Third party CC processors for international merchants

with the following requirements ....

[Hard_Target]

Hello,

I am a non-US, non- EU based merchant, currently using 2checkout.com for credit card processing. Despite many comments on the contrary, I have found them pretty reliable and easy to deal with. However, I would like to have a backup processor, in case of extensive DDOS
attack or sudden change of rules for international merchants (I am talking from experience here - I used to have paysystems.com as my processor, until they suddenly closed down access to internationl merchants, which cost me pretty penny, because I was unable to accept payments for several weeks)
I am not opposed to having an actual merchant account, but it doesn't seem possible with the following requirements:

- (a single) product sold is software (both CD and download
- need to be able to settle to non-US bank (do not have / do not want US business account)
- need to accept Visa /MC / AMEXP / Discover /echecks
- am willing to pay relatively high discount fees (i.e. 5%)
- need to be able to process $30K+ monthly.
- would like to have a simple html setup for a single "buy" button; no shopping cart required

2checkout.com can do all of the above. If you know of another processor with similar capabilities, I am all ears.

[ScottM]

I'll start with the obvious:

Paypal?

Since WebmasterWorld is accepting pre-payment for the conference from people all over the world and add Ebay as another example, I'm just wondering why Paypal wouldn't work?

[Algebrator]

Having Paypal as only payment option looks very unprofessional to most customers. In the past when I was offering direct CC processing and paypal, I was getting only 20% of orders through paypal.
When I was stuck with only paypal (not my own choice) I lost almost 80% of orders, I know that this is a only a matter of (incorrect) perception - but in most customer's eyes 2checkout.com is indistiguishable from an actual merchant account, while paypal is percieved as amateurish

[ScottM]

I agree, but the poster was looking for a 'back-up' or 'plan B'. I still think Paypal is a viable plan B.

He could always exchange the paypal .gif with his own Visa/Mastercard .gif couldn't he? (Sorry if I assumed the wrong gender!)

[Hard_Target]

Thanks for the Paypal suggestion, but I already have it - similar experience - huge drop in orders, when relying on it as a sole method of payment (and I even replaced their gif with standard CC logo; it resulted in small improvement).
Anything else? Can't believe that 2checkout.com is so unique.

[Mr Bo Jangles]

Kagi

[Hard_Target]

Thanks for the KAGI suggestion. I will try them out. They are on the high side as far as fees go, but I liked what I read so far

[Mr Bo Jangles]

Kagi have been around for aeons, and have an unblemished record as far as honesty etc. goes.
They have reasonably good customer service and a users' mailing list that management joins in on (unlike 2co, who are just fxxcking arrogant and unresponsive, Kagi staff actually give the impression they care).
The downside I found over the years is that management also build and operate the 'systems' and sometimes they can be clunky, but I think for your purposes you'd be very satisfied.
One thing for sure with Kagi, you would NEVER have to worry about getting your money.