Online Payments

Online Payments for Canadian Businesses: The Complete 2026 Guide

Every way to get paid online, virtual terminal, payment links, hosted checkout, gateway and recurring billing, and how to pick the right mix for your business.

Armour Payments Editorial TeamMay 6, 20261 min readReviewed by Armour Payments Product Team
Armour Payments online payment gateway and virtual terminal

The short answer

You can take online payments without a website using a virtual terminal or payment links, or build a full checkout with a hosted page or gateway API. Add recurring billing for subscriptions. Choose based on how technical you're and whether you sell one-off or repeat purchases.

The five ways to get paid online

Online payment acceptance comes in five flavours. A virtual terminal lets you key in a card from any browser, no website needed. Payment links send a secure pay-by-click URL. Hosted checkout drops a ready-made, PCI-light payment page onto your site. A gateway API gives developers full control of a custom checkout. And recurring billing charges customers automatically on a schedule.

Most businesses combine two or three. Explore the full toolkit on online payments.

No website? Start here

You don't need a developer or even a website to take cards online. A virtual terminal handles phone and mail orders, and payment links let you collect payment by text or email in seconds. These get you live the same day.

Building a real online checkout

For an ecommerce store, you'll connect a gateway to your platform. We cover the cleanest way in connecting a payment gateway to Shopify, WooCommerce and Magento, and how to design the checkout itself in the anatomy of a high-converting checkout.

Getting paid on a schedule

Subscriptions, memberships and instalments all run on recurring payments. Combined with a customer vault, you can stop chasing invoices and let revenue arrive automatically.

Staying secure and compliant

Online means card-not-present, which raises fraud and compliance stakes. Protect revenue with card-not-present fraud prevention and demystify the rules in PCI compliance for small stores. Ready to start? Talk to sales.

Frequently asked questions

Ready to put this into action?

Armour Payments helps Canadian businesses save time and make more. Explore the solutions mentioned in this guide.

Online Payments: Complete 2026 Guide | Armour Payments