Credit card processing solution

[bizeu]

Hi,

I want to start selling some local stuff. My market gonna be US.

I still couldnt manage to find any realiable affordable credit card processing solution. Of course paypal would best fit my needs.. but I'm from Europe and listed within these countries which could only send money but not to receive. What would you suggest?

I'm sure there're webmasters within these countries who successfully working in this area and encountered the same problems as me :)

Thanks for your responses

[bizeu]

any suggestions?

I don't know any better place where I could get best advises than webmasterworld

[lorax]

Welcome to WebmasterWorld!

You'll find several threads in this forum on the subject of doing business in the US when you live in another country. You may want to start by reading through some of these [google.com].

[bizeu]

thanks lorax, I'll check it out

[Miklo]

You have several options, like WorldPay, MultiCards, Metacharge, Ogone, Chronopay and many many others in Europe. Most of them will probably set you up directly with their acquiring bank.

[Corey Bryant]

Worldpay or 2CO. If you volume warrants, check out Barclay's or some other processors compatible with protx (an electronic payment gateway).

-Corey

[bizeu]

Following your advises I decided to go with 2co. After using their services for several weeks I could conclude that their rates are quite affordable, but support is really horrible. Had to wait 36 - 48 hours for their responses..

[etechsupport]

Check it with chronopay.com their charges are quite affordable and their support and service are good as well.

[bizeu]

mm, chronopay.com seems doesnt have any setup fees and charge less per transaction compared to 2CO.

I'll definately check it out while I'm sill having 30 money back gurantee from 2co.

thanks etechsupport

[Miklo]

'Had to wait 36 - 48 hours for their responses..'

Oh yeah, that is very long! I always expect an immediate response through email, especially from a PSP that has 10,000 other merchants to support.

Seriously, you think this is too long?

Anyway, it used to be much longer a few months ago. One time, I had to wait 12 days to receive an answer.

Chronopay has not been in business that long, but offers a good rate. However, keep an eye on the small print. Something smells...

[bizeu]

Miklo, I think it's to long.

For example my hosting company (powervps) usally responds to my emails in 1-2 hours and sometimes even in 10-20 minutes. My questions are usally techie and that means they could be only answered by more qualified staff. I'm very pleased with their support.

So compared with 2co support it's a whole eternity.

[etechsupport]

Yep, they are stable, reliable & professional growing company and take utmost care to their customers as far as service and support is concerned.

[Miklo]

Well, that's because your web hosting company probably has more techies running around than 2CheckOut does as the helpdesk of those kind of companies are usually staffed with people that provide customer service concerning payments and other related things.

On average, 24-48 hours is never considered too long through email especially if it is a large company as 2CheckOut.

Learn to have some patience. You will get disappointed later on when you have to work with other web based companies.

[DonQ]

Miklo, I have been looking at Chronopay, but can't find much on them... Why your concern? Please elaborate?

[Miklo]

Well, first of all, they have not been in business that long.
Secondly, they have a head office in Russia, which raises red flags to me.
Thirdly, the commission rate and set up fees are so low that it seems they try to attract new customers in a very fast way, which also frightens me. What happens if they take the money and run?
Regarding those rates: I know what the buy rate here in Europe is with an acquiring bank and especially for new businesses, so this really sounds too good to be true. To me it sounds that there are some very influential partners involved where you'd rather not deal with normally.

What I really would like to know is who is behind this company and which acquiring banks they use?

Of course, I could be wrong, but this is just to describe the feeling that I get with them.

[markbaa]

I'm not sure why the number of merchants they have to support is relevant. More merchants should = more support staff.

I've been getting roughly 24 hour response from 2CO, which is ok I guess. I find their email support to be the classic "let's skim the first sentence and send out some boiler plate response which fails to answer the question". I did phone them once and got dealt with very promptly and efficiently which was nice.

[Miklo]

'More merchants should = more support staff.'

Yeah, you said it right: SHOULD.
In real life, more merchants = more profit. If this affects the support area too much, they will invest in new staff, not sooner.