Ecommerce Credit Card Processing

Accept Credit Cards on Your Online Store — Instantly, Securely

PayBito brings ecommerce credit card processing to your store — accepting Visa, Mastercard, and major cards alongside eight crypto checkout options, all from one merchant dashboard with zero code required.

Enable Card Processing Talk to Sales

● Card Processing Active

✓ Visa · MC · Amex Supported

4532 •••• •••• 7891

Card Holder

JOHN MERCHANT

Expires

09/28

Visa •••• 4521

Order #3041 · Summer Sneakers

$89.00Settled

Mastercard •••• 7832

Order #3042 · Canvas Backpack

$54.00Settled

Amex •••• 3010

Order #3043 · Wireless Earbuds

$112.00Settled

How Ecommerce Credit Card Processing Works

Connect Your Card Processor. Accept Every Major Card. Start Selling.

Ecommerce credit card processing is the infrastructure that enables your online store to securely capture, authorise, and settle card payments in real time. PayBito integrates your own card processor's network into your merchant account — no separate processor dashboard management, no extra developer work.

Retrieve Your Card Processor API Keys

Log into your payment processor's dashboard, navigate to API Keys, and copy your live keys for PayBito.

api_key_xxxxxxxxxxxx secret_key_xxxxxxxxxx

Enter Keys in PayBito Payment Settings

Go to Configuration → Payment Methods in your PayBito merchant account. Enter the Publishable Key and Secret Key under the Card Payments section and save.

Enable Card Payments in a Payment Options Profile

Create or edit a Payment Options Profile under Configuration → Checkout Templates. Toggle "Pay with Card" to Enabled. Attach this profile to your payment links.

Generate Links and Start Selling

Create payment links, embeddable buttons, QR codes, or email invoices from your product catalogue. Customers complete card payments through your processor's PCI-compliant checkout — funds settle to your merchant account automatically.

Why Process Cards Through PayBito

Your processor's global card network, your merchant dashboard. Accept Visa, Mastercard, American Express, and other major cards without leaving your PayBito account or managing a separate processor portal.

Cards alongside crypto in one checkout. Your customers see both payment categories — card and crypto — in the same checkout flow, reducing abandonment from missing preferred methods.

Per-profile card enabling. Toggle card processing on or off per Payment Options Profile — so your B2B invoice checkout can accept cards only, while your consumer store offers all methods.

Recurring card billing for subscriptions. Create subscription payment plans charged to a customer's card — ideal for SaaS products, memberships, and digital content stores that need recurring revenue.

Fee handling transparency. Choose globally whether processing fees are added to the customer's checkout total or deducted from your payout — applies consistently across card transactions and all other methods.

Visa

Mastercard

Amex

+ More

Part of Ecommerce Payment Processing — PayBito's complete guide to accepting every payment type in your online store.

Card Processing Platform Features

More Than a Card Gateway — A Complete Commerce Platform

PayBito's ecommerce credit card processing sits inside a full merchant platform — giving you checkout customisation, product management, analytics, and settlement tools alongside major-network card acceptance.

Card Processing via Your Own API Keys

Connect your live card processor credentials in Payment Settings — exactly as you retrieved them from your processor's dashboard under API Keys. PayBito handles the integration; your processor handles the card authorisation, fraud detection, and settlement.

One-Time & Recurring Card Billing

Create products with one-time pricing for physical goods or subscription pricing for digital products and memberships. Both billing types are payable by card — attach either type to any payment link, QR code, button, or email invoice you generate.

Per-Checkout Card Method Control

Create named Payment Options Profiles and independently enable or disable card processing, Brand Wallet, external crypto wallets, and guest checkout. A dedicated card-only checkout for enterprise buyers and a full multi-method checkout for consumers — both from the same merchant account.

Cart Discounts & Transparent Fee Routing

Attach rule-based Discounting Profiles (up to 50 rules per profile) to any payment link to incentivise card purchases. Set the Fee Handling policy — Customer Pays or Merchant Absorbs — globally across all payment methods including card transactions, applied uniformly at checkout.

Transaction Analytics & CSV Export

Track card payment volume, successful and failed transactions, and refunds across all orders from the Dashboard and Insights pages. View daily Merchant Overview charts, Transaction Volume breakdowns (card vs. crypto), and export all transaction records as CSV for reconciliation.

Post-Payment Redirect Templates

Configure custom success, failure, and cancel redirect URLs per payment template. Direct card buyers to a branded order confirmation page after successful card payment — and route failed card transactions to a retry or support page, keeping customers inside your store's conversion funnel.

All Payment Methods — Cards + More

Credit Cards Are the Foundation. Everything Else Is Already Included.

PayBito's ecommerce credit card processing doesn't ask you to sacrifice other payment methods. Every checkout also gives your customers full crypto checkout — no extra integrations.

Credit & Debit Cards

Connect your card processor's publishable and secret live keys to instantly accept all major credit and debit cards. Your processor's PCI-compliant infrastructure handles card tokenisation, 3D Secure authentication, fraud detection, and settlement — PayBito puts the results in your unified merchant dashboard, with one-time and recurring billing both supported in the same checkout flow.

Crypto Wallets (Alongside Cards)

Every card checkout also supports PayBito Brand Wallet, six External WEB3 Wallets (MetaMask, Trust Wallet, Coinbase Wallet, Phantom, Brave Wallet, TronLink), and Guest Checkout via address copy-paste — all toggleable per Payment Options Profile. Serve crypto-native customers without a separate checkout page.

Credit Card Processing Comparison

PayBito vs. Card-Only Payment Processors

Card-only processors give you cards. PayBito gives you cards plus every other method your customers use — from one merchant account.

Feature	PayBito + Cards	Card-Only Processor	Crypto-Only Gateway
Visa, Mastercard, Amex	Yes	Yes	No
Payment Links, QR Codes & Email Invoices	Yes	Varies	No
Multi-Wallet Crypto (6 wallets)	All 6	No	1–2 Wallets
Guest Checkout (No Wallet)	Yes	No	Rarely
Recurring Subscription Billing	Yes	Cards Only	Rarely
Cart Discount Engine (50 rules/profile)	Yes	Coupon Only	No
Product Catalogue & Variants	Full	Basic	No
Bank + Crypto Dual Settlement	Both	Bank Only	Crypto Only

Why PayBito

The Smartest Way to Add Credit Card Processing to Your Store

Your Processor's Network, Your Dashboard

Get industry-leading card acceptance, fraud tools, and PCI compliance from your own card processor — without managing a second dashboard. Everything flows into PayBito's unified merchant account.

Never Lose a Sale to Missing Methods

Card processing activates alongside full crypto checkout in the same checkout flow. Customers who don't have a card can pay another way — your revenue doesn't drop when one method fails.

Configure Once, Apply Everywhere

Enter your card processor keys once in Payment Settings. Enable or disable card processing per checkout profile. No repeated API configuration — your credentials work across every payment link you create.

Card Subscriptions + One-Time in One Place

Run SaaS subscriptions and one-time retail orders from the same merchant account. Both billing types accept cards — and both appear in the same transaction report with no separate reconciliation.

Products, Orders, and Settlement Together

Card revenue appears alongside crypto revenue in one Transactions view. One export, one settlement, one bank withdrawal — or split to multiple crypto wallets if you prefer.

Scale from Tier 1 to Higher Volumes

Card processing within your merchant account starts at Tier 1 ($1,000/day, 90 payments/month) post-KYB. Upgrade to Tier 2 from inside the dashboard as card transaction volumes grow — no migration needed.