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Currently I am operating a small (very small) business, and trading through the Internet only. Because the turnover from this is small, I have been using PayPal up to now, however I am aware that using PayPal can look a little cheap/easy to fraud.
Can anyone suggest a free (or nearly free) equivilent to PayPal which will allow credit card transactions, is fairly customisable, and is very user-friendly.
Any help appreciated.
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[edited by: tedster at 6:47 pm (utc) on April 27, 2004]
very good for small businesses I reackon.
www.search-incentive.com it's a search engine / payment gateway / shopping network hybrid. tis very new and small though.
but SI will cover all of your transaction fees and you dont need to pay for a merchant account.
basically it operates on an internal transaction system kinda like paypal does. so you never have to deal with CC numbers or worry about SSL certs etc.
theres loads more info on the site.
PS forgive the shameless advertising.
... when I see someone who only accepts payments through PayPal it tells me they're a person who couldn't get a regular merchant account - which tells me they're a person I don't want to do business with.
This is nonsense. Paypal is used by many smaller companies who don't want the expense of setting up a regular merchant account. I sell an occasional report worth about £50 GBP more as a service than a money making scheme. My turn over last year for this was less than £1000 GBP. Do you think I should apply for a merchant account for this?
Paypal provides a simple, efficient, reasonably priced alternative for people like myself or perhaps people who just want to test the market before going for full ecommerce.
My clients have the option of sending me a cheque or a purchase order if they don't want to use Paypal. To date I have had one purchase order and one cheque, The rest have been Paypal. You do the math!
It's more work, but I'd offer as many pay options as possible...including checks/money orders. By accepting these, it cuts out the gateways leaving more for you.
This can't always be an option. Some businesses do not take checks or COD (another pay option). These are both ways that the customer can use to burn sellers. Sometimes, credit cards/PayPal/gateway is the only way to go, and you just have to deal with it.