Taking credit card info for Paypal

[Jon_King]

Is there a way to take credit cards via the phone and somehow use Paypal to process a transaction?

Some of my less savvy web customers don't feel like, or want to, set up a Paypal account so they call and want to place an order, giving their credit card info this way.

We only use Paypal, so I am asking is there a way to handle this?

(Currently we have them send a check because we don't have a merchant credit card account.)

[Shak]

as far as I am aware this is NOT possible.

all sorts of security breaches taking place, along with the data being handled by 3rd parties etc etc.

Shak

[Jon_King]

Shak,

Pardon my novice question but is a merchant account the only way to process credit card info via the phone?

[Shak]

yes, but even going further, what u need is a Merchant Account and u have to specify that you will be doing Telephone/Mail Order transactions, in other words "card holder not present"

There are different risks/rates for the banks to consider.

Worldpay in the UK may be a good starting point.

Shak

[remoteoffice]

Hi you can set up an account with Propay.com for phone orders, the drawback is you cant go over 1000, without a deposit.

Beth

[edited by: TallTroll at 11:41 am (utc) on May 16, 2003]
[edit reason] no sigs please [/edit]

[Jon_King]

Thanks remoteoffice. Propay looks to be an easy way to deal with phone transactions.

I dug into the Propay fee structure (it took a bit to find which always makes me suspicious) and would like to know how this would stack up to the fees charged via a merchant account?

Here goes:

Exhibit A:
Schedule of Fees
You will be charged the following fees unless they are waived, lowered by special arrangement, or changed by affiliate specific pricing:

Processing Fees

Discount Fee: 3.5% of Visa/MasterCard/Discover Volume

Authorizations Fee: .35˘

Credit to Card: Free, if before capture or .35˘ after
the transaction has been captured.

ACH Item: .35˘ per transfer

Account-to-Account Transactions: Free

Other Fees
Membership Fee: $35.00 annually

Reactivation Fee: $50.00 per reactivation

Discover Card Acceptance: $9.95 annually

Integrated Voice Response (IVR): $24.95 annually

ACH Return: $10.00 per item

Retrieval Request: $10.00 per item

Investigations: $10.00 per investigation

Charge Backs: $15.00 per charge back

Insufficient Funds: $20.00 each occurrence

You may also be subject to a different discount and authorization fees if authorizations are submitted to your ProPay account, on your behalf, by an approved affiliate utilizing ProPay’s XML interface. These different fees are maintained and published by the affiliate that submitted the transactions on your behalf.

[anallawalla]

That's a long list of fees. How much would one lose for, say, a $100 transaction?