Credit Card Payments Online

[skinner]

I wasn't sure where to put this: this forum seems as good a spot as any.

I have had several clients recently who wanted to pay me by credit card. So I'm exploring the possibility of installing a credit card facility on my website.

Does anyone have any recommendations here? There seems to be thousands of companies and they're all so different. I have no idea where to begin.

Heeeelp.

[WebSavvy]

I use 2checkout.com and paypal.com, they've both been around a while and are reliable.

Others might have other suggestions?

[skinner]

Thanks Deb! 2Checkout looks good. I'm a bit wary of PayPal since they changed their rules a couple of years back and impounded my money! It wasn't much, thank God, but it could have been. I'd rather pay a bit more and get a proper service. 2Checkout looks great.

[WebSavvy]

2co requires a one-time setup fee ($49.00) and their system is very easy to use. I've been using them for about 3 years now and have never had one chargeback with either them or PayPal.

[skinner]

Well that's reasonable for a small business or service and their per transaction rates are quite reasonable too. I don't suppose I'll use it much, but it's nice to have. I'm interested to see if it's true that having a credit card facility improves conversion rate. I rather suspect it is!

[ihelpyou]

Yes. You should have the ability to accept credit cards.

3rd parties are fine like 2 checkout, but I've used www.cardservice.com for almost 8 straight years now. Never a problem at all. www.linkpoint.com is their online processor. They set you up in about two days. This way you are a "real" merchant with your business name on your client's credit card statement.

[skinner]

OK thanks Doug. I'm checking this out too. :)

[Blue]

A third non-third-party option I can recommend is AuthorizeNet (http://www.authorize.net/).

If you don't do much volume you're probably better off using one of the third party processors though as otherwise you'll get eaten up in monthly fees.

One thing to note is that since ebay bought paypal I believe there have been really very few complaints with them.

[skinner]

Thanks Blue! This one looks interesting too. You're right to be assuming I probably 'won't be getting much volume through credit cards, but it's nice to have it for those who want it. :)

[Mary]

2checkout/paypal/cdgcommerce are good option for US, if you are located in EU/UK you can have a look at ChronoPay, worldpay respectively.

[Comeran]

We have used

Authorize.net - ipayment
PlugNPay.com - ipayment
2Checkout
Paypal

All have been problem free and great for us.

Com-

[WebSavvy]

Never heard of PlugNPlay. I'll have to check that one out. I have two that I use and am happy with (2CO & PayPal).

[WebSavvy]

This Site Is Under Construction and Coming Soon.

This Domain Is Registered with Network Solutions

[WebSavvy]

:doh: Stupid screen reader ... lol PlugNPay sans the "L" :rolleyes:

[Comeran]

Almost everything that we do goes with authorize/ipayment & paypal. A few sites had to use plugnpay for many reasons and they are almost exactly like authorize, they even have a mode that works just like authorize so if you have a script that works for authorize you turn that on and plug it in then it's done :p

I think authorize has more support and is a much bigger company, but I have always liked the underdogs!

Com-

[alpha1]

I have been using 2CheckOut for the last 4 yrs also. Been great and no complaints.. However I always wished that they offered a direct gateway to their cc processing instead of having to have our customers get redirected to their site and get redirected back to our site after they completed their payment.

Does cardservice or plugnplay offer this option. I know Authorize.net does but it's too expensive right now..

I think buying a shared ssl for $40 and being able to keep the customers always on our site will offer a better user experience.. no complaints though so far from customers..It's just me probably :-)

Thanks
Tom

[ihelpyou]

cardservice does for sure.

ANY REAL merchant will offer that. 3rd party firms you speak of don't offer that and are not as professional looking to a visitor.

2checkout, paypal, and all other 3rd party vendors are basically the same. I would never recommend using those as an "only" option on a business website.

[alpha1]

Thanks!.. I just checked out cardservice but they want me to contact them to get the pricing info...What is the annual cost to use them?

[ihelpyou]

NO idea. I havent' called them in 8 years about price. Calling is easy. :)

[Blue]

PayPal has a "Pro" version that allows your customers to stay on your site. It's $20/mo plus their normal transaction fees.

But I agree with Doug in that being a true merchant oneself is much more professional.

[PuneetJvw]

[URL REMOVED! READ THE GUIDELINES!] is good one.

Hi,,

I would recommend that you do not go for Paypal and Clickbank. I am warning you, if you do so you will loose your money sooner or later.

[PuneetJvw]

I would also like to add that many people have lost in 2checkout.com


Regards/Puneet M.

[Blue]

Originally posted by PuneetJvw
I would recommend that you do not go for Paypal and Clickbank. I am warning you, if you do so you will loose your money sooner or later. Hundreds of thousands, if not millions of folks use PayPal and have NEVER had a single issue with them. I am one. And I have been using them for many many YEARS.

When I used 2checkout, I never had a problem either.

[PuneetJvw]

Maybe you should visit paypal*****.com sometime.

[Quadrille]

maybe you need to research the matter.

Paypal has miilions of transactions every day, in half the countries of the world; a tiny proportion of them go wrong; no higher than any other payment method.

Granted, a few disaffected users make an awful noise - but if their websites and forum posts have anything to do with it, most of them are failed scammers anyway.

Paypal is regulated by the same controls as any other bank.

Stop listening to rumors - it gets you nowhere fast!

[PuneetJvw]

Domain is p a y p a l s u c k s . c o m.


Regards,
AHT

[Quadrille]

Mostly baloney; the rest is equally true of any other bank.

If there's a dispute, they win.

Tell me one bank where that does not apply?

But I repeat, the vast majority of paypal transactions are absolutely fine; I've bought and sold that way for years, never had a problem or come across anyone else who did.

Except scammers ;)

I notice you accept paypal payments on your site for your scamware .... Ever had a problem with it?

[Connie]

Q I think your wrong about PayPal being under the same regulations as banks in the US. They are not a bank. The last time I checked which was a couple of years ago they are not under the same regulations as a US Bank.

I have a PayPal account, and am a PayPal approved merchant. I personally do not trust them, and will only use them to transfer funds when absolutely necessary.

I would never use PayPal to receive funds. I have to really want something before I will pay for it with PayPal.

Yes I believe at least some of the horror stories. I belong to a very small group on online merchants. Many of them use PayPal exclusively. When 30 people out of 300 start posting the same complaints I think where there is smoke there is fire.

The group I belong to is not a bunch of scammers.

Some people never have a problem. Some do. People should hear both sides and then make their own decision IMHO.

[Connie]

Let me add that real merchants should have a real merchant account.

[polarmate]

Paypal is not FDIC insured.

The email address I have on my Paypal account is not available anywhere on the web. This email address is known to very restricted and trusted group of people. I have started receiving spam on that email address. :eek:

[Blue]

Originally posted by PuneetJvw
Maybe you should visit paypal*****.com sometime. Been there. Heard the horror stories. Wasn't impressed.

I suggest that if you have issues with Paypal that you take it up with the source.

IMO Paypal is as valid a payment processor as any bank, and, has the same issues as any bank. They ALL suck!

But that doesn't mean I won't use them (Paypal) because they work fine for me, and my clients/customers whom elect to utilize them over other payment processers on my sites.

I also agree with Connie in that a merchant should have a true merchant account.

More than one payment processer is however, IMO, the most user friendly offfering for all involved.

[Quadrille]

Originally posted by Blue
I also agree with Connie in that a merchant should have a true merchant account.

More than one payment processer is however, IMO, the most user friendly offfering for all involved. Agreed on both points.