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International Friendly Payment Options?
olimits7




msg:4382575
 2:21 pm on Nov 2, 2011 (gmt 0)

Hi,

I currently use Authorize.Net and PayPal on my current ecommerce site, but sometimes these payment methods can't process international payments properly.

I'm trying to look for payment options that work without any issues on international order from mostly any country and that I can integrate with my website.

Currently I've been looking at Moneybookers and 2Checkout; has anyone had any experience with these payment options? Do they process your international orders properly, and do a good job protecting from fraud orders?

Thank you,

olimits7

 

Novus




msg:4382579
 2:29 pm on Nov 2, 2011 (gmt 0)

We're using worldpay and although I dont like 3rd party systems, we never have any probs with the processingof payments

Leosghost




msg:4382580
 2:32 pm on Nov 2, 2011 (gmt 0)

A vote for 2CO..

oliondor




msg:4382583
 2:34 pm on Nov 2, 2011 (gmt 0)

Also interested but I wonder if customers are going to try another payment method when the first one doesn't work ?

And Paypal should work everywhere, right ?

olimits7




msg:4382746
 7:27 pm on Nov 2, 2011 (gmt 0)

Thank you for the replies!

I've done some research online and it seems like AVS/CVV fraud checks usually don't work with international credit cards; is this true?

My main concern is to use a payment processor who can handle international credit cards and have fraud detection methods in place to keep fraudulent orders low.

I'll look into WorldPay as well; have you ever had any issues with international credit cards using WorldPay?

I've also reached out to CyberSource to see what they have to offer. Does anyone have any experience with CyberSource?

Thank you,

olimits7

jwolthuis




msg:4383002
 11:39 am on Nov 3, 2011 (gmt 0)

... AVS/CVV fraud checks usually don't work with international credit cards

I wouldn't say "usually", but a high percentage of International orders fail AVS, especially in Great Britain, where there is a huge disconnect between a Royal-Mail-standardized address, and the address customers provide when they place an order.

Regarding CVV, this verification usually works, and we won't accept an order without it.

... have you ever had any issues with international credit cards using ...

The biggest fraud-prevention technique you can employ is to simply not ship to 170 out of the 192 countries where fraud prevails. If you do not ship to any country in Africa, the Middle East, or the Eastern Bloc, you will eliminate 95% of fraudulent international orders. Exceptions to the rule exist, but if Ghana is in your country drop-down during Checkout, you are asking for trouble. Only ship to the 20-25 lawful countries that use credit cards (and whose mail system won't drop your package in the trash), and your selection of a Gateway becomes secondary.

The gateways are all hitting the same databases for AVS and CVV, and while their mechanical fraud-filters are better than nothing, you still need to perform a manual smell-test before you ship.

olimits7




msg:4383038
 2:03 pm on Nov 3, 2011 (gmt 0)

Yes, very true...

I'm trying to categorize each payment option that I've been looking at; let me know if this right to you.

Moneybookers / PayPal: I think these two are basically the same, but Moneybookers might do a better job accepting international customers?

WorldPay: I talked to them and I would use Authorize.Net as the internet payment gateway, and I guess WorldPay would be my merchant account/payment processor in 1 instead of using 2 seperate companies for each.

2Checkout: I know 2CO offers their own internet payment gateway, but I'm not sure where they fall as being a merchant account provider or payment processor. I'm not sure if they just use a payment processor like First Data or they have their own setup.

CyberSource: I haven't heard a reply back from them; so I'm not sure where they fall in this whole payment structure. Do they provide their own internet payment gateway or would I just use Authorize.Net? Are they the merchant account provider and payment processor in one company?

Each of these that I've spoke to say they have fraud measures in place besides using AVS/CVV. I like how 2Checkout outlines all the other tools they use to spot fraud orders.

Based on your experience, which one of these do you believe would be the best to use for international customers?

I guess there is also Google Checkout and Checkout by Amazon that I can look into as well, but don't know if they will be worth looking into for international customers.

Thank you,

olimits7

jecasc




msg:4383043
 2:26 pm on Nov 3, 2011 (gmt 0)

If you want to target europe, then moneybookers is a good choice, because they offer lots of local payment options you probably have never heard off. Like giropay, Maestro, Nordea, Carta Si and lots of others.

All popular and widely used locally but not available internationally.

[moneybookers.com...]

jwolthuis




msg:4383044
 2:27 pm on Nov 3, 2011 (gmt 0)

Regarding 2Checkout, please read their Supplier Agreement, located under "Documentation" on their Support page.

They are a "broker"; not a merchant account provider (MAP), nor a gateway to one. They "buy" the items from you, then immediately resell them to whoever visited your site.

You upload your "inventory" to their system, and any orders are technically sold to 2Checkout, with a ship-to address of the shopper. It's much more involved than simply establishing a merchant account with a bank, and tacking-on AmEx and Discover.

Based on my experience in the US, I'd go with PayPal Website Payments Pro. They accept payments in the top-18 world currencies, and the funds post to your PayPal account immediately.

If you also sell on eBay, you can use the same PayPal account to accept credit cards on eBay, using their Payflow Pro API (PayPal bought Payflow from Verisign 6 years ago).

olimits7




msg:4383069
 3:37 pm on Nov 3, 2011 (gmt 0)

I didn't get that impression with 2Checkout. I've been talking to a sales guy there and he hasn't mentioned anything regarding uploading an inventory feed to them.

Maybe you are referring to the "2CO Shopping" service they offer, but I'm mainly interested in using their "Online Payment Processing" service that they offer; just to process payments. Which I believe works like any other online payment method out there.

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