was launched in 2017 for the Indians before which PayUmoney was the payment gateway which also shows whether you are in a country with the facility like the USA.

    Please check and set up one to take your awesome business to the next level.

    Thanks for leaving your comment.

    All the best.

  7. This is what i am looking for, thanks Phomrong!
    I would like to incorporate something to sell in my site. Reading this is the answer to all the questions in my head.
    It is very detailed too.
    This article is very helpful for me.

    All the best!

    • That sounds quite encouraging and confirms that the hard works put into it aren’t wasted. Go ahead and create a payment gateway to take your business to the next level.

      Meantime, keep checking for more tutorials and updates in the matter.
      Wishing you all the best of health and success.

  8. Very helpful information! I know that Stripe and PayPal are both fantastic payment processors to have on one’s site. I always find out something new when I read posts like these, thanks for the detailed article!

    • it’s good to know that you found out something new from this post. Stripe and PayPal are great payment gateways which most of us don’t see and appreciate.

      Thanks for leaving your comment and I wish you lots of success.

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