Philadelphia eCommerce Web Sites - Why We Love PayPal 1) Purchasers don't need to have a PayPal account   In the "old days" the only folks who could make a PayPal purchase from your eCommerce website were those who had PayPal accounts. No longer! PayPal has lifted the requirement making it easy for folks with a credit card to buy from your eCommerce website! That means you no longer need a merchant account/gateway to accept credit cards through your eCommerce website!     2) Reasonable Rates   Standard Rate Merchant Rate (qualification required) Monthly Received Payment (USD) $0.00 USD-$3,000.00 USD $3,000.01 USD-$10,000.00 USD Fees per transaction (USD) 2.9% + $0.30 USD 2.5% + $0.30 USD