Merchant Account for all.

...can you get one affordable AND reliable?

[EyeDesign]

What are some of the merchant accounts you use for accepting credit cards and echecks on your site? I would just like to know what's out there when looking for a replacement. I know that I can "Google" it, but this will drastically reduce the time it takes to filter many, many results that are actually irrelevant to my search.

Thanks for the help.

[Corey Bryant]

What country are you in?

-Corey

[grobe]

Corey, if you click on his User Profile it says Midwest; and people who say that are referring to Midwest U.S.

The answer to this question depends on volume, average ticket size, type of product... I have a tiny site and use Paypal and Propay--there just aren't many reasonable choices at the bottom--while there are a huge variety at higher levels.

[Corey Bryant]

If you are in the United States, and selling more than $1,000 a month, a merchant account is usually better and more cost effective. If it is high risk though you are better staying with your current company or finding a 3PP to process.

There are hundreds of merchant account providers (MAPs) and thousands of resellers selling them.

Usually you can get discount rates for around 2.3 / 2.4% and you can even use a blended rate to get a lower rate (around 1.95% or so) on signature debit cards.

-Corey

[EyeDesign]

THANK YOU for the replies. Ticket size is small right now. I just want my merchant account to make sense and help me make money (by offering a variety of payment options), not make me have an unuseful expense.

I will keep the one I have for now and keep a look out for others.

[Corey Bryant]

If you have one & you are happy with it - stay with them. It can be a pain at times to switch actually. Sometimes it is worth it - you just look at your ROI and some customers are only saving sometimes around $30 a month

-Corey