Internet Merchant Accounts

need advice on who to use

[ziger123]

Wow! what a total runaround! We have a small business and need to accept credit cards. We bank at a credit union and I don't want to change. We called charge.com and got terrible customer service. I've heard it's best to go through a bank for the merchant account. What do you use and what do you recommend.

[Corey Bryant]

I take it that you are in the US? charge.com is a reseller for Cardservice. A lot of resellers are unfortunately that way. And charge.com is one of the biggest resellers for Cardservice actually.

What are you selling? Products / services? I do not recommend a bank because most actually do not understand e-commerce and a lot actually outsource internet to a third party.

-Corey

[digitalv]

Try Wells Fargo

[blaze]

Here are some guys who you can set up quickly with:

paypal.com
2checkout
paysystems
WorldPay

.. any others?

[ziger123]

Yes we are in the us, we sell restoration parts and materials. Thanks for your suggestions. We have paypal but find some buyers reluctant to use the internet so I need a moto, card not present system. I am checking out worldpay and paysystems right now. Which do you use? I will also check wells fargo.

[Corey Bryant]

I would not recommend worldpay only because you are in the US. Their rates are higher because of the risks involved.

Paysystems can offer a true merchant account in the US now - so make sure you know what you are getting there. They are usually a third part processor (like paypal) but the consumers who are paying you do not have to sign up. You are transferred over to their site I beleive for payment.

-Corey

[ziger123]

ok - paysystems wants 4% plus $1 per transaction - a bit high I think.
I'm filling out for Worldpay because they don't give any details before *sigh* but they want too much upfront information and I don't want to be swamped with sales calls and emails! So I'll just email them.
Any more information on who uses what service is greatly appreciated. Thanks.

[Corey Bryant]

Worldpay is going to be about the same because of the risks there. Their speciality is merchants who are not based in the US.

Let me try to send you a sticky message about a few different ideas.

How much do you plan on processing on a monthly basis?

-Corey

[ziger123]

Well I got a callback from a couple friends who are using innovative merchant solutions with good luck. They've both had horror stories about other campanies that they didn't name so I'm going to go with innovative. I will post how it all turns out - thanks so much for your suggestions and time.

[Corey Bryant]

Good luck with it. We all have horror stories. But usually it is something with the consumer or we just missed something. The bigger the comany - the more people of course you will find with the stories.

-Corey