Is it time to consider a merchant account?
But when it comes to business, if you're doing any real volume of sales per month, I highly recommend that you diversify and give your business an added safeguard. And this doesn't just apply to PayPal, but rather any single solution provider - it's just not smart to have all of your eggs in one basket.
We recently went through the process to get a merchant account and I was very pleased with how straightforward it was and how pleasant the overall experience was. I can't believe we put it off all these years...
Now this is not some plug and there's no links here, but we chose PowerPay for their relationship, direct account representative access and their understanding of Internet Business ebbs and flows. They use Authorize.net as their gateway so it's a simply integration. We had the account approved in 2 days and live that same afternoon.
Anyway, I have to say that having the ability to flip a switch between merchant providers is a very solid business decision and one we should have made some time ago.
We've also found that cart abandonment is lower and conversion rates a bit higher as well just from the simple one-click purchase process rather than the cumbersome PayPal interface.
Lastly there are some shopping cart benefits as well. For example, you can't combine recurring and non-recurring items in a single shopping cart transaction with PayPal but can with a Merchant account (depending on your cart software - we use Premium Web Cart). Also, you can truly implement one-click upsells with a merchant account - something also not feasible with PayPal.
Anyway, just some food for thought...
This is not meant as a bash on PayPal, but rather just an encouragement to consider risk diversification if you have a strong business online and the financials to document it.
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