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Merchant account providers for international merchants.

Which is the most efficient and reasonably priced?



7:43 am on Nov 6, 2002 (gmt 0)

10+ Year Member

Struck by Ibill.com's unrealistic $750 fee, I'm getting a merchant account.

Does anyone here have any particularly good or bad experiences with any merchant account providers who take international merchants?

I'm also specially looking for opinions on;

planetpayment.com &

Appreciate your help. Thanks!


5:23 am on Nov 16, 2002 (gmt 0)

10+ Year Member

I also would be interested to know if anybody has any experience with InternetSecure. Their fees are not the cheapest ($1 trans/$3.5% disc for starters) in the world but if they are legit, that is what really matters.

I got information from 1st american cardservice... they have excellent rates, but they have a bad BBB rating (which takes some doing to get) so they are off the list.


6:31 am on Nov 16, 2002 (gmt 0)

10+ Year Member

Internetsecure I found out accepts only visa at this time.
So, that is off my list.


8:10 pm on Nov 16, 2002 (gmt 0)

10+ Year Member

Oh yea, that sucks. I'm looking at ECHO now. Not sure if they take international merchants though (not a problem for me).


12:07 am on Dec 24, 2002 (gmt 0)

10+ Year Member

I know this a really old thread but perhaps there's someone out who has similar probs.

What's about merchant-accounts.ca? Has anyone any experiences with them? And another is PlanetPayment. Anyone anything?

Thnx for replying


5:27 am on Dec 24, 2002 (gmt 0)

10+ Year Member

We use www.merchantanywhere.com. We pay $24.95 per month. It actually runs thru Transaction Central with PRI.

After I got signed up, we signed up for International transactions. So far, so good.

If you plan on doing International credit card transactions, you need to be well educated the pitfalls and problems. The rules for VISA in the US is different for each country. You can get nailed by chargebacks very easily. Then you have the evil fraudsters from countries like Indonesia, Romania, etc.

I would strong suggest that you join merchant911.org. They can help you keep updated with the latest scams.

I would also suggest that you go to "Manual" mode of credit card processing, versus, "On-Line" processing.


10:12 am on Jan 11, 2003 (gmt 0)

WebmasterWorld Senior Member 10+ Year Member

Anyone have any experience with Paysystems?


10:17 am on Jan 11, 2003 (gmt 0)

Paysystems are VERY good, I know them pretty well and have used them and also introduced a number of people to them.

Merchant-Accounts.ca are brokers, very helpful people but a few steps down the big ladder.

We now stick to a merchant account broker who specialises in Adult/Risque stuff, and this guy always delivers (naturally he gets a cut from the providers, and apart from a small admin fee we pay him nothing else)

Out of a lot of companies, Paysytems are very reliable and pay on time.



11:41 am on Jan 11, 2003 (gmt 0)

WebmasterWorld Senior Member 10+ Year Member

Shak, thanks for that info.
Did you use PaySystems in IMA mode, or virtual terminal only? I read somehere in another thread that Paysystems has a high decline rate. What is your experience with this?


12:32 pm on Jan 11, 2003 (gmt 0)


I have used Paysystems in "Every" mode.

3rd party account via Virtual Terminal.
Our Own account via Virtual Terminal.
Our Own account using Real Time authorisations.

no problems with them so far.



12:54 pm on Jan 11, 2003 (gmt 0)

WebmasterWorld Senior Member 10+ Year Member

Thanks for that. Will be starting up with them next week. Will keep everyone posted on how things go with them.


1:49 am on Jan 13, 2003 (gmt 0)

10+ Year Member

PaySystems is pretty good. They will not take "high risk accounts" such as adult or gaming. If you have a shipable product, you ought to be able to get your own account with a virutal terminal. For non-shippable products, such as downloadable software, they do not provide a VT until you have significant volume and history with them. Payouts are weekly, which is different from US account which pay out in 48-72 hours, depending on when your bank posts. There are also some very good merchant account solutions in the international marketplace.


9:16 am on Feb 4, 2003 (gmt 0)

WebmasterWorld Senior Member 10+ Year Member

In my quest for reliable payment gateways for International Merchnats, I have delt with 4 so far:

Planet-Payment: Good systems, but seem to be having management issues. Sent me 2 disconnection notices in December stating that they cannot continue with my account due to re-organisation. Currently, they require you to enter into a seperate agreement with Pago or DAS, depending on where you are located. They can only do North America & European companies. I found the whole thing very unstable. Also, their fraud is poor, so expect many chargebacks due to fraud. Currently has $41,000 stuck with them.

2checkout:The best part about them is that you can be up and running in 10 mins. flat. They also have v. good fraud protection. The downside is their very poor backend, their unreliable servers and complete lack of personalization in interaction with their company(you are forvever delaing with customers service reps., who have no standards on when they will reply; anywhere between 2hrs. to 1 week for an issue!). Their backend is a nightmare, and sometimes they make huge mistakes like auto-capturing cards that are authorize only, thus setting you up for massive chargebacks!

Asia-Debit: Excellent system and fraud protection. Also v. competitive rates. Main problem with them is that they take 2-3 months over the application process, so be prepared to wait. They service ALL cards.

PaySystems: The one with the most promise but the least delivery! They will move quickly to sign you up, provide you with excellent rates; make your mouth water with a excellent back-end...but but but but, will just not work. They are forever plagued with technical problems. My technical team tried for 35 days to intergrate their system with ours and was unsuccessful. And let me tell you, I have a great tech. team here. PS' procedure is extremely complicated requiring a custom install of software and certificate on your servers, and then getting your I.Ps. registered with them. But on top of all that it just dosen't work! During the testing we would try their virtual terminal, and that too would give bugs. Every other day they put up notices saying they had a DOS attack, or their servers will be down for 6 hrs, or 7 hrs. etc. etc. Just not possible to work with them.

It is a general consensus amongst international merchants that the biggest risk factor in business online is the payment gateway. It appears that Visa/Master are playing spoilsport to the online industry by making it very difficult to payment gateways to provide services to merchants outside their own region. It is so sad to see the financial services sector, with the best paid employees, behaving like this.


7:47 pm on Feb 26, 2003 (gmt 0)

Hi, I am a web master and have built many sites.
I also work for Cardservice International, Tri-Counties. These are the guidleines which we use for international accounts (non-qualified).
For the International merchant, qualification for establishing services.
US Bank Account
US mailing Address (P.O. Box ok)
Processing Fees:
$495 Linkpoint API
Discount Rate 3.42% Plus .30 Per Transaction (.05 is for AVS)
$10.00 Monthly Statement Fee
$20.00 Monthly Gateway Fee
5 day ACH hold on access of funds
Volume not to exceed $10,000.00 in any given month SSL Linkpoint Payment Gateway
Allows a merchant to manually enter credit card transactions on a PC through a secure connection to the Internet.
Wraps around the Merchants existing website, allowing shoppers to securely pay for purchases with a credit card
I hope that helps anyone who is looking for


6:15 pm on Feb 27, 2003 (gmt 0)

I offer payment services for SOME businesses.
Depends on the products, and where they are being shipped to. Banks, and some payment service companies aren't very keen on international orders which have a higher fraud %rate. What type of products are you wanting to sell?


7:22 pm on Feb 27, 2003 (gmt 0)

WebmasterWorld Senior Member 10+ Year Member

Don't go with PaySystems, horror stories! :)

And I consider myself to be a VERY legit retail merchant. ZERO chargebacks over a 1-yr/5,000 product history.


3:58 am on Mar 2, 2003 (gmt 0)

10+ Year Member

i have cardservices and i ship all over

the number is 800 456 5989



5:42 pm on Mar 2, 2003 (gmt 0)

how about echo-inc? Did anybody face any bad expreriances with them?


1:35 am on Mar 3, 2003 (gmt 0)

10+ Year Member

I use CardServices Inc (CSI) as well. They are good except for the 10k limit on international merchants. I can only process 10k in a 30 day period or my money will be frozen and every single transaction is scrutinized.

I guess they have to manage their risks somehow.

I am told that this limit ois only applicable on new accounts and can be reviewed after a couple of months.

The setup fee of 495.00 is not too much but could be cheaper. It is probably the sales person's commission which is fair enough, they too have to pay their bills :)


4:50 pm on Mar 3, 2003 (gmt 0)

I am so glad to see that there are good reviews for our products. The price of the software, is not completely for commissions. We are on the cutting edge of EBT Cards, Smart Cards for Gift and Loyalty Programs and we have people who DO scrutinize every transaction, as well as software, because we have the strongest anti-fraud and anti theft protection out there. The price of the software is also to help us to continue developing new products and refining what we have to limit problems as much as we can out for our clients. <snip>

[edited by: engine at 5:50 pm (utc) on Mar. 3, 2003]
[edit reason] No specifics, thanks [/edit]


9:05 pm on Mar 4, 2003 (gmt 0)

Hi ppl

Im with worldpay international merchants here in the UK they support up to 140 currencies as standard 3 of your choice.

Excellent sevice and support

The reasons why

4.5 percent a transaction.

But at least its peace of mind

Hope this helps folks


9:56 pm on Mar 10, 2003 (gmt 0)

WebmasterWorld Senior Member 10+ Year Member

I have very distrubing news about 2checkout.com: on the 1st and 16th of every month, they go ahead and process all cards in their systems, irrespective of whether you have marked the card as capture or not!
This opens you up for massive cargebacks.

After it happened twice to me, I quickly got out from them. Am now dealing with the chargebacks!

Don't use them unless you have no-one else left.


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