Best Online Payment Processing!

18 replies
Hi all,

I have a website which will allow people can buy information products online. As I am starting my business I do not want to open a merchant account. my question is:

1- Which is the best payment processing to use which allow people to use their credit card?

2- Not using a merchant account reduces the payment rate. For example: some people do not like the idea of having to open a Pay-Pal account to make payments so they do not buy.

What is the solution for that. I do not want to open a merchant account but I also want customers to have the confidence to make payment online.

Thank you very much for your time and attention.

Kind regards,
mbacchi
#online #payment #processing
  • Profile picture of the author LogoNerds
    I recommend 2checkout.com and fastspring.com Both are great options and both also allow your customers to use either a credit card or paypal.
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    • Profile picture of the author mbacchi
      Originally Posted by LogoNerds View Post

      I recommend 2checkout.com and fastspring.com Both are great options and both also allow your customers to use either a credit card or paypal.
      Thank you for your reply!

      Do you know any website that uses 2checkout.com or fastspring.com

      I would like to have a look at how the system looks like to the client.


      Again many thanks!
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      • Profile picture of the author Devid Farah
        Hi mbacchi,

        you could try also WorldPay.com and

        Authorize.net
        Payment Gateway to Accept Online Payments
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      • Profile picture of the author CyberSorcerer
        Originally Posted by mbacchi View Post

        Thank you for your reply!

        Do you know any website that uses 2checkout.com or fastspring.com

        I would like to have a look at how the system looks like to the client.


        Again many thanks!
        Although I'll be using 2Checkout and Paypal for my membership site, it's not live yet.

        But you can take a look at CartoonSmart, where I'm one of the instructors and a forum admin, who are using both Paypal and 2Checkout.
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  • Profile picture of the author ShaneRQR
    I've been very happy with PayPal so far. Since merchant accounts for international payments and having said merchant accounts integrated with membership systems can be a real pain (particularly since I'm not a US resident and accept payments in US Dollars), I'm looking at giving PayPal Website Payments Pro a go.

    This is basically the payment processor/payment gateway solution by PayPal, where you integrate the payment process on your site. To the buyer, it's simply a "pay by credit card" option and it's not visibly handled by PayPal.

    I'm still looking into this, so I can't report on how well this works out, yet. But I think it's an option non-US vendors should definitely know about. All other solutions I've seen so far are more complicated and/or more expensive.
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    • Profile picture of the author mbacchi
      Originally Posted by ShaneRQR View Post

      I've been very happy with PayPal so far. Since merchant accounts for international payments and having said merchant accounts integrated with membership systems can be a real pain (particularly since I'm not a US resident and accept payments in US Dollars), I'm looking at giving PayPal Website Payments Pro a go.

      This is basically the payment processor/payment gateway solution by PayPal, where you integrate the payment process on your site. To the buyer, it's simply a "pay by credit card" option and it's not visibly handled by PayPal.

      I'm still looking into this, so I can't report on how well this works out, yet. But I think it's an option non-US vendors should definitely know about. All other solutions I've seen so far are more complicated and/or more expensive.
      Thank you very much for your quick reply!

      I know that people do not like the idea of opening a PayPal account to do payment. I will have a look at the PayPal Website Payments Pro and let you know if I decide to implement it.

      Do you know anything about the PayPal Payments Pro costs? Can it be implemented with 1Shoppingcart or Infusionsoft?

      Many thanks!
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      • Profile picture of the author ShaneRQR
        Originally Posted by mbacchi View Post

        Thank you very much for your quick reply!

        I know that people do not like the idea of opening a PayPal account to do payment. I will have a look at the PayPal Website Payments Pro and let you know if I decide to implement it.

        Do you know anything about the PayPal Payments Pro costs? Can it be implemented with 1Shoppingcart or Infusionsoft?

        Many thanks!
        I think it's 30 bucks a month plus fees.

        Integration: I'll have to get on the phone with a rep next week to ask about integration as well as a few other things. See, if they use the same IPN system for payments pro as they do for PayPal standard, then integration will be a breeze!

        I agree that it's best to have a "pay with credit card" option as well as a "pay with paypal" one. In the ecommerce business I used to be in, we saw up to 20% increase in orders from offering this option, so it's defintely worthwhile.
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  • Profile picture of the author affiliatelabel
    I use ccprocessing.org one of the lowest rates for processing online. rey or linda can get you set up for free, and give you the best rates
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  • Profile picture of the author RoyChan
    Payment fee as follows:

    2CO:

    * $49 USD one time signup fee
    * $0.45 USD per Sale
    * 5.5% of Sale Amount
    * No monthly fees
    * No statement fees
    * No leases
    * No SSL certificate to buy
    * No fees for ACH deposits to U.S. or participating Canadian bank accounts
    * Check Payment or Low Cost Wire to Non U.S. Bank Accounts
    * FREE shopping cart
    * FREE code for your web site
    * FREE on-line tech support


    Paypal:

    Please search for the respective location where you are at, as I am from non-US and can't pull the relevant data for you.

    Make sure the fee is acceptable, as you are in for the long haul.

    Cheers!
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    • Profile picture of the author entry
      Originally Posted by RoyChan View Post

      Payment fee as follows:

      2CO:

      * $49 USD one time signup fee
      * $0.45 USD per Sale
      * 5.5% of Sale Amount
      * No monthly fees
      * No statement fees
      * No leases
      * No SSL certificate to buy
      * No fees for ACH deposits to U.S. or participating Canadian bank accounts
      * Check Payment or Low Cost Wire to Non U.S. Bank Accounts
      * FREE shopping cart
      * FREE code for your web site
      * FREE on-line tech support


      Paypal:

      Please search for the respective location where you are at, as I am from non-US and can't pull the relevant data for you.

      Make sure the fee is acceptable, as you are in for the long haul.

      Cheers!

      Cheers for this outlook on 2Checkout
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      I Have to say a Massive...THANK YOU to every Warrior who has helped me, and thanks to every warrior who helps me in the future...
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  • Profile picture of the author Natalie Solovyeva
    PayPro payproglobal.com can be a good option for you. It is a 3rd party payment processor. Customers may pay with the credit card, PayPal, check, wire transfer, WebMoney, choose phone/fax order as well.
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  • Profile picture of the author monsur
    You can also try alertpay or STP.Both are good enough
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  • Profile picture of the author Brian Mullis
    Originally Posted by mbacchi View Post

    Hi all,

    I have a website which will allow people can buy information products online. As I am starting my business I do not want to open a merchant account. my question is:

    1- Which is the best payment processing to use which allow people to use their credit card?

    2- Not using a merchant account reduces the payment rate. For example: some people do not like the idea of having to open a Pay-Pal account to make payments so they do not buy.

    What is the solution for that. I do not want to open a merchant account but I also want customers to have the confidence to make payment online.

    Thank you very much for your time and attention.

    Kind regards,
    mbacchi
    Just to clarify, your customers do not have to signup for a PayPal account in order to pay via credit card through PayPal. On the order page, they can click the "Don't Have a PayPal Account?" link and pay with their credit card or debit card.

    Brian
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  • Profile picture of the author Alexa Smith
    Banned
    Originally Posted by mbacchi View Post

    some people do not like the idea of having to open a Pay-Pal account to make payments
    Luckily, they don't need to.

    People buying something through PayPal don't need a PayPal account.

    Originally Posted by mbacchi View Post

    What is the solution for that.
    Make it clear to your customers that they don't need a PayPal account to pay that way.
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  • Profile picture of the author Myheavens
    have you looked at plimus.com... It is also very reputed payment processor.
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  • Profile picture of the author musiclyons
    I recommend using 2checkout.com or DLGuard. Both are very good. Hope this helps...
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    • Profile picture of the author LiamElliott
      Just to be clear, selling with clickbank does not require the use of a paypal account? It is my understanding that all sales get sent by check. Is this true?
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  • Profile picture of the author Al amin
    Here is the list......
    1. 2CO
    2. 2CO
    3. 2CO
    4. 2CO
    5. Fastspring

    Not fun. Damn true.

    Thanks
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