What Is Online Payment And How To Pay Bills Online

Companies can allow their customers to use various means of payment to pay for their purchases, for example, cash, checks, bank transfers, or online bank cards.

Online payments by E-Complish for example, where customers enter their credit card information on a secure web page, have become popular in recent years. This phenomenon is explained by the ease and simplicity of online payments (especially during the Covid-19 pandemic) and by the speed at which merchants receive the money from their sales.

What Is An Online Payment?

The term “online payment” can refer to any means of online payment. However, in the context of this article, we are only referring to online card payments whereby the customer enters their credit or debit card information into an online payment portal or uses an alternative payment method such as PayPal. Also know Workers’ Message to Employers: Pay Up Now here.


Security is the primary concern of companies considering offering online payment. But do not worry. Online payments are made through secure channels and must comply with Payment Card Industry (PCI) data security standards. This standard helps protect businesses against fraud and data breaches. The online payment gateway immediately encrypts this data when customers enter their credit card information on a website to pay for a purchase. These coded data are then transmitted securely to the acquirer (e.g., Visa, Mastercard, etc.), who confirms with the cardholder’s bank that the payment can be made.

During this process, a 3D-Secure (3DS) message may be attempted where the cardholder must manually confirm the payment by opening their online banking application or entering a one-time access code received via SMS.

Once the bank and the cardholder have confirmed the transaction, the money is debited from the account. Although this operation seems complex, it only takes a few seconds and is completely secure. Online payments also reduce unjustified chargeback transactions since the customer must go through a certain 3D verification step to confirm their purchase intention.

Choosing an approved payment provider like SumUp to facilitate online payments protects your business and customers from fraud.

How To Accept Online Payment Of Your Bills

With some Invoices, you can create professional invoices in less than 1 minute and accept payment online. Simple and fast for your customers, this payment method is also advantageous for you since it allows you to receive your money the next day. Once payment is received, it will automatically match your invoice, saving you time manually reconciling payments.

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