Who is the best merchant gateway service?

Netbilling? Charge.com?

[dreamache]

I'm starting an online fitness service which will have monthly recurring subscriptions. I don't want to go with a 3rd party processor. So I'm looking into who is the most reliable with reasonable rates.

Suggestions / opinions?

thanks.

[bzprod]

I have used charge.com and Total Merchant Services and I recommend TMS. Rates are nice and support is great. They are both fine companies. Charge.com will set you up with Cardservice International.

I would recommend either the Linkpoint Gateway or Authorize.net.

-Patrick

[SiLPHEED]

I went through charge.com, and they set me up with authorize.net / ipayment. No major complaints, although authorize.net has a nasty habit of "improving" its system before telling its clients, rendering automated transactions inoperable.

[Corey Bryant]

You should get someone that is about 2.30% discount rate with a $.30 transaction rate. Locate a gateway (LinkPoint is one) that does not charge extra for your recurring billing.

One thing - do you see these people? If so - you might think about getting a cherry keyboard & talking to some people about getting a brick & mortar account. If you have internet access, it can be done.

-Corey

[gr8tango]

has anyone had good or bad experiences with payflow or payflow pro from verisign?

[Herath]

We use Verisign's plyflow pro nearly 2 years now. It's wonderful. Never had a single problem with it for nearly 15,000 orders upto date. Highly recommend it. And your customers will love to see that shiny Verisign logo on your payment page.

[wayzel]

Payflow pro has been excellent. Highly reliable. We've done several thousand transactions without any credit card related issues. And I mean not one single issue ever, not with processing, reporting, or customer service.

However, there are some downsides:

1) they are pricey at high volumes, as each transaction after the 1000th in a month will cost you 10¢. If you do an authorization and then delayed capture this will cost you 20¢. If you are under 1000 transactions per month, Payflow pro is reasonably priced

2) no email auto-confirmation to buyers. You have to build this into your site yourself since Verisign can't automate this part for you.

3) Their anti-fraud doesn't support banning blacklisted credit cards. So if you get hit by fraudsters you can't really stop them from repeatedly buying over and over until the credit card company itself begins declining the card.

[dtrip]

Hi there,

A fine service that I recommend is offered by iKobo. I've used it for a while and I've no complaints so far. They offer competitive rates (1.99 to 2.99%) with no setup and no monthly fees.

[gr8tango]

wait, I thought ikobo has a 4% charge stated in their fee schedule? how can you get the 1.9%? that sounds like a nice deal.

[e_guru_org]

hi

visit [prime-libra.tripod.com...]

here you will get worlds all payments getways list

yogesh

[Morocco]

Verisign's Payflow Pro works great

[gr8tango]

has anyone put together a list of gateways and rated them? I'd be interested and I'm sure others would be. How about the following criteria?
- setup fees
- monthly fees
- monthly minimum
- installation skill required
- integration skill required
- custom programming required
- programming language needed
- fees structure
- other requirements - your own cert, merchant acct, etc
- key features they are using
- what they like the particular gateway

I checked ikobo and their website clearly states 4%, so I'm hoping if people contribute, they all have valid data

[Corey Bryant]

Just to clarify - you will need a processor as well as a payment gateway.

And then it also depends on who the merchant is. Authorizenet.com advertises themselves. A lot of people do not know that they are not a processor.

LinkPoint is another one. They are owned by First Data. Authorizenet.com & LinkPoint both talk to the First Data platform to help verify CC transactions.

As far as prices, LinkPoint & Authorizenet.com are sold by resellers. Usually with LinkPoint, when you get a merchant account thru Cardservice, you get the gateway. With both, the agent that is selling you the gateway can charge you anywhere from $10-$25 a month. It is up to them. The more they charge, the more they make of course. And they can charge you as much as they want to when setting it all up. You would be surprised, but there are still a lot of people paying $1,000 & more for just the application fee to a processor when they do not know any better.

Corey