| 9:49 am on Nov 27, 2008 (gmt 0)|
Is this for a US merchant and needs recurring billing? If so you might want to look at somebody like authorize.net
| 8:46 pm on Nov 27, 2008 (gmt 0)|
Keep in mind that Authorize.net is only an electronic payment gateway, you would still need a merchant account. Paypal has the Payflow gateway that might be another option for you. Most of the gateways will have recurring billing for you - some charge and some will not.
If you are in the United States, you might see if CDGCommerce with their Quantum gateway can help you.
| 8:30 am on Nov 29, 2008 (gmt 0)|
I've been using alertpay.com for a few months. They're basically a carbon copy of Paypal.
I'd like to find more services like these for other alternatives. Any merchant account I come across - the fees amount to be more expensive than PayPal's (and/or require PCI compliance).
I could comply with PCI, but I want nothing to do with the customers # passing through my server. I'd rather send them off to the processor site and have them accept the risk. Why pay $40/mo and take that extra risk that there could be an undiscovered hole someone exploits?
| 4:01 am on Nov 30, 2008 (gmt 0)|
Your own merchant account at a bank with an inhouse gateway.
| 5:00 am on Dec 2, 2008 (gmt 0)|
My first question is monthly dollar volume. That will open and close an equal number of doors regarding monthly fees, transaction fees, and discount rates. We have recently opened a new merchant account(s) through the local bank that we run our LLC checking from. (Each website technically has its own merchant account with its own rate, even though it all eventually runs through the same LLC.) We've got some other accounts there as well and that doesn't hurt.
Made a very good deal all around except for getting completely ripped off on a POS terminal; which we didn't absolutely have to have, but got anyway. No fees for anything. Straight percentage based on average ticket of each merchant account. They took us to the cleaners on the POS terminal, but it's paying off okay. Plus, we can, if needed, run fifteen separate websites/merchant accounts through the one terminal and just switch between them which is cool, and I can divide the ripoff price:))
Very strict on PCI and have some specific requirements for the website and shopping cart that that are onerous and don't even make any sense. The illusion of added security. Oh, well, trade offs.