How to accept $1,000 - $3,500+ regular payments? | Warrior Forum - The #1 Digital Marketing Forum & Marketplace

8 years ago

Why would Paypal be too risky? Also, if the client was paying online you could setup a stripe.com account, its a lot easier to use for over seas people AND it has no monthly charges.

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qwertzu

8 years ago

Check Skrill, may they have what you are looking for.

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bryans550

8 years ago

i would say paypal

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windycityxx

8 years ago

Any other suggestions?

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Omarkenawy

8 years ago

I strongly suggest PayPal. It`s most convenient for sender and receiver. Then transfer the money from your PayPal Balance account to your Bank account or your Visa credit card.

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windycityxx

8 years ago

What other options besides Paypal, was looking for more alternatives?

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1 reply

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Omarkenawy 8 years ago

Originally Posted by windycityxx

What other options besides Paypal, was looking for more alternatives?

For PayPal alternatives, this list includes 46 alternatives to paypal
Here You Go -- 46 PayPal Alternatives!
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Randall Magwood

8 years ago

I'm thinking maybe escrow .com. They maybe able to help with this.

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OussamaBusiness

8 years ago

if you not want paypal you can use Payooner Card it's the perfect card for accepting payments

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1 reply

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windycityxx

8 years ago

It seems there is a waiting period with Payoneer, looking for something more instant and secure, any other options?

Originally Posted by OussamaBusiness

if you not want paypal you can use Payooner Card it's the perfect card for accepting payments

Thanks
2 replies

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sconer 8 years ago

Have you looked into Square?

I use them all the time for $3-5,000 jobs. I usually e-mail my customer an invoice thru Square, they just click the link and use their CC to pay on Square's website. Or I can take their CC number over the phone and enter it myself, but it's a higher rate for doing that.
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OussamaBusiness

8 years ago

Originally Posted by windycityxx

It seems there is a waiting period with Payoneer, looking for something more instant and secure, any other options?

i have other service for accepting payments it's https://www.neteller.com/ it's the perfect card for accepting payments

Thanks
1 reply

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salegurus

8 years ago

Originally Posted by sconer

I've heard countless times over the last 10+ years that Paypal will randomly freeze people's accounts and sit on it for many months without giving them valid reasons or ways to fix it.

Originally Posted by OussamaBusiness

i have other service for accepting payments it's DELETED/ it's the perfect card for accepting payments

YES, i think we heard you the first time....

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ChrisBa

8 years ago

What's wrong with paypal?

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sconer

8 years ago

Originally Posted by ChrisBa

What's wrong with paypal?

I've heard countless times over the last 10+ years that Paypal will randomly freeze people's accounts and sit on it for many months without giving them valid reasons or ways to fix it.

Thanks
3 replies

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Jack Gordon

8 years ago

Originally Posted by sconer

I've heard countless times over the last 10+ years that Paypal will randomly freeze people's accounts and sit on it for many months without giving them valid reasons or ways to fix it.

Mostly, this happens to accounts that look like they have shady things going on. If this is completely above board, I wouldn't be too concerned.

However, if it was completely above board, I would also be getting a real merchant account for it.

OP, why don't you want a real merchant account?

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Zan Elwick 8 years ago

go with paypal
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kursat

8 years ago

Originally Posted by sconer

I've heard countless times over the last 10+ years that Paypal will randomly freeze people's accounts and sit on it for many months without giving them valid reasons or ways to fix it.

Say that you regulary receive around $1K per month via Paypal and suddenly you started receiving $10K payments. paypal will then freeze your account until you provide them with some simple security questions. Your account than normally goes back to active after 24 to 48 hours.

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salegurus

8 years ago

Originally Posted by sconer

I've heard countless times over the last 10+ years that Paypal will randomly freeze people's accounts and sit on it for many months without giving them valid reasons or ways to fix it.

That's BS, Paypal doesn't freeze accounts willy-nilly.... It's always people trying to bend the rules who get caught and then complain afterwards...

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sconer

8 years ago

Originally Posted by salegurus

That's BS, Paypal doesn't freeze accounts willy-nilly.... It's always people trying to bend the rules who get caught and then complain afterwards...

I don't agree with you on that. But your mind is made up so there's no use continuing.

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1 reply

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agmccall

8 years ago

Originally Posted by sconer

I don't agree with you on that. But your mind is made up so there's no use continuing.

You really don't have to agree with anyone, just understand it is the truth. You can research here. Post after post of people who had their paypal accounts frozen usually came down to a few things.

1. They did not upgrade to a premier or business account, but conducted business.

2. Got a lot of complaints, refund requests, or disputes.

No one ever seems to be frozen for no reason at all.

But you have made up your mind to believe lies

al

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sconer

8 years ago

Originally Posted by agmccall

You really don't have to agree with anyone, just understand it is the truth. You can research here. Post after post of people who had their paypal accounts frozen usually came down to a few things.

1. They did not upgrade to a premier or business account, but conducted business.

2. Got a lot of complaints, refund requests, or disputes.

No one ever seems to be frozen for no reason at all.

But you have made up your mind to believe lies

al

You are talking from the perspective of an internet marketer. That is where all of your references come from.

I am speaking as a casual internet user. The accounts I have been told are from friends, family members, and general internet users who have used Paypal in a casual manner and had their accounts frozen for what ended up being no reason at all, certainly not breaking of any rules. I also mentioned it being over a 10+ year period, so things may be a bit different today.

You accused me of believing lies, when the truth is that you don't have a clue what I believe. You are the only dishonest person here for stating that.

I sincerely apologize is I insulted Paypal and all of it's apologists who are coming out of the woodwork.

Thanks

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Jordan Alexander 8 years ago

Paypal does freeze accounts willynilly... Accounts tend to get frozen far before a merchant account provider - That is the main difference between using an aggregator or a merchant account provider. Aggregators react to uncertainties with account closures.. Merchant account providers tend to protect their merchants, and offer resolutions before a quick closure. Aggregators approve questionable accounts while a merchant account provider will not open the account in the first place. Paypal is very secure, but the uncertainties and increased rates - not worth it IMO for a business clear 000's each month.
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mustafavanancio

8 years ago

Are you looking for the lowest rates and a safe payment provider or are you looking for an alternative to PayPal and one that protect your payments?

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RealNinja

8 years ago

I would recommend Stripe, Square, or just getting a merchant account.

A merchant account is going to give you the best rates and is probably what I'd recommend.
You could simply go to your bank and see what kind of merchant account they offer

Thanks
1 reply

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sconer

8 years ago

Originally Posted by RealNinja

A merchant account is going to give you the best rates and is probably what I'd recommend.
You could simply go to your bank and see what kind of merchant account they offer

I have a lot of customers who pay with Amex or rewards cards, I was told that rates for those cards could be very high with a merchant account. Is that true?

I currently use Square which is 2.75% across the board. I also like it because there is equipment fees and no monthly fees. On those months where I don't have many customers paying with CC, I don't have to worry about fees.

Thanks
1 reply

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Oziboomer

8 years ago

Originally Posted by sconer

I have a lot of customers who pay with Amex or rewards cards, I was told that rates for those cards could be very high with a merchant account. Is that true?

Usually if you are going to use a payment gateway with Amex you normally have to have an Amex merchant account.

The higher fees you pay for some processors that deal with the issue that you don't have a merchant account are just their way of covering the additional costs of processing the transaction.

the rate you may on a merchant account is based on your volume, transaction size, risk etc.

Usually you need to have some history to be able to negotiate better rates and if the majority of your purchases are using Amex then you should approach the various payment gateways and also Amex to discuss who can offer the best rates and service.

The rate you are paying through Square is competitive if the majority is amex. You may find better rates on Visa, Mastercard and Debit Cards but Amex and Diners are usually higher unless you have some serious volume.

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sconer

8 years ago

Originally Posted by Oziboomer

Usually if you are going to use a payment gateway with Amex you normally have to have an Amex merchant account.

The higher fees you pay for some processors that deal with the issue that you don't have a merchant account are just their way of covering the additional costs of processing the transaction.

the rate you may on a merchant account is based on your volume, transaction size, risk etc.

Usually you need to have some history to be able to negotiate better rates and if the majority of your purchases are using Amex then you should approach the various payment gateways and also Amex to discuss who can offer the best rates and service.

The rate you are paying through Square is competitive if the majority is amex. You may find better rates on Visa, Mastercard and Debit Cards but Amex and Diners are usually higher unless you have some serious volume.

Thanks. With what you just said, I am just going to stick with Square. I raised my rates to cover the fees when I first started accepting CC's so it's the customers problem, not mine

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agmccall

8 years ago

Paypal has a merchant account, It is called paypal payments pro with gateway

al

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teresateresa1947

8 years ago

According to me, you should you more than one site. Such as you can you use the Paypal & Skrill.I am sure this two site is really reliable. You can use these two site without any doubt. Before making this huge amount transaction, you must need to verify your account. Thanks.

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jordel

8 years ago

you own merchant account... i wouldnt use paypal for big transactions...

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Marvin Adam 8 years ago

Being a general standard, I don't see any issues with PayPal.
Also never heard of any issues with it personally in a decade.
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windycityxx

8 years ago

My only concern is $1,000-$3,500 is quite a bit of money for a work at home program, sure it works but only if the person actually does anything with it..

I want to avoid someone coming in and not doing anything then running to Paypal wanting a refund.. or going to their credit card company and trying to do a chargeback..

Any other options or thoughts?

Thanks

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Synnuh

8 years ago

Either offer no refunds, or offer a short cooldown period.

There is a 72 hour cooldown period, after which NO refunds will be offered without ample proof that they tried to make it happen and were open to consulting to figure out why it didn't work, before they were refunded to throw in the towel.

Make them clearly agree to it before they purchase so you have something to send their credit card, bank, or PayPal if they try to chargeback.

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Steve L

8 years ago

what about bitcoin?

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Michael Fuentes

8 years ago

WindyCityXX,

What's your industry? What products / services will you be processing payments for? What's your estimated weekly sales turnover? What's your estimated chargeback and refund percentage?

Business opportunities, MMO, credit repair, payday loans, tech support, software and services among others are not accepted by many direct and third party international merchant account providers that offer a virtual terminal for card-not-present and MOTO (mail order / telephone order) transactions, such as banks, PayPal (through their PayPal Payments Pro with VT), Stripe and so on ...

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Kay King

8 years ago

I want to avoid someone coming in and not doing anything then running to Paypal wanting a refund.. or going to their credit card company and trying to do a chargeback..

So it's not a payment system you are looking for - but a payment system that will prevent people from getting a refund? And you want it to instantly release the payment to you as purchases are made. Does your sales copy clearly state "no refunds"?

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windycityxx

8 years ago

Yes clearly states "no refunds" but have had some issues with Paypal in the past, had 5-6 clear pieces of evidence and stated "no refunds" and still had a few chargebacks so looking for other options besides Paypal etc?

Anyone else have any thoughts?

Originally Posted by Kay King

So it's not a payment system you are looking for - but a payment system that will prevent people from getting a refund? And you want it to instantly release the payment to you as purchases are made. Does your sales copy clearly state "no refunds"?

Thanks
1 reply

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Michael Fuentes 8 years ago

WindyCityXX,

Originally Posted by windycityxx

Anyone else have any thoughts?

There are a few other ways aside from having a no refunds policy that you can implement so as to protect yourself against chargebacks and refunds for card-not-present or over the phone transactions -- These include having a system for any of the following processes:

** You get the customer's credit card details. Customer receives an email from you with an invoice that also has your no refunds policy clearly stated. Customer clicks a link to digitally sign the invoice. Once you get the digitally signed invoice, you process the transaction -- This'll protect you against customers saying that they never purchased anything from you in the first place ...

** Once transaction is successful, you ship the item. Customer gets an email with the shipping details, your no refunds policy clearly stated, and a link that customer must click so as to confirm shipping details. Once customer receives the item, customer must acknowledge receipt of the item via email, stating that he or she received the item in full working order, in order for customer to be added to your customer support portal, or whatever you think can entice customers to do this as soon as they receive the item -- This can protect you against customers who say they didn't receive their purchased items, and also against customers who say they received a defective item or an item not as described ...

However, you'll need to supply these things to your merchant account provider or third party merchant processor if the customer files a chargeback or refund with their bank / card provider ...

And ...

If you operate in a high risk industry, among other things that are dependent on your answers to the questions that I mentioned in my earlier post in this thread -- Then your merchant account provider or third party merchant processor (like PayPal( may choose to not fight the claim right then and there ...
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stoneseo

8 years ago

paypal is definitely risky but if you are doing a legit business then you wont have any problems.

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HelpingYouBeAnExpert

8 years ago

Who every you use could block your money it happened to me once they locked a bunch of money after a large promo we did for months to make sure it was not a scam then they released the money so you risk it no matter what.

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reachintan

8 years ago

Personally, PayPal is the most safest option around since it is a child company of eBay...more importantly I am using PayPal for years now for receiving my online commissions and finding it the most safest among all online payment options...still if any doubts then check out reviews from the employees itself at https://www.glassdoor.co.in/Reviews/...iews-E9848.htm...

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davidsuazi 8 years ago

I would say paypal.
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- travelaffiliate 8 years ago
  
  I would suggest a way . Join freelancer.com and opt for a paid membership. Then you can send invoices to external clients and get paid instantly to.
  
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monica29312

8 years ago

I believe the Paypal & Skrill. Both of the Online money transaction system is very good. I have been using these two site for a long time. I am sure, you can use these two site without any problem. But you have to verify your identity before making this big amount transaction. Due to the Money Laundering Low, you must verify your address or, Back account, National ID Card/ Driving License/ Passport. You need to be minimum 18 years old. Thanks

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ContentPro22

8 years ago

Paypal all the way. I've been accepting payments, large and small, through here for years. Never had an issue.

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enjamulahsan

Banned 8 years ago

Use paypal, if your profile is completed to 100%. And if not then use, payoneer. Thats it. These are the best ideas.

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IvyB92

8 years ago

I prefer paypal, too

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OussamaBusiness

8 years ago

Payooner , Netller , Other Internet Bank Account

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TotalWebsiteControl

8 years ago

If it's all legit then you should have no problem with paypal. I have had an account with them for years and never had problem accepting large payments.