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Losing patience with 2Checkout.who else is there?

 11:33 am on Feb 24, 2006 (gmt 0)

I live in Italy and have both Italian and UK bank accounts.

On my site, I currently accept 2CO and paypal payments and probably 70% choose 2CO. But I'm losing patience with their sledgehammer policy on fraudulent purchases and this is costing me too much money. The few customers I have managed to convince to get in touch with 2CO have then had their CC accepted but most of those refused are lost for ever and mainly because my site sells often to teachers who are living abroad so the billing address and IP don't match.

Is there any point switching to another CC processor or would it be exactly the same story elsewhere?



 12:32 pm on Feb 24, 2006 (gmt 0)

You need a processor that will let you take your own decisions yet provide you with tools to check against fraud. I am satisfied with Worldpay in this regard.

Mr Bo Jangles

 12:51 pm on Feb 24, 2006 (gmt 0)

but Worldpay take a higher % don't they?


 1:55 pm on Feb 24, 2006 (gmt 0)

I think that might be better because I don't actually sell anything tangible...only access to my "premium" site. So if it turns out as a fraudulent transaction, I haven't actually "lost" anything. I just withdraw access.

I think of the 20 or so transactions that 2CO have rejected, after mailing all of the affected people, I would say maybe one of them was authentically fraudulent.

So I have lost 19 people because 2CO seem to have a Google-type "one size fits all" algo which point blank rejects any transaction where the billing and IP don't match. Are there any others that allow you to decide? With similar % that 2CO offer (5.5% plus 45c)


 2:59 am on Feb 25, 2006 (gmt 0)

2checkout is dilligent about checking for fraud, a little too dilligent sometimes I find. We stopped using them over a year ago because of their chargeback policy. Basically, a customer can call and say "I wasn't satisfied" and they will refund their purchase..

They may have changed that policy though.. but it was enough to get us to stop using them on our one site. Best move we made.


 3:43 am on Feb 25, 2006 (gmt 0)

On my site, I currently accept 2CO and paypal payments and probably 70% choose 2CO. But I'm losing patience

Do you show 2CO as your "credit card" option? You could let your customers know that they can pay with a credit card through PayPal without creating an account. (You should be able to offer PayPal Account Optional since you are in Italy, unless you are using PayPal Subscriptions.)

Your customers who select the PayPal option, and do not have a PayPal account, should see the option to pay by credit card on the first page of their PayPal checkout.


 7:43 am on Feb 25, 2006 (gmt 0)

I left 2CO quite a while back. They were denying purchases from US military people because their credit card was from the states but the purchase originated overseas...and there was NOTHING I could do about it. The last straw was the little statements that they make you put on your site saying that they are the reseller of your goods not a payment processor. I didn't like it at all and I refuse to lie to my customers.

...just my input on 2CO. I would get anybody else to process my payments if I were you.



 10:49 am on Feb 25, 2006 (gmt 0)

3 or so years ago it took me 3 months to get a payment for my Xmas sales from them, despite telling me on several occassions that he money was on its way, it wasnt.

Then there was there flea ridden ATM card, charged me $75 for it only to find it wasnt in theri database so couldnt use, corrected this and then they stopped using it...


 12:28 pm on Feb 25, 2006 (gmt 0)

Sharbel (or anyone!)

what other payment processors do you now use instead of 2CO and how are they better?

I suppose I should be grateful that 2CO are "looking out for my best interests" but they have trashed many legit sales and that costs me money, obviously.

I don't want to fork out another 50-100 bucks to set up with someone else - just to have the same problems all over again. As I said in OP, my site users are often living and working abroad so the whole IP/address difference crops up pretty often.

I've also had quite a few abandoned carts and don't know if that is 2CO's fault or the fault of my users being tyre kickers - "what happens if I press this button?" type of thing.

so any solid recommendations would be appreciated but only if people have experience and know they are materially better than 2CO. Thanks in advance.

Mr Bo Jangles

 12:51 pm on Feb 25, 2006 (gmt 0)

have a look at Kagi - but I don't know if your product complies with their Terms. Kagi are one of the oldest, and I think most respected in the business. I have used them.

Mr Bo


 8:36 pm on Feb 26, 2006 (gmt 0)

Arent they for downloads only?

Id take a look at ccavenue.com


 11:54 pm on Feb 26, 2006 (gmt 0)

2CO (finally) responded to a ticket I opened and have put a comment on my account NOT to reject transactions "only on IP/billing address discrepancy". At least that's what they've said.

Warned me chargebacks could go up, but I said, as it was site access I was selling, I wasn't THAT bothered about that.

I'll see if that makes any difference. I presume there's a whole list of factors they judge a fraudulent transaction on - IP/billing differences being only one of them. But it's the one I've lost out on most of the time.


 2:12 pm on Mar 7, 2006 (gmt 0)

If you are in Italy, there are several options:


These are all in Europe, which makes it easier to contact them because there is no time difference.
Rates are between 4%-6%, depending on who you choose.

My personal favorite is MultiCards, but that's just me.
You will probably get a better set up fee if you contact their sales department.

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