Online credit card payment - for UK business

Recommendations for an easy-to-setup and inexpensive facility

[kapow]

Any advice from small UK businesses with online credit card payment? - I'm looking for an easy-to-setup and inexpensive credit card payment facility to process international payments to my UK business. I don't have/want a US Merchant Account (many payment gateways seem to require it).
It must:
- Be suitable for a small business (less then £100k turnover per year).
- Process regular payments (smaller sums of money paid automatically every month) e.g. standing-orders for website hosting.
- Process Ad.hoc payment (larger amounts paid once) e.g. One-off cost for website development.

[Crazy_Fool]

worldpay does all of that and more. sticky me if you want more specific information.

[ideavirus]

You can try swreg.org or kagi.com !

Good luck
:)

[CromeYellow]

I second Crazy_Fool - we use WorldPay. Their support is great, the system easy to implement and stats etc good and easy to get hold of.

[kapow]

Thanks Crazy_Fool
The more I look into this the more I hear 'worldpay'. I'll give them a call.

[gsx]

WorldPay are reasonably good, however they process payments immediately, even if their system reports the AVS address check does not match and if they give a warning over the card usage pattern or known email addresses that are used for fraud. When you refund, you lose you transaction fee and still risk a chargeback (yes, you can get a chargeback for an amount you have refunded - I don't understand why).

Be careful with worldpay and you will be fine. First thing is to set up for a pre-auth account. This means that the card is authourised only; transactions are only made when you specifically request payment. Any fraud, or orders you can't fulfil, or don't like the look of etc..., you can ignore and the person will never be charged, hence they cannot chargeback.

Others in the UK that could be worth setting your payments up for (you will need to allow the users the choice) are www.nochex.com (free to set up and with a checkout facility) and www.fastpay.com (free to set up, but no checkout and a limit of £250 per day). Some users would much prefer to use these. Fastpay is owned by the Natwest bank, and I believe that they also partially own nochex as well (though I could be wrong on that). Both of these are similar to PayPal in that the user has to create an account before they can pay you, so it is a good alternative for users to choose, but maybe not as you only method.

[kapow]

Anyone using PayPal for this kind of thing?

[gsx]

I used PayPal for a UK website and got zero orders. Yes, zero. In a month.

Switched to WorldPay and immediately started to get three or four per day.

PayPal do not allow UK users to sign up from a payment page; the customer follows the link to pay, realises he doesn't have an account, clicks sign up and it only allows you to be American. There is no international option there. PayPal should be ditched for all non-American sites until that is changed.