Apart from PayPal, what do you use?

65 replies
Hey Warriors

What are you using for payment processing apart from PayPal?

I ask this because we've just implemented Authorize.net and 2checkout to our platform, and want to know what other payment processors/platforms most IMers use.

Thanks in advance for letting me know!

Cheers,
Welly
#payment gateway #payment processor #paypal
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  • Profile picture of the author Cobaki
    Despite the several times that Paypal has messed up my finances, I don't know why I am still a solid Paypal user. Yes, 2checkout is a good alternative. But I also heard from some of my colleagues that Payza offers them just everything that they need. I’m not really sure about what they meant by that, but it sounds great.
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    • Profile picture of the author JimmyRose
      Originally Posted by Cobaki View Post

      Despite the several times that Paypal has messed up my finances, I don't know why I am still a solid Paypal user. Yes, 2checkout is a good alternative. But I also heard from some of my colleagues that Payza offers them just everything that they need. I'm not really sure about what they meant by that, but it sounds great.
      It seems Paypal are cleaning up their act a bit. They followed up with a phone call after I sent them an email on the same day which I thought was impressive. Definitely need a backup solution just in case but I'm nowhere near as worried about losing accounts as I used to be! (maybe this just changes once they see money going through?)

      For the OP, the most common one I'm seeing these days is 2checkout. That would definitely be my second choice
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    • Profile picture of the author nicheblogger75
      Originally Posted by Cobaki View Post

      Despite the several times that Paypal has messed up my finances, I don't know why I am still a solid Paypal user. Yes, 2checkout is a good alternative. But I also heard from some of my colleagues that Payza offers them just everything that they need. I’m not really sure about what they meant by that, but it sounds great.
      I prefer Payza as my alternate or backup payment processor but about a year ago something happened with a finance company or bank they were dealing with and they were no longer able to serve US clients. However, about two weeks ago I received an email from them informing me that they are once again serving the US and so I was able to re-activate my account.
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    • Profile picture of the author urangkb
      Originally Posted by Cobaki View Post

      Despite the several times that Paypal has messed up my finances, I don't know why I am still a solid Paypal user. Yes, 2checkout is a good alternative. But I also heard from some of my colleagues that Payza offers them just everything that they need. I'm not really sure about what they meant by that, but it sounds great.
      Hi Cobaki, would you mind to share how paypal messed up your finances?

      I once use alertpay but never use them since they switch to payza. Still using paypal and paypal.
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    • Profile picture of the author nicheblogger75
      Originally Posted by Cobaki View Post

      Despite the several times that Paypal has messed up my finances, I don't know why I am still a solid Paypal user. Yes, 2checkout is a good alternative. But I also heard from some of my colleagues that Payza offers them just everything that they need. I'm not really sure about what they meant by that, but it sounds great.
      Payza is a great service. I would use that if for some reason I could not use PP anymore. They recently went through a period where they could not serve US clients, but they have recently opened their services back up to US users.

      Payza has basically all of the same features as PP. The problem is that it has not become very popular as of yet, but I think it is going to pick up momentum as more and more marketers find out about it. I know that a lot of people who mess around with PTC sites like Clixsense and Neobux use it.
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  • Profile picture of the author Mark Hess
    Welly, I love Zaxaa, we've been using it for two of our products and it works flawlessly.

    Payza would be good, but what I would really like to see is Paxum: https://www.paxum.com/payment_docs/p...piIntroduction
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    • Profile picture of the author wellymulia
      Hey Mark

      Glad you're loving Zaxaa

      Keep using it and let me know if you need any help at all

      Originally Posted by Mark Hess View Post

      Welly, I love Zaxaa, we've been using it for two of our products and it works flawlessly.

      Payza would be good, but what I would really like to see is Paxum: https://www.paxum.com/payment_docs/p...piIntroduction
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    • Profile picture of the author AeroBuilders
      Originally Posted by Mark Hess View Post

      Welly, I love Zaxaa, we've been using it for two of our products and it works flawlessly.

      Payza would be good, but what I would really like to see is Paxum: https://www.paxum.com/payment_docs/p...piIntroduction
      How do you collect your money - what are the options available that you currently use?
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  • Profile picture of the author PerformanceMan
    Payza, and EgoPay are pretty good options too.
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    • Profile picture of the author TestTinkerer
      Payzaa I think is a viable alternative.
      Honestly, I feel like using paypal is sometimes like going to the loansharks to do business with.
      If you're really unlucky, they'll even try to give you an offer "you can't refuse"
      I think its best for people to have 1 alternative shopping cart.
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  • Profile picture of the author ddev
    Hi Welly,

    1 Question: Does zaxaa has IPN integration?

    This is basically valuable when you're selling software / wp plugins etc as we can use that info to create accounts on the server and send the credentials to users.

    Best Regards,

    Diego.
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  • Profile picture of the author trader909
    Banned
    none

    US c.c. companies too quick to refund their customers no questions asked. checks/bank only.
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  • Profile picture of the author abuhanifa
    Have you tried Google Checkout? ==> https://checkout.google.com/sell
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    • Profile picture of the author Cobaki
      Originally Posted by abuhanifa View Post

      Have you tried Google Checkout? ==> https://checkout.google.com/sell
      Some of my friends told me that Google Checkout is shutting down on November. Is this true? But they also told me that Google Wallet will be its replacement. However, I am still not that sure if it is safe to try opening a Google Checkout account right now.
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      • Profile picture of the author vishwa
        Originally Posted by Cobaki View Post

        Some of my friends told me that Google Checkout is shutting down on November. Is this true? But they also told me that Google Wallet will be its replacement. However, I am still not that sure if it is safe to try opening a Google Checkout account right now.
        Yes! It is true after November 20, 2013, Google Checkout will no longer be supported. If you process payments using Google Checkout. It will automatically transferred to Google wallet.
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  • Profile picture of the author kennytan
    Moneybookers, Payza and Worldpay
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    • Profile picture of the author greg80221
      i have used authorize.net but found them to be very expensive compared to others. I use usaepay, 2checkout, and paypal for the most part. I used to use square as well but they have a ambiguous morals clause and didn't like some of the transaction titles I sent and they also slow down large payments so pretty much dropped them like a bad habit. I have been looking at AcceptSafe they are a authorize.net reseller so they are cheaper and will work with anything that authorize works with.
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  • Profile picture of the author Dennis Ray
    Moneybookers, but Paypal is best hands down.
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    • Profile picture of the author Cobaki
      Originally Posted by DennisRay View Post

      Moneybookers, but Paypal is best hands down.
      Paypal is the best? Not really. Yes, it is very convenient and it is the most popular, but there are a lot of problems that Paypal can give you. I have been using Paypal for years now and I have had major problems for around five to seven times. The only reason why I am still using it now because I am already so used to it.
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  • Profile picture of the author newtonguywoodiii
    Aside from Paypal, I am using Payzaa. it is a good option as well. Some even use it as their main payment method. However, for me, Paypal would always be conventional since most people and establishments use Paypal. I got some difficulties finding individuals who accept Payzaa though it is very easy to use.
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  • Profile picture of the author kingofthesouth
    Originally Posted by wellymulia View Post

    Hey Warriors

    What are you using for payment processing apart from PayPal?

    I ask this because we've just implemented Authorize.net and 2checkout to our platform, and want to know what other payment processors/platforms most IMers use.

    Thanks in advance for letting me know!

    Cheers,
    Welly
    One of the best payment processors is OkPay. Accepts a slew of payment options and has a debit card for instant withdrawals.

    Reliable electronic currency with instant money transfers and transaction protection | OKPAY
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  • Profile picture of the author ppetri
    If you are using a script or plugins for your backend processing,downloads protection, or memberships (Amember Pro, OptimizePress 2.0, DAP, DLGaurd, etc) then you may want to see what Credit Card Processors they have compatibility with first. Just a thought!


    The standards for most are 2Checkout, Paypal, Authorize.net, Worldpay, and 1 Shoppingcart
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  • Profile picture of the author Austin357
    Payoneer ,Payza and Paymate are viable alternatives. Paypal's support has been getting better recently. Always good to have multiple options just in case you have issues with one Payment processor.
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  • Profile picture of the author blackli0n
    I use Paypal because they definitely protect me against chargebacks. If you're selling digital products, Paypal is very much on the seller's side.
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    • Profile picture of the author JimmyRose
      Originally Posted by blackli0n View Post

      I use Paypal because they definitely protect me against chargebacks. If you're selling digital products, Paypal is very much on the seller's side.
      Really? This doesn't seem to be the case with us at all. It's generally not worth fighting anyway and just granting the refund
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      • Profile picture of the author wellymulia
        Thanks guys for the feedback and sharing you gave!

        Originally Posted by JimmyRose View Post

        Really? This doesn't seem to be the case with us at all. It's generally not worth fighting anyway and just granting the refund
        Yup, it doesn't seem to be the case with us as well. With us, PayPal is leaning towards the buyer's side.
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    • Profile picture of the author AeroBuilders
      Originally Posted by blackli0n View Post

      I use Paypal because they definitely protect me against chargebacks. If you're selling digital products, Paypal is very much on the seller's side.
      That is actually hilarious - I know of over a dozen HORROR STORIES with paypal in the last 90 days alone. Heads up...if you sell anything to the Forex/Trading niche stay far away from paypal. I know of several acct shutdowns recently (and holding the funds for 180 DAYS!!!) totally out of the blue with no credible explanations.

      How would you like to run a successful email offer campaign and make $20k to $30k and then watch that money get FROZEN with no notice for an INSANE 180 DAY HOLD PERIOD!!! F**CK THAT!


      What do you all have to say about MERCHANTinc.com ?
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      • Profile picture of the author AeroBuilders
        BTW, in the trading and health & fitness niche I do not know of one single case (in the past three years) where the seller recovered a scam chargeback claim....NOT ONE WITH paypal!!!

        Buyers GRAB THE DIGITAL CONTENT and then pull a SCAM (product theft) dispute or chargeback within 24 hours of the purchase.


        Watchout for PAYPAL - http://www.paypalsucks.com/
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      • Profile picture of the author Sid Hale
        Puleeeeeeze!

        Perhaps you should have read (and understood) Paypal's Acceptable Use Policy before using their services as a payment processor...

        Originally Posted by AeroBuilders View Post

        That is actually hilarious - I know of over a dozen HORROR STORIES with paypal in the last 90 days alone. Heads up...if you sell anything to the Forex/Trading niche stay far away from paypal. I know of several acct shutdowns recently (and holding the funds for 180 DAYS!!!) totally out of the blue with no credible explanations.
        No credible explanation? Really?

        There's a link to Legal Agreements at the bottom of the page when you are logged into your Paypal account.

        From Paypal Acceptable Use Policy
        Prohibited Activities

        3. relate to transactions that (a) show the personal information of third parties in violation of applicable law, (b) support pyramid or ponzi schemes, matrix programs, other "get rich quick" schemes or certain multi-level marketing programs, (c) are associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, (d) are for the sale of certain items before the seller has control or possession of the item, (e) are by payment processors to collect payments on behalf of merchants, (f), are associated with the sale of traveler's checks or money orders, (h) involve currency exchanges or check cashing businesses, or (i) involve certain credit repair, debt settlement services, credit transactions or insurance activities.

        I've underlined your "credible explanation". The use of Paypal for currency exchanges (FOREX) or check cashing businesses is prohibited.

        Your "rep" with Paypal (as with any payment processor - including your own bank) will govern how they treat you. Ever had funds from a bank deposit held until after the item cleared the bank account of the check writer? Happens all the time.

        While it's easy to find people who will tell you that they "heard" about someone's account being frozen or funds being held - third hand reports are just that... third hand (or fourth or fifth). I'm not saying that it doesn't happen. It does.

        But...
        that third party has only heard one side of the story. The originator probably thinks (just like you) that there is no "credible explanation" - but it is more likely their own misunderstanding of the situation.
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  • Profile picture of the author jamesfreddyc
    We have been happy with ASecureCart.NET as it integrates CC, paypal, etc. We can even use it to punch in CC's over the phone for customers too. IPN works just fine but you will need a bit of experience to get it all working.
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  • Profile picture of the author Chosen2013
    Payza, Skrill, Paxum, 2CO, Stripe and many more
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  • Profile picture of the author pawanzz
    Amazon WebPay, Google Checkout are best for me. I don't like Paypal.
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  • Profile picture of the author partners
    Hi Welly,
    We use Linkpoint coupled with Goldbar for about six years with no problems.
    We stay away from Paypal.
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  • Profile picture of the author Matt59000
    I use paypal and 2checkout
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  • Profile picture of the author CyberAlien
    The only others that may be worth it are WePay, AlertPay, and MoneyBookers. I've never really had customers request anything besides those options.
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  • Profile picture of the author Porphyrogenitus
    If you have a real, registered business, check out PNC merchant services. They underwrite your account based on your credit, industry, and subjective factors, as well as verifying funds a lot faster.

    Banks can do it a lot cheaper because they don't have to artificially increase their prices to absorb the effects of public offers and merchant fraud.
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  • Profile picture of the author Nathan Kruz
    Escrow is what I use sometimes. It is ALOT more secure than Paypal.
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  • Profile picture of the author seobro
    Yesterday, I was on the phone with pay pal for hours; is it just me? I have tried amazon. They are even worse. Best bet is western union. Like there are no refunds ever. People want to buy your report and then ask for a refund to not pay you.
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  • Profile picture of the author moneywithtim
    Paypal, Egopay, Payza.. Paypal is working more than Great for me!
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  • Profile picture of the author iamgoutam
    Payza is not so secure, i am using skrill (moneybookers) since 2014 and they are really good. Their customer service is awesome and service charge is very low. They are also offering debit master card.
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  • Profile picture of the author Hammad I
    I know this is an old thread but since it is alive, I might as well answer the question. I use 2checkout, selz.com and wazala. These solve most of my problems.
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    • Profile picture of the author moreknowledge
      I have run into problems with paypal. I front for a third party call center in India who does online tech support for PC's & mac's . My Corporation is in Montreal Quebec Canada. They are an inbound call center but we had a bad month in July having 8.33% of BV resulting in chargebacks. So now paypal has placed a reserve of 13% plus their 3% fee per transaction. The reserve is on for 6 months pending further review. I have made numerous applications to conventional payment processors & have been turned down for the same reason which is the space of online tech support especially out of India is considered too high risk because of the reputation & because of the volume of chargebacks. Does anyone have any suggestions?
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  • Profile picture of the author cyberzolo
    Paypal has its issues but it is still the best payment processor out there, so you should go with paypal. If not, then Payza.
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  • Profile picture of the author AppKirk
    I have a merchant account with a bank in Hong Kong and they offer a payment gateway setup.

    it's easy and they are pretty alright with high risk transaction (15% refund rate a quater and they didn't complain)
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  • Profile picture of the author linathinfotech
    Payumoney is also the best option as it offer some % of cash back.
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  • Profile picture of the author spearce000
    Nochex, GoCardless and 2CO as well as PayPal.
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  • Profile picture of the author LuckyIMer
    Skrill, Payza are options to consider.
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  • Profile picture of the author gmarklin
    Google wallet is a good service, I has all the features of Paypal, and it is simple to use
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  • Profile picture of the author amuro
    Originally Posted by wellymulia View Post

    Hey Warriors

    What are you using for payment processing apart from PayPal?

    I ask this because we've just implemented Authorize.net and 2checkout to our platform, and want to know what other payment processors/platforms most IMers use.

    Thanks in advance for letting me know!

    Cheers,
    Welly


    I normally used Clickbank which takes care of most issues like refund and delivery etc.
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  • Profile picture of the author Kaan Evren
    Bitcoin is amazing.
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  • Profile picture of the author Steven Miranda
    I have been using Stripe.com for credit card transactions for years now...they are the best.
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  • Profile picture of the author EPoltrack77
    Yeah I think it's Gateway! Paypal's merchant fee's are ridiculous! Keep only 70 cents on every dollar you make versus 5 cents per transaction with my merchant processor. But hey, paypal is fast and easy and anyone can set one up!
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    • Profile picture of the author Ron Killian
      Originally Posted by EPoltrack77 View Post

      Yeah I think it's Gateway! Paypal's merchant fee's are ridiculous! Keep only 70 cents on every dollar you make versus 5 cents per transaction with my merchant processor. But hey, paypal is fast and easy and anyone can set one up!
      How are pay pal's fees ridiculous? They are very low in my opinion. Sure cheaper than a regular merchant account.

      I tried Google few years back when it was Checkout and never again. Two transactions their system said was paid/good, then almost a week later they said they were bad. WTF. Of course the buyer already had their stuff. Maybe they've changed now.

      Also, last I heard Wallet doesn't have phone support.
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  • Profile picture of the author jessiem
    Always go for the "most used" alternatives to Paypal. Go for Payza, Stripe, 2Checkout and Google Wallet.
    (just don't forget to check their reviews before investing money out from your pocket)
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  • Profile picture of the author rv5
    Use a direct pay account it is best
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  • Profile picture of the author mrrightme
    try Payza,It called "Aertpay" when I first used it in 2008
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  • Profile picture of the author Quentin
    We have just started using stripe which integrates well into our accounts and commerce platform.

    Regards

    Q
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  • Profile picture of the author gamestoenjoy
    I use only Paypal as it the most reliable.
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  • Profile picture of the author DAlgirdas
    I switched to Paysera from PayPal after some disagreements we had. Of course, some of my customers are still looking for paying through PayPal, but I now have proper user support service and reasonable prices.
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  • Profile picture of the author sisindia
    I do not support bitcoin system, paypal or western union are reliable sources for money transfer.
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