E-commerce merchant account
A merchant account set up for card-not-present sales, so you can accept major credit and debit cards online and by phone.
Merchant account + payment gateway
The merchant account and payment gateway behind your online store
To take cards online you need two things working together: a merchant account and a payment gateway. E-Comm Link points Canadian online merchants to Concept Payments, which provides both, with fraud screening and reporting built in.
Competitive rates. Applications are subject to underwriting review and approval.
What you get with Concept Payments
Everything an online merchant needs to accept, manage and reconcile card payments, from one provider.
Payment gateway
Securely pass payments from your checkout to processing, with transaction management in one platform.
Centralized fraud control
Risk management and fraud screening tools help you review and manage suspicious transactions before they become chargebacks.
Payouts and reporting
Payout management and customized reporting make it easier to reconcile orders, refunds and deposits.
Set up your merchant account and gateway together
Start your application with Concept Payments today.
Merchant account vs. payment gateway
The two terms get mixed up a lot. Here’s the short version.
Merchant account
The account that lets your business accept card payments. When a customer pays, funds from approved transactions are settled through it and then paid out to your business bank account.
Payment gateway
The secure technology that connects your website’s checkout to payment processing. It sends the payment details for authorization and returns the result to your store in moments.
How it works
Here’s what applying for an e-commerce merchant account through Concept Payments generally looks like.
- Start your applicationClick through to Concept Payments and tell them about your online business, your website and what you sell.
- Underwriting reviewConcept Payments and its processing partners review your application. They may ask for details such as your refund policy or processing history.
- Integrate and go liveOnce approved, you connect the payment gateway to your checkout, test it, and start accepting payments online.
Frequently asked questions
Do I need both a merchant account and a payment gateway?
To accept cards on your own website, yes, you generally need both. Concept Payments provides merchant accounts and payment gateway services, so you can discuss them together.
What does underwriting look at?
Typically things like your business details, your website, what you sell, your refund and delivery policies, and any past processing history. Requirements vary, and Concept Payments will tell you what they need for your business.
How much does it cost?
Pricing depends on your business, sales volume and the services you need. Concept Payments offers competitive rates and explains the fees before you commit. We don’t publish rates here because they vary by merchant.
Will my gateway work with my website?
Tell Concept Payments what platform or shopping cart your site runs on. They’ll explain the integration options and what’s involved.
Is approval guaranteed?
No. All applications go through underwriting review, and approval depends on the outcome of that review.
Why does this site link to Concept Payments?
E-Comm Link is an affiliate (referral) site for Concept Payments Corp. If you apply or sign up through our links, we may receive a referral fee. We only refer to Concept Payments, so this isn’t an independent comparison site.
Get the merchant account and gateway your store needs
Start your application with Concept Payments, a Toronto payments company working with online merchants across Canada.
You’ll continue to the Concept Payments website. This is an affiliate link; see the disclosure below.