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Are there any realistic alternatives to Paypal?
Oimachi2




msg:3690819
 1:25 am on Jul 5, 2008 (gmt 0)

A lot of payment sites are actually pretty "Mickey Mouse" and I don't trust them.

Any suggestions? I am also Canadian so USA only won't work.

 

Quadrille




msg:3690824
 1:46 am on Jul 5, 2008 (gmt 0)

I'm increasingly fond of Google checkout, which is quick and smooth and - so far! - glitch free.

I like it as a buyer as well as seller.

You only *need* paypal when you do a lot on ebay; then (despite the perennial arguments about whether to use it or not), you'd be fairly silly not to.

Oimachi2




msg:3690895
 5:33 am on Jul 5, 2008 (gmt 0)

Hi Quadrille,

Google checkout is only available in the US...this is enraging for Candians...

I need a Canadian solution!

callivert




msg:3690906
 5:57 am on Jul 5, 2008 (gmt 0)

this is enraging for Candians

Google had better watch out. Enraged Canadians are on the loose!

Oimachi2




msg:3691035
 12:38 pm on Jul 5, 2008 (gmt 0)

Very funny Calvert!

Canada is one of the most lucrative online market in the world...and the Canadian dollar is actually worth more than the greeback these days...

Sure if Google want's to spit on the hundreds of millions it could make with Canada that's fine. Maybe you are an employee of them?

;)

Cheers!

BananaFish




msg:3691076
 2:18 pm on Jul 5, 2008 (gmt 0)

Google had better watch out. Enraged Canadians are on the loose!

Laugh now, but just wait till a convoy of Ice Road Truckers decends upon Mountain View CA. Who will be the hosers then ayyyy?

jwolthuis




msg:3691081
 2:31 pm on Jul 5, 2008 (gmt 0)

Credit cards are an excellent alternative to PayPal. In Canada, they are often processed by Moneris, and PayPal Website Payments Pro is also coming to Canada this Fall.

Quadrille




msg:3691092
 2:47 pm on Jul 5, 2008 (gmt 0)

Google checkout is only available in the US

It's available in the UK; I'm truly amazed we got it before Canada. But it cannot be long, surely? Anyone got any inside info on that?

Pending Google coming to their senses, there's no *serious* rival to Paypal - credit cards are great, of course, but for small business, there's both a trust issue and a technology issue.

Technology - it's becoming clear that many 'secure' solutions aren't, and small business is a target for fraudsters.

Trust - many people just do not want to give credit card details to strangers. Amazon is OK, you and me are not. At the very least, they fear their email address is in danger. Third party folk like PP and GC means just one sign-up.

Doesn't Canada have one 'local' third party merchant services site?

Lord Majestic




msg:3691093
 2:48 pm on Jul 5, 2008 (gmt 0)

I'm increasingly fond of Google checkout, which is quick and smooth and - so far! - glitch free.

I am just finishing integration work with PayPal who I loath for big such a big company yet having bad documentation and poor test environment, however when compared with Google they have got one huge advantage - they will certainly not use transaction data from your site for any decision making that can affect stuff like say price of AdWords. Looking at newly released Google Trends it seems best to stay away from giving any seriously important data to Google - note how people who used "free" Google Analytics thereby provided information about traffic on their own sites to Google.

Other payment solutions seems either too expensive (WorldPay) or indeed rather mickey mouse or require mechant number. :(

pageoneresults




msg:3691096
 3:02 pm on Jul 5, 2008 (gmt 0)

I am just finishing integration work with PayPal who I loath for big such a big company yet having bad documentation and poor test environment.

I'll agree, the testing environment can be a bit "fickle" at times. :)

I too just finished a PayPal integration. We took a 100% "old school" PayPal setup and totally rebuilt it from the ground up. We got heavy into subscriptions and the "basic" PayPal methods just were not working.

So, we signed up for PayPal Pro, read every single page of the documentation, and then rebuilt what PayPal was doing in some areas. Tied all that in with the PayPal API and now we have 100% seamless integration into the site along with a store and subscription module that I'm sure PayPal would love to get their hands on. No way! We put too many hours into that. And we still are...

There are many alternatives to PayPal. But, I don't think there are many that provide the security and safety net to the extent that PayPal does from a global perspective. Google Checkout is the next best thing although it probably won't be long before they start making moves on PayPal, history has proven it time and time again. Google is ramping up for something really big in 2009. Nothing outside the norm I'm sure but I expect them to get more into the financial side of things in 2009. GoogleBank

Quadrille




msg:3691140
 4:23 pm on Jul 5, 2008 (gmt 0)

Looking at newly released Google Trends it seems best to stay away from giving any seriously important data to Google - note how people who used "free" Google Analytics thereby provided information about traffic on their own sites to Google.

Trust issues are central to any choice of partner, and I agree that if you don't trust Google, then you'd be unwise to adopt one of their programs.

Big companies are keen to emphasise Chinese Walls, but in every movie I've seen, Chinese Walls are paper-thin. Or thinner.

Personally, I'm quite happy for Google use any of my web info - and I do trust them with my personal info. But that's just me; your mileage may vary and the contents may settle in transit.

rocknbil




msg:3691201
 5:47 pm on Jul 5, 2008 (gmt 0)

A lot of payment sites are actually pretty "Mickey Mouse" and I don't trust them.

I've avoided this because I'm sure you're looking for a payPal model, but our merchant account/payment processor is indeed based in Canada. :-) I would take an SSL cert and a processor with an actual merchant account over a payPal model any time.

Most will say "can't afford it" but really, you can't afford NOT to.

Quadrille




msg:3691272
 8:13 pm on Jul 5, 2008 (gmt 0)

I would take an SSL cert and a processor with an actual merchant account over a payPal model any time.

As a seller, it's partly security, but partly a cost decision; the larger you are, the more attractive CC is, and less necessary the weirdness of ebay.

As a buyer, it's very much about security and convenience.

Many visitors still hesitate to give personal details to register to yet one more site; it's time wasting, and security promises vary so much, that the average punter really has no idea who to trust (the little green bar? sad but true).

As buyer, many times I've NOT gone for the best bargain; if Amazon or Paypal-friendly ebay is just a little bit pricier, then I consider the difference like I consider insurance. If it's a real bargain, then I'll take the risk, if it "looks" safe.

I've been buying for ten years, and buy more online than off - how many buyers are more careful than me? Most, I'd guess.

Oimachi2




msg:3691373
 12:13 am on Jul 6, 2008 (gmt 0)

Hi Quadrille,

Thank you for addressing the issue at hand:

ECOMMERCE SOLUTIONS FOR CANADIANS

Why are American companies treating Canada like Zimbabwe?(No offence to Zimbabweans of course!)

What about Germany, France, Japan?

Why is Google adwords only available for the UK and USA? What about Ireland, Australia ect...?

I just can't understand these large American companies...is it just ignorance? Or maybe arrogance?

Habtom




msg:3691524
 10:35 am on Jul 6, 2008 (gmt 0)

I would take an SSL cert and a processor with an actual merchant account over a payPal model any time.

...or both.

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