In PayPal, you are able to pay with CC and no account.

Is it possible to, login as client in your cart, pay invoice with the client's CC details?

Or, is there any free way to start accepting them?
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If you are gonna flame or just tell me that I'm cheap or there's not such a thing. GO AWAY!

Thanks WHT Users :agree:

Why don't you just send in a reminder to the client to pay the invoice? You can request payments via the PayPal interface, I'm pretty sure the client would get notice of you requesting payment.

PayPal do not send back to site any CC data. It is impossible.

well paypal won't give you your client CC detail then how come you use there credit card detail to charge them.

you can mail to them regarding renewal

Let me get this correct.

You are going to represent yourself to paypal as the client and offer the clients CC number as payment to yourself.

Is that correct?

If so there is a word for that practice.

That word is FRAUD.

Don't do it.

No, I want to be able to:

If the client wants to pay with CC, puts the details in WHMCS and I later charge it, because I don't really have the money for authorize.net plus mobile terminal.

With the customer next to me. Not for Internet payments. No fraud.

I don't want to force renew. Just be able to charge CC.

Again if you aré posting that BS, don't as I stated in first post.

You are missing my point.

In normal conditions in order for your client to pay by CC he would be redirected to paypal and he would pay there and the money would then be transfered to you.

You want to go to papal and pretend to be the client in order to pay. The fact that you are authorized to bill him is irrelevant. You cannot pretend to be the client in order to pay their bill.

When you use a virtual terminal paypal understands that you are submitting a bill on behalf of your client. When using your proposed method paypal thinks that the client is submitting the bill when in fact you are.

That is FRAUD.

Dont do it.

Again if you are posting that BS, don't as I stated in first post.

Just because you don't like my answer doesnt make it BS

But it doesn't help me with my quesion... I want to Charge free. I will use paypal that way anyways. But the client is the one that puts details. As we both will be next to each other when payment is made.

I don't understand.

As we both will be next to each other when payment is made.

If the client is sitting (?) next to you then why doesn't he pay?

Are my assumptions about what you want to do in post 5 and 7 correct?

You can't do this with your senario. You need PayPal Pro (https://www.paypal.com/cgi-bin/webscr?cmd=_wp-pro-overview-outside) - which you have to apply for. It takes a few days and they approve you. It costs around $30 a month for the bare minimum.. additional for fraud management, etc.

Once you have PayPal Pro you simply login to your PayPal account -> profile -> Virtual Terminal and enter the card details in (card #, CCV/CCV2, and expiry date) and PayPal will charge the card and then deposit the funds instantly in your PayPal account.


This is called a payment gateway, and is no 'easy' thing to get - it's a process that you must go through as you are handling real credit card information and potentially taking down a clients' credit card number over the phone and charging it directly yourself rather than him/her doing it themselves.

The process usually involves confirming address, name, date of birth, SSN/EIN, and company information.

Hope I helped! :cool:

You can't do this with your senario. You need PayPal Pro (https://www.paypal.com/cgi-bin/webscr?cmd=_wp-pro-overview-outside) - which you have to apply for. It takes a few days and they approve you. It costs around $30 a month for the bare minimum.. additional for fraud management, etc.

Once you have PayPal Pro you simply login to your PayPal account -> profile -> Virtual Terminal and enter the card details in (card #, CCV/CCV2, and expiry date) and PayPal will charge the card and then deposit the funds instantly in your PayPal account.


This is called a payment gateway, and is no 'easy' thing to get - it's a process that you must go through as you are handling real credit card information and potentially taking down a clients' credit card number over the phone and charging it directly yourself rather than him/her doing it themselves.

The process usually involves confirming address, name, date of birth, SSN/EIN, and company information.

Hope I helped! :cool:

this didn't help at all, I know it exists, I'm looking for a FREE solution, otherwise I'll just accept paypal

this didn't help at all, I know it exists, I'm looking for a FREE solution, otherwise I'll just accept paypal


There are no free solutions - this costs money to run for the person (in this case PayPal) who is processing the transactions. They charge a minimal amount, sometimes as low as $15/month.

this didn't help at all, I know it exists, I'm looking for a FREE solution, otherwise I'll just accept paypal

Then go accept only paypal and stop being rude to people trying to help you. If you can't afford $30 / month you shouldn't be in business.

Im kind of getting you,

So you can offer your clients a month to month service and charge them automaticly until they cancel? Something like "paypal subscriptions"

Best thing to do is, Get a business bank account and offering services via "Direct Debit"

No, I want to be able to:

If the client wants to pay with CC, puts the details in WHMCS and I later charge it, because I don't really have the money for authorize.net plus mobile terminal.

With the customer next to me. Not for Internet payments. No fraud.

I don't want to force renew. Just be able to charge CC.

Again if you aré posting that BS, don't as I stated in first post.

The customer is not beside the OP. The op wants to be able to charge a customer's card. This may be for innocent reasons but what they are suggesting would be open to fraud as the customer is not there to authorize the payment each time. A PERSON will have all the access to their CC data including the CVV code at the back.

I kind of doubt this will pass any kind of PCI Compliance check.

I have a manual terminal here that I can process payments through and not be in trouble. This is done without the cardholder here (but is authorized by them to recur), and is a "card not present" transaction.
The difference is, I'm not logging in as the customer to make that payment to myself. This is where you're going to have issues with fraud claims, even if you have their permission to bill each time. If discovered, you could be in a lot of trouble.

And may I know how much are you paying for that manual terminal?

I believe it's about $10/month, part of my merchant account with my local bank. We occasionally need to run charges in person with clients, so have this as one of the many costs we incur to operate.

See PayPal recurring billing information, may be this is help.

I believe it's about $10/month, part of my merchant account with my local bank. We occasionally need to run charges in person with clients, so have this as one of the many costs we incur to operate.

Well that's not a bad price every month.

I'm not looking for recurring charging, just a way to accept CCs

I'm not looking for recurring charging, just a way to accept CCs

Ah, so you just want to charge a clients' credit card if the client him/herself gives you access and permission to charge it? Such as calling in the phone and giving you the card number? If you want to take a clients' credit card and charge it pretending to be the client that is illegal and is considered fraud, even if the client may have authorized it. You can only charge the card as 'your business', such as: DELL COMPUTERS, INC.

That's totally possible (the legal route), just like bear said, you can go online and search for merchant accounts plus gateways for anywhere from $20-$200/month.

Most basic solutions (just to accept credit cards) are cheap - in the $20-30 a month range.

Here are some that come off the top of my head: PayPal Pro, Authorize.net, CDG Commerce. Those three are online-based, meaning they are not directly associated with your bank. They have 3 day payouts to your bank account (specified by yourself).


As an alternative, if you want a cheaper solution ($5-15 a month) open a business checking account at your nearest bank - ask them if they offer merchant accounts and gateway solutions. The money is inserted directly into your bank.

They show up as 'YOUR BUSINESS NAME' on the cardholders statement, a field you specify.

I know you want free - but is $10-30 too much a month? If you're only planning to charge one credit card for $5, I can understand. It's probably not worth it in that case. But if you are starting up a business it's always nice to keep a merchant account and gateway.

If you can't pay anything, a last resort would be something like Google Checkout, a service you can use that is free (they just charge fees per transaction) that is like PayPal, but is direct credit card only. You cannot charge the card though, rather you create an invoice and the client inputs the card information. You never see the information - which may defeat your purpose.

Good luck with your business. Let me know how your searching goes! :)

I'm 15..... Can't open things..,

I'm 15..... Can't open things..,

Right..with all due respect, no one is going to give you a merchant account to directly accept CCs. It needs an application as it's a big responsibility.