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Accepting credit card payments

by Jon12345
7 replies
I want some method to accept credit card payments online for a service I run. Currently, I have Natwest Streamline and Secure Trading combination, but my low volume mean the fixed expenses are too much.

Any recommendations?

Thanks,

Jon
#accepting #card #credit #payments
  • Profile picture of the author JayVance
    I personally use paypal but I am dealing with higher purchase amounts so it's not a deep cut into my profits. There is many credit card processors out there, you may just have to shop around till you find one with the lowest fees.
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  • Profile picture of the author Dan Thompson
    We use Natwest/Streamline as our Merchant bank, and use Sagepay as the gateway.

    We don't get charged any fixed costs from Streamline, only the cut they take from transactions (which are low compared to other providers like 2Checkout, PayPal, etc.) and I think Sagepay costs us around £25 per month, so that's the only fixed fee we incur.

    So if you are paying more than that with your current Gateway provider, have a look at Sagepay, they have a number of different integration methods you can use and we've never had any problems with them.
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  • Profile picture of the author Jon12345
    Secure Trading are charging me like a £250 annual fee + transaction charges. Streamline are charging me £30 per month minimum fee. Do they not charge you that? Or do your monthly transaction costs come to more than that?
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    • Profile picture of the author Dan Thompson
      Originally Posted by Jon12345 View Post

      Secure Trading are charging me like a £250 annual fee + transaction charges. Streamline are charging me £30 per month minimum fee. Do they not charge you that? Or do your monthly transaction costs come to more than that?
      No, we don't get charged a monthly fee from Streamline, only the %age they take per transaction, which will come to more than £30 pm. We've used them for years but thinking back to when we first had the meeting with the agent, they may have mentioned a minimum monthly fee being taken if transaction fees were under £x in a particular month.
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  • Profile picture of the author JamesGw
    Use paypal. It's the only way to go.
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    • Profile picture of the author tim62
      Have you tried Retail Merchant Services? I used to use them when I was in retail and they were the cheapest on the market at the time. Might be worth an email or phone call, they're in Milton Keynes.
      0845 241 9960

      It may depend on what you're promoting, but if you're already set up with Steamline, I reckon they should accept you.
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  • Profile picture of the author Helps Here
    I use paypal, and never had any issues. its so easy. love them personally.
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