PayPal Website Payments Pro

it's like a merchant account and gateway

[Tonearm]

Looking over PayPal's Website Payments Pro, it sounds like the way to go for processing credit cards. Does anyone have any experience with this service?

[paypal.com...]

- Grant

[gpilling]

No, but I would also like to hear from someone who has some knowledge. I am tired of paying huge fees on AMEX and "marginal approval" visa and mastercard transactions. I would be nice to have a predictable fee schedule.

Anyone? Where is PayPalAdvisor?

[sun818]

You will get more transactions rejected since Paypal WPP does not have a flexible fraud filter compared to other payment gateways, namely AuthorizeNet. The rejection reason is apparently more descriptive now, but when I was using WPP many legitimate transactions were rejected. That's a big deal killer for me. The other issue is that you have to use their API which can make integration with your current setup very difficult. You need to use a shopping cart/catalog system that uses Website Payment Pro. Paypal's best move would be to create a Paypal payment gateway that can emulate other established payment gateways (i.e. VeriSign, AuthorizeNet).

[jwolthuis]

I've been using PayPal Website Payments Pro for about 3 months now. I'm pleased with their service overall, having switched from Authorize.net and Citibank.

The best feature of WPP is that I can calculate *exactly* what my monthly net is, given the purchases made. I know what their monthly fee is, and they take 2.2%, regrdless of credit card type, qualification type, or capture delay.

With Authorize.net and Citibank, I never quite knew what my bottom-line was going to be. Between mid- and non-qualified transactions, AmEx and Discover rates, corporate purchasing cards, etc, I basically had to trust that the monthly statement was correct.

Their reject rate is roughly the same as anyone else, maybe a little higher because AVS is mandatory. I could turn AVS off with Authorize.net. Was that a good feature? I dunno.

One very nice feature is that transactions settle to your PayPal account instantly. Overall, I pleased with their service.

[sun818]

> I could turn AVS off with Authorize.net.
> Was that a good feature? I dunno.

I think it is. If transactions are low dollar value, the chance of it being fraud is low. You can always hand review an order to see if it is worth the risk.