Marcia - 7:50 am on May 10, 2001 (gmt 0)

Drastic, it could depend on the total dollar amount and number of transactions, deciding which method to use.

The particular market I'm dealing with makes extensive use of PayPal themselves, and is 100% comfortable with it.

I figured it out for clients originally, and came up with a breaking point - under a certain amount, it's a monthly loss/expense to use regular cc transactions.

I'm set up to do regular credit card processing through a third-party processor I've done business with for over a year now, for 6% with no monthly and no set-up - zero charges other than a percentage of sales. But in my particular case, right now, it's more convenient and cost-effective this way. I sent out a bill Sunday night, and had the payment by Monday morning.

The amount of billing I do this way, as opposed to the checks sent by mail, doesn't warrant anything else. There's also a difference in what's available for services, as opposed to products.

It depends on the particular business.