|Need Suggestion on Ecommerce Solution?|
I am concluding the development of my site, and it will be a fee based site. I am charging a monthly fee, that I would to be able to set up a recurring charge on a credit card if possible (as I believe this will be the easiest way for both the customers and myself).
I have looked into echo and they seem to be a pretty viable solution, as does paypal.
I will be charging less than $6 per month for the customer, FYI.
Any help would be appreciated. I am looking for a combination of most inexpensive (fee wise) and easiest for the customer to use.
Also because I will only have one "product" so to say, is a shopping cart system needed?
I do not know of a system right off the back that will let you do reoccuring charging. However, you might ask the webmaster of a few porn site. Their particular slice of the web uses that feature quite often. Their is a problem though. I happend on this bit of triva in a news group. They are coming under fire because they do not make it easily accessible to turn the feature off.
Talk to Worldpay. They can offer that feature.
worldpay.com and 2checkout.com both offer repeat billing. 2checkout.com is cheaper to set up but more expensive per transaction. there are a few other options out there. work out transaction charges etc for the income you expect before you sign up to anything.
Thanks guys for your input, but from looking at the two you all suggested, worldpay and 2checkout, they are a lot higher in per transaction fees than echo.
I don't want to put echo's URL here as I think it would be edited, but can I get you both to look at echo and tell me if it is missing something that I cannot see?
Email me and I will email you the link.
I had a look, (searched for Echo payment solution on google), and notice that they only deal with US companies. I could not use them, as i am not in the US!
Had a browse round, and a couple of things i could not find, (sure they are there!), but you need to consider:
1) Do you pay for ALL transactions, including fraud, or just the ones you accept? (Many people will not admit it, but there are plenty of fraudsters out there trying to test cards and buy services.)
2) Are there plenty of checks done on the card holder/customer. Not just, "are there funds in the account", but have they given a correct address, postcode etc. Otherwise, you get so many chargebacks, the bank will close you down.
An extra % or so on the rate is Nothing , if you are consistantly ripped off. Not just the money, but the time and bandwith. (Painful when you are nudging over a new bandwidth payment level, and some sd is at your store every day with 25 cards to check for his mates!
Hope this helps
I think that all my transactions will come from inside the U.S. At least for the first year or so of the site as I try to grow it out. But I don't see much activity coming from other countries except maybe Canada, as my target market is mainly small business owners.
I am glad you brought up those two points. I would never have thought about that. I need to ask about paying for ALL transactions. I assume when you say checks you mean contact info verification, in which I think that there are, but that is another great question to ask them.
My only concern with echo is that I need to write some sort of code which will take the information from the "shopping cart" to their transaction area. I don't really understand this part, but I have a really good friend programmer who I think won't have any trouble with this. He has dealt with ecommerce things before but with more established companies.
Again thanks for the insight, any other tips would be great.
Another great tip....
good Luck :)
I think ibill.com offers recurring/subscription billing... but I haven't looked around for info on that for a while.
Don't forget Paypal. You can create recurring billings through them as well.
Do you use Paypal? If so can you talk a little about your experience with them and if any of your customers would not use paypal?
Also, the issues that George spoke of above, do you know how paypal handles those?
If your "product" can be delivered over the www try [about.ccbill.com...]
Opulyst, I've used Paypal successfully for 1800+ transactions. Only Paypal disadvantage is the customer sign up requirement. And more generally, some customers fear having their CC details stored on any internet server. But it sounds your subscription service would filter out the fear/ignorance factor since they would be somewhat tech savvy?
In the Paypal "Profile" section, you can configure an acceptable risk level. You can choose if you want to accept payments from customers with an "unverified" mailing address or not.
Of all the cart systems I've used, Paypal IMO, is by far the quickest. You can pre-fill form fields only requiring your customer to sign up or enter their password if they already have an account. Test drive it yourself :: Click on the "donate" button on the upper right corner! :)
ccbill and ibill along with the rest of the guys have no problems doing reoccuring billing - however paypal has reoccuring billing and doesnt take the huge percentage that the others do and no setup charges etc.