Accept Credit Cards Online (Jan 2023): The Best Way to Receive Payments in Any Country Using 2Checkout, Payoneer and InvoiceNinja

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If you come from a place like Pakistan, Peru or Belarus you know that running a business is a little limited when it comes to how you accept credit cards and payments through PayPal and other processors. This is troubling considering it limits options for your business, whether it be a service or product-based business. This means you must resort to an old-fashioned money transfer, which is tedious, time-consuming and expensive.

You may be surprised to know that hundreds of countries still remain unsupported by PayPal. Here's a look at the list of countries where PayPal is not supported, or where it's only somewhat supported:

AfricaAmericas Asia PacificEurope
Burkina Faso
BurundiBermudaBhutanFaroe Islands
Cape Verde
British Virgin Islands
ChadCayman Islands
Cook Islands
ComorosCosta Rica
CongoDominican Republic
KuwaitSvalbard and Jan Mayen
Cote d'IvoireEcuadorKyrgyzstanUkraine
DjiboutiEl Salvador
LaosVatican City
EgyptFalkland IslandsLebanon
GabonGuyanaMarshall Islands
Guinea-BissauNetherlands Antilles
MadagascarParaguayNorfolk Island
MaliSaint Pierre and MiquelonPapua New Guinea
MauritaniaSaint Vincent and the GrenadinesPitcairn Islands
NigerSolomon Islands
NigeriaSri Lanka
Saint Helena
Sao Tome and Principe
Sierra Leone
SwazilandWallis and Futuna

This seems unacceptable to me, and the idea presents severe cost problems for small businesses. The unfortunate part is that great people and ideas come from the countries on this list, so there should be no reason why they should be hindered in their ability to do their business.

To find a solution for this issue we worked through the kinks and figured out the most efficient way to accept credit cards online from any country by using some key ecommerce solutions.

Accept Credit Cards: what are we trying to achieve here?

Let's say you're working in Panama as a freelancer or contractor. You're trying to bill your client for the work you completed, but PayPal doesn't give you the opportunity to do so. Therefore, you need to figure out a way to present an invoice and a way for the client to pay you.

You need two things in order to make this happen:

  • A billing interface
  • A payment provider

The billing interface comes in the form of an invoice, where you set up an online document of all the services you performed, along with the pricing that correlates with those services. A Pay button needs to be listed on that invoice so that the client can submit the money.

The payment provider then takes that money and puts it in the account of your choice.

What Specific Tools Will You Need?

Each of the services listed above integrates in some way. Therefore, we'll cover how to do that in the tutorial below.

The Scoop on 2Checkout

Afghan Afghani (AFN)
Albanian Lek (ALL)
Algerian Dinar (DZD)
Argentine Peso (ARS)
Australian Dollar (AUD)
Azerbaijani Manat (AZN)
Bahamian Dollar (BSD)
Bangladeshi Taka (BDT)
Barbadian Dollar (BBD)
Belize Dollar (BZD)
Bermudan Dollar (BMD)
Bolivian Boliviano (BOB)
Botswana Pula (BWP)
Brazilian Real (BRL)
British Pound (GBP)
Brunei Dollar (BND)
Bulgarian Lev (BGN)
Canadian Dollar (CAD)
Chilean Peso (CLP)
Chinese Yuan (CNY)
Colombian Peso (COP)
Costa Rican Colon (CRC)
Croatian Kuna (HRK)
Czeh Koruna (CZK)
Danish Krone (DKK)
Dominican Peso (DOP)
East Caribbean Dollar (XCD)
Egyptian Pound (EGP)
Euro (EUR)
Fijian Dollar (FJD)
Guatemalan Quetzal (GTQ)
Hong Kong Dollar (HKD)
Honduran Lempira (HNL)
Hungarian Forint (HUF)
Indian Rupee (INR)
Indonesian Rupiah (IDR)
Israeli New Shekel (ILS)
Jamaican Dollar (JMD)
Japanese Yen (JPY)
Kazakhstani Tenge (KZT)
Kenyan Shilling (KES)
Lao Kip, Democratic Rep (LAK)
Kyat, Myanmar (MMK)
Lebanese Pound (LBP)
Liberian Dollar (LRD)
Macanese Pataca (MOP)
Malaysian Ringgit (MYR)
Maldivian Rufiyaa (MVR)
Mauritanian Ouguiya (MRO)
Mauritian Rupee (MUR)
Mexican Peso (MXN)
Moroccan Dirham (MAD)
Nepalese Rupee (NPR)
New Taiwan Dollar (TWD)
New Zealand Dollar (NZD)
Nicaraguan Cordoba Oro (NIO)
Norwegian Krone (NOK)
Pakistani Rupee (PKR)
Papua New Guinean Kina (PGK)
Peruvian Nuevo Sol (PEN)
Philippine Peso (PHP)
Polish Zloty (PLN)
Qatari Riyal (QAR)
Romanian Leu (RON)
Russian Ruble (RUB)
Samoan Tala (WST)
Saudi Riyal (SAR)
Seychellois Rupee (SCR)
Singaporean Dollar (SGD)
Solomon Islands Dollar (SBD)
South African Rand (ZAR)
South Korean Won (KRW)
Sri Lankan Rupee (LKR)
Swedish Krona (SEK)
Swiss Franc (CHF)
Syrian Pound (SYP)
Thai Baht (THB)
Tongan Paโ€™anga (TOP)
Trinidad and Tobago Dollar (TTD)
Turkish Lira (TRY)
Ukrainian Hryvnia (UAH)
United Arab Emirates Dirham (AED)
United States Dollar (USD)
Vanuatu Vatu (VUV)
Vietnamese Dong (VND)
West African CFA Franc (XOF)
Yemeni Ria (YER)


Step 1: Make a 2Checkout Account

The first step in this whole process to accept credit cards is to go to the 2Checkout website. Click on the Get Started button to start walking through the steps required to launch your account.

The next screen reveals three steps that you must complete in order to finish the process.

The first one asks for you to enter a username, email, website, password, and country. Agreeing to the terms of use and privacy policy is also part of the setup. Click on the Create Account button once that's all done.

Bare in mind your password needs to be at least 10 characters and contains a special character.

The next part asks that you complete an application for approval.

This really isn't that difficult of an application, but you'll need to fill out the country you're working in, along with some other personal details. For example, they'll ask for information about the business, industry, address, legal registration, company owners and some information in regards to your businesses refund and privacy policies.

What's handy about 2checkout is that it highlights how far along you are in the process of your application in the top right-hand corner.

Ensure you have at least one of the following things on hand before completing your application:

  • Photo ID
  • Utility Bill
  • Reseller agreement

You will only need a reseller agreement if you are selling on branded products.

After you fill out the application you can hit the Apply button.

It generally takes around 24 hours to hear back from 2checkout. They should send you an email regarding the status of your application, and you can also go to your dashboard to see if you're approved to sell and collect payments. If you are successful then you will see this information below on your dashboard.

Step 2: Make a Free InvoiceNinja Account

A few paid plans are offered through InvoiceNinja, but all you need right now is the free version. Go to the InvoiceNinja website and click on the Test Drive button.

Sign up using a social account or by entering your personal details and desired password. Hit the Save button when you're done. Firstly ensure that you have agreed to both the terms of service and privacy policy.

They will tell you that you're signed up for a Pro account for about two weeks, but then this account expires. This is because they want to show you the cool features you'll be missing out on with a free account. Don't worry about this, because your payment information is not required. Simply click out of the window to view your invoice creation page.

Step 3: Connect InvoiceNinja with 2Checkout

What to do in your 2Checkout account:

  1. Login to your 2Checkout account
  2. Go to the Account tab, and select the Site Management sub-categorysite management in 2checkout
  3. Find Direct Return, then select the Header Redirect (Your URL)direct return in 2checkout
  4. Click on the Webhooks button towards the upper right-hand corner of the pagewebhooks in 2checkout
  5. Select the Enable All Notifications optionenable notifications in 2checkout
  6. Save these settings

Most of the API information is not needed in your 2Checkout account, so you will be good simply setting up the following InvoiceNinja information.

What to do in your InvoiceNinja account:

  1. Go to Settingssettings in 2checkout
  2. Select Online Paymentsonline payments in invoice ninja
  3. Choose Add Gatewayadd gateway in invoice ninja
  4. Select More options from the Gateway optionsmore options in invoice ninja
  5. Select TwoCheckout as the Gateway (They spell out the “2”)select twocheckout in invoice ninja
  6. Find the Secret Word from your 2Checkout account. In your 2Checkout account head to Account > Site Managementsecret word in 2checkout
  7. Under Checkout Options look for Secret Wordsecret word
  8. Find the Account Number as well which can be found in the top right-hand corneraccount number in 2checkout
  9. Head back to InvoiceNinja and paste them in the boxes belowinput account number and secret word in to invoice ninja
  10. Hit the Save button

Step 4: Make Sure the Integration Worked

Before you can accept credit cards you need to see if the integration between InvoiceNinja and 2Checkout worked.

Go to your InvoiceNinja dashboard and start making your own invoice to test out. Fill in a fake service description, and feel free to type in things like the following:

  • Unit cost
  • Quantity
  • Subject line
  • Client
  • Due date
  • Invoice number
  • The invoice template you want to use

Keep in mind that none of the information you fill in really matters. It's just a test.

test invoice ninja

You may need to create a new client in order to send out the invoice. In this case, make sure the client email is your own. This way you can see if the invoice goes through by checking your own email inbox. After this is all done find the Email Invoice button (above) and click it. This sends the invoice to your inbox.

After that, we recommend checking to see if the whole payment integration worked out okay. You can open the invoice in your email and click through on the Payment button.

It's recommended you actually make a small payment to yourself to see how this works. For example, you can send yourself $5 to ensure that the whole integration is running right.

recent sales in 2checkout

After completing the test payment to yourself, go to the backend of 2Checkout. The dashboard has an area for looking at your recent sales. If that sale comes up as completed, you know that the integration between InvoiceNinja and 2Checkout is complete.

We recommend that you submit a refund so that you get your money back. Technically the money should be going into your own account, but there's no reason to have to wait around a few days to get your own money back. You're better off issuing a refund.

We'll talk about integrating with Payoneer below, but if you plan on using Payoneer for receiving money, you'll get an email that looks like this:

making a withdrawal

All you have to do is click through on the email in order to see the new payment.

The best part about the integration we're going to talk about below is that 2Checkout automatically sends the money from your 2Checkout account to your Payoneer account. It happens every week so you'll constantly have funds in your account.

So, technically you don't have to do anything to get the money in your account. However, the email below is an indicator that it occurred, and a way to click through and view the information.

Step 5: Connect 2Checkout to Payoneer

Although this is a pretty simple process, we wanted to give you a step by step look at what you'll need to do to connect 2Checkout with Payoneer. Remember that this step is optional.

  1. Login to your 2Checkout account
  2. Click on Account > Bank Accountbank account on 2checkout
  3. Find the Payment Profiles tab and click on Banking Wizardbanking wizard in 2checkout
  4. Select 2Checkout Re-loadable Debit Mastercard. Powered by Payoneerbanking profile in 2checkout
  5. Select your minimum Release Level in USDminimum release level in 2checkout
  6. You are then prompted to log in to your Payoneer account, and choose the account that you'd like to link to
  7. When you have done this you will see this on your Payment Profileslinking payoneer with 2checkout

Congratulations! You have now linked your Payoneer account to your 2Checkout account. Please be aware that it can take up to 48 hours for this to take effect.

What Fees Can You Expect from Each of These Services?

2checkout Pricing

It completely depends on the country you're doing business in when figuring out how much your rates are going to be with the 2Checkout payment processor. Luckily they have a rates page that allows you to flip through a wide range of countries to see the rates they offer.

2checkout pricing

For example, if you're running a business in Peru you'll see that the rates are currently at 3.9% + 45 cents per successful transaction. Processing more than $50k per month requires you to contact 2Checkout and figure out a more custom plan.

It's also worth noting that you should look out for the 1% cross-border fee if you're trying to accept payments from customers outside of the US. There are no monthly fees or setups fees, but chargebacks cost you $20, and conversions to your home currency incur an average fee of 2-5% above the daily bank exchange rate.

With 2checkout setup you can let your customers pay how they want, which allows you to accept credit cards, debit cards and PayPal without have any nasty additional fees on top.

InvoiceNinja Pricing

ninja pricing

The main reason we chose InvoiceNinja to use as your invoicing platform is because it integrates with 2Checkout. However, a close second is the fact that InvoiceNinja has a free account. You can work with up to 100 clients, and you get a bunch of other cool features like invoicing, accepting payments online, four free invoice templates, over 40 payment gateways and work time tracking.

Ninja Pro upgrades you to more advanced features, but you'll have to pay $8 per month. They also have an Enterprise version for $12 per month. Your best bet is to start out with the free version then move up from there.

With the Enterprise package, you have the option to pay annually and they will give you 2 months for free. Enterprise gives you the options to add custom backgrounds to invoices so is suited to companies who are very focused on their branding.

Payoneer Pricing

Creating an account and accepting payments through Payoneer is free!

Research has shown as well that Payoneer can save you up to 71% of the fees that you would pay through other payment options.

When you want to withdraw to your bank account in the same currency there is a fee and if it's in a different currency then there's a fee of 2%.

Payoneer fees

Over to You…

Now that you've had a chance to see how to accept credit cards online from any country, feel free to play around with the tools to see what else you can do with them. NinjaInvoice has some interesting options for things like importing expenses, setting up recurring billing and setting up alerts when you get paid.

Overall, the whole point is to replicate what you might find with the PayPal invoicing system. However, now just about every company in every country can get the same tools.

If you have any questions about how to accept credit cards from any country, drop a line in the comments section below.

header image courtesy of Matthew Lew

Richard Protheroe

Content Marketer at Veeqo. Veeqo allows you to link your Amazon Seller Central account with your other sales channels to better manage your inventory and shipping.

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