jweighell - 10:51 am on Mar 19, 2007 (gmt 0)

Hi Andy,

About a year or so ago I dumped Worldpay in favour of ProTX + my own merchant account from my bank (Bank of Scotland) basically for the same reasons as you say. Over time I did manage to negotiate Worldpay's rates down a bit, and get their remittance delay down to 2 weeks, but I gradually realised they were ripping me off!

After switching I have slashed my transaction fees in half! Also the money is now in my bank account within 3-4 working days!

The service I use with ProTX still means that the customer leaves your site. I used to think this was a bad thing, but I think most customers don't even notice. I have branded the ProTX payment pages the same as my site and very few people drop-out at this stage, so I don't consider it a problem.

It is possible to use ProTX from your site by using their API (and you can do it with Worldpay too), but after a lot of thought, I don't think I'd want the responsibility of directly handling card details - it would be a nightmare if I got hacked! Also, they will be very anal about doing this and you will get asked a mountain of security info if you want to go down this route.

I would say that a couple of times I've had to question the reliability of ProTX, however the money I've saved I'm not too worried about it.

Cheers,

Jonathan.