Gateway with ONLY per transaction fees?

Need a real-time gateway with no monthly fees

[wickydoodah]

One of my clients wants to begin accepting online credit card payments for their annual membership renewals. The renewals only happen 3 months out of the year and the other 9 months there will be absolutely no CC activity. They already have the merchant bank account setup (bank uses First Data) so the backend processor is all that's needed to get it working. They also want a "real-time processing" gateway instead of using a "batch processing" system. All the gateways I looked at have a recurring monthly fee involved, so the end costs really add up when the system won't even be in use 9 months of each year.

Is there such a thing as a real-time processor that ONLY charges on a "per transaction" basis?

Thanks!

[Corey Bryant]

How much is being used for those first three months? I mean - aren't they already paying for the merchant account for the other months?

-Corey

[grobe]

Have they considered using Paypal instead? Free gateway, users do not have to be Paypal members.

[wickydoodah]

I mean - aren't they already paying for the merchant account for the other months?

If I understand your point, yes they are in effect paying during all 12 months for their merchant account. But they've negotiated a "per transaction" agreement with the bank and they only pay when there's actual CC charges. For 9 of those months there won't be any charges so there's no actual cost. What they're looking for is a payment processor that can offer them a similar arrangement.

Have they considered using Paypal instead?

Paypal may be an option since they no longer require you to be a member, but the client prefers that our visitors stay on our site when submitting their membership renewals. Does Paypal offer such an option, or will our visitors have to go to the Paypal site to enter their CC information? Also, will Paypal work with the client's existing merchant account or does it require a different arrangement?

It may be that the client will have to use a processor such as Paypal if they want to avoid the monthly charges - or be prepared to pay monthly charges for the convenience of a "real-time" processor such as Authorize.net.

[grobe]

Yes, the customer will have to go to the Paypal site to enter CC information. Paypal would be a replacement for both the gateway and the merchant account.

[jschmitz]

I have that deal with payquake. tell kirk I sent you.

j

[edited by: lorax at 1:23 pm (utc) on Mar. 9, 2005]
[edit reason] No DNs please [/edit]

[jagsanger]

Hi - the solution is to use a service that does NOT have any recurring monthly fees (and no set up fees either).

About half our clients are on this type of solution, and it depends on the volumes you hope to achieve.

regards
Jag

[edited by: lorax at 1:04 pm (utc) on Mar. 25, 2005]
[edit reason] removed call to action [/edit]

[microx]

jagsanger:
About half your clients are on this type of solution. Clients where? Can I use this too?

--Hesham

[Ozark]

Yes payQuake offers international merchant accounts.

Ozark

[microx]

Ok, so Merchantboss has no setup/monthly/yearly fees of any kind. But what is their per-transaction rate? I could not find it anywhere on the site. Has anyone actually tried them?

[flyerguy]

ClickandBuy / Firstgate. Am just getting set up with them (switching over from Paypal), and the system and support seem great.