Accept Payments Online Without PayPal?

by Exire
5 replies
Anyone have any advice on taking credit card payments online without using Paypal? I'm aware there are other sites like AlertPay and such, so they may be an option. Anyone have any experience with other payment processors that they can share?

I'm trying to stay away from Paypal due to all of the horror stories going around about them and a problem I had with them personally.

Here are my requirements:

1: I should have reasonably quick access to the payment--preferably instantly, but I'd be happy with 24 - 72 hours. I'll need it to pay for outsource work and I can't wait to be paid once a month or even twice a month. Weekly payment or access to the funds is about as slow as I can allow.

2: They shouldn't have a fit and close/lock the account because I get a payment of $2,500 or $5,000 from someone. They also shouldn't have any problems with me receiving payments from multiple clients about once a month--when I invoice them or the recurring billing cycle triggers--for these amounts. To begin with, I'm estimating I'll have around $10,000 - $15,000 in payments from the clients per month, with an upper limit of about $25,000 from 5 to 10 clients. This will likely accumulate over 3 - 6 months (i.e., an additional client or two per month up to 5 or 10 within six months, though I plan to acquire more eventually).

3: I would prefer something with the ease of use of Paypal, but without their bad reputation of limiting accounts and holding funds for six months. Basically, something where I sign up and I'm ready to go right then. All I have to do is get the "Buy Now" button code and stick it on my site.

I'm aware that merchant accounts exist, but I'm not quite ready for that just yet (I'm just getting the business up and running so I can't exactly show them invoices/payments from clients, etc). I'm not even sure I'd qualify and I don't want to waste the time applying only to be rejected and then going through it again with another merchant account provider until I find one that will work with me. Once things are running smoothly I'll go with this option but at the moment I'd rather not.

So, anyone have any suggestions for a third-party payment processor that would fit the above requirements, or am I out of luck?

I've also heard good things about PowerPay.biz and, while they're a merchant account, they appear to have a reputation for being quite helpful and working with you. They may be an option. Anyone have any personal experience with them?
#accept #online #payments #paypal
  • Profile picture of the author rhinocl
    Take a look at Google checkout. not sure if it will meet all your requirements
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    • Profile picture of the author faceitfacts
      Instadebit might fit those, again check all their rules though.
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  • Profile picture of the author coluden
    Checkout http: 2checkout(dot)com
    They may have a good solution for you.
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  • Profile picture of the author Exire
    Thanks guys.

    Take a look at Google checkout. not sure if it will meet all your requirements
    I took a quick look at Google Checkout earlier but decided they wouldn't work. Can't remember the exact reason why (I've been looking at a lot of such sites lately and they're all starting to run together in my head) but I believe it was something to do with transaction limits--either per month or per transaction--that eliminated them.

    Instadebit might fit those, again check all their rules though.
    Would this be instadebit.com?

    If so, I can't use it. Going to the site gives me the message:

    "INSTADEBIT is not available to residents of the United States of America.

    INSTADEBIT web site and its services can not be accessed from within the U.S."

    Checkout http: 2checkout(dot)com
    They may have a good solution for you.
    2CO is a potential candidate. I've looked into them a bit already. They have a "verification" process though whereby they call up your customers (some % or other of them, particularly with new accounts) to make sure they got what they paid for. This typically happens within 3 - 14 days for intangible products (which is what I'm selling--a service). Sounds great, but the problem for me is that the client likely won't see any results for 2 - 4 months once they've hired me, thus they can't exactly be "verified" through this process.

    However, I did get in touch with 2CO through their site and they said they realize that it's not a perfect system for all businesses and that they may be able to work with me on it. I just have to follow up, which I haven't yet. I'm just trying to find all of the alternatives out there before settling on anything.

    Thanks again guys. And if anyone else has any input, feel free to add to this list.
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