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Looking for a merchant account.

Any merchant account suggestions?



12:35 am on May 15, 2005 (gmt 0)

10+ Year Member

I am considering charge.com or maybe ECHO as a start, then graduating to Wells Fargo/Authorize.net if profitable. Want auto-monthly billing and no hidden nightmares. Have any feedback on my merchant account solution? Have any other good merchant account suggetions?


6:05 pm on May 20, 2005 (gmt 0)

10+ Year Member

in your situtaion i would recommend you to go with authorize.net. That would suit your requirements.


E-commerce is always better if it involves reliabilty.

Corey Bryant

1:04 am on May 22, 2005 (gmt 0)

WebmasterWorld Senior Member 10+ Year Member

Authorizenet.com is not a merchant account. it is an electronic payment gateway & it does charge extra for the recurring billing module.

charge.com is a reseller for Cardservice. And a lot of CSI agents are actually selling the merchant accounts for at 1.99%. And using the LinkPoint gateway - their recurring module is free



7:06 am on May 22, 2005 (gmt 0)

10+ Year Member

You can try 2checkout.com


8:58 pm on May 24, 2005 (gmt 0)

10+ Year Member

Corey is right on target. When will people learn that authorize.net is NOT a merchant account nor is authorize.net a cc processor. All they are
is a gateway between your merchant account & your bank.


1:20 pm on May 25, 2005 (gmt 0)

WebmasterWorld Senior Member 10+ Year Member

I started out with charge.com. Their processor was and I suppose still is ipayment. One good thing about charge.com is that they really do seem to approve everyone who can come up with the fee.

Once they approve you, though, that's the last you ever see of them. Then you are dealing with Ipayment (processor), Authorize.net (payment gateway), and whatever bank you get a merchant account from. I didn't get my merchant account through charge.com, although they offered. I already had one from my own bank and I felt uncomfortable having more than one step in the process from the same place.

Ipayment drags its feet about a lot of things and isn't always quite honest. If you squawk to them about certain fees, they say they will take them off, but they don't. When they moved a couple years ago, they suspended all payments. At first this was supposed to be for a couple days, but then it morphed into weeks. Finally I complained to the Better Business Bureau. They released the payments the next day. They claimed they were going to do that anyhow. Yeah, right.

The left hand doesn't know what the right is doing at Ipayment, either. I had to keep calling them for TWO YEARS to get them to change my address after I moved. I notified them seven times, even by certified mail. Finally they got my info updated. Meanwhile, when customers tried to call the number that was on their bill, they were getting a disconnected number. Also, Ipayment will gradually edge up your discount rate no matter how good you are. It is like dealing with a toddler who is always testing your limits. I avoid calling them for any reason, because it is just aggravating.

I tried changing to Wells Fargo as a processor/merchant account, but they told me they did not want to deal with me on account of my product, which was also the excuse my bank higher-ups used when I tried to get them as my processor. There is nothing dicey about my product, but it is vaguely similar to a product group that I know has to pay a higher discount rate. Also, I believe Wells Fargo would not have had the problem with my product if I had had higher sales. Later, other merchants told me I was better off not dealing with Wells Fargo anyway, that they were incompetent. I heard a lot of horror stories about them. But then, I have heard them about everyone.

I also tried to get a new processor from Charter One, a national bank that opened a branch here, since my own bank has no branches up here and since I don't especially like Ipayment. They had some company they had subcontracted the processing to, name started with an R, and they were actually rude to me after finding out my sales were not over $500,000/year (or even close). Yes, we would all like to eat caviar daily.

So I am stuck with Ipayment. From what I have heard from others, they are not an unusually lousy service. Customer service is simply not king in the payments processing industry.

As for Authorize.net, they were irresponsible during the last few DOS attacks on them, as far as I am concerned. For a while, they actually had a message on their voicemail that said "call back later." They had to hire a bunch of inexperienced people to deal with the onslaught of complaints, and some of them were not good at customer service. You have to pay extra for anti-fraud measures. And I also had the experience of some young pup over there laughing at me a year ago when I complained about their credit screen not working with Mozilla and I said they should fix it because "More and more people are going to be getting rid of IE." However, they are pretty good about explaining things or answering questions, IME, and I'll bet that young pup is eating his guffaws now.

As for my merchant account, my bank is best characterized as a parasite.

Hope that helps.


4:58 am on May 26, 2005 (gmt 0)

10+ Year Member

I wouldn't even think about 2Checkout if I were you. I used them when I was just starting out. They're not a merchant account. They've carved out a little niche by essentially letting you use their merchant account for pretty large fee per transaction.

The biggest problem that I had with them is that they require you to put a bunch of misleading language on your site telling your customers that that they are an "authorized reseller" of your merchandise. They strictly forbid you to call them a "payment processor". My assumption is that they've gotten themselves in some hot water and need to stay in compliance with a contract somewhere. It didn't feel honest to me so I dropped them.



5:25 am on May 26, 2005 (gmt 0)

10+ Year Member

We have been using Card Services International for the last 4 years + Verisign gateway. No Complaints. We do over 8000 transactions a month.

Corey Bryant

1:05 am on May 27, 2005 (gmt 0)

WebmasterWorld Senior Member 10+ Year Member

Actually charge.com is a reseller for Cardservice. A lot of CSI agents are also offering great specials this month for a merchant account



1:13 am on May 28, 2005 (gmt 0)

10+ Year Member

Great info, thanks.
Now thinking I will use echo-inc.com at the start. Then, once profitable I may switch to Card Services International + Verisign gateway. Any horror stories from users of these merchant services? Any one else using a merchant service they are pleased with, please let me know.

Each time I find a potential service I find complaints. With Echo I havenít found any negative reviews yet. Herathís recommendation sound promising. I havenít tried digging up dirt on it yet.



2:30 am on Jun 26, 2005 (gmt 0)

10+ Year Member

Cardservice is the worst company out there.
I applied for a new merchant account and was instantly approved. Within 2 days my account was on "Ban Control" which meant that until loss prevention reviewed my sales, they were not going to pay me out. This took them 2 weeks. So finally I get off of this and my account is in good standing. My monthly volume limit is $12,000. Business is going well and I exceed my monthly volume quota. So, I file a request to raise my monthly volume. 3 weeks later and still no reponse. Finally, they freeze my account for exceeding my monthly sales limit. So, I am being penalized for my good business and since they are slow and incompetent my business is almost non-existent because I can no longer pay out my vendors. My funds are just mounting into Cardservices coffers as we speak. BOTTOM LINE: THEY WILL TREAT YOU LIKE A CRIMINAL AND PLAY WITH YOUR HARD EARNED MONEY!

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