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Author Topic: Payment Gateways  (Read 14163 times)

ukgimp

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Payment Gateways
« on: January 23, 2011, 06:11:49 PM »
I have my own CC machine at home but I want to take automatic payments from ebooks sold online.

Who would you suggest. I was told a while back that Paypal gets a lot of chargeback from muppets who forgot what they purchased.

Google can freeze your accounts at a moments notice.

2checkout ?

So who else? Super easy ones to integrate

« Last Edit: January 23, 2011, 06:19:49 PM by ukgimp »
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ukgimp

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Re: Payment Gateways
« Reply #1 on: January 23, 2011, 06:55:50 PM »
http://www.swreg.org/

Any good, any advice?
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PaulH

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Re: Payment Gateways
« Reply #2 on: January 23, 2011, 07:06:06 PM »
Use 2checkout without probs and have done for years - need to make sure your site is up to scratch, T&c, returns policy etc. Need to get each site approved separately.


I used to get a lot of PayPal chargebacks several years ago, even got an account banned. But been using paypal on dozen other sites for past 18 months. Took 100's of transactions and not had any chargebacks. Just make sure in the email you send the users it tells them what they've ordered, and what they are going to see on statements. Seems everyone has a paypal account these days, and know a lot of people feel safer using paypal to buy from sites they dont know/trust. 

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Gurtie

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Re: Payment Gateways
« Reply #3 on: January 24, 2011, 09:01:05 AM »
you could also try Google checkout, which may have other benefits in terms of showing the icon in SERPs and (likely) if lots of people transact a possible boost along the same lines of good sites using analytics. If you don't mind handing all data to Google. Tough one.
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ergophobe

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Re: Payment Gateways
« Reply #4 on: January 24, 2011, 06:53:33 PM »
I'm using Paypal and just set up a site for a friend who's been using Paypal for years. No chargebacks, but we're not selling flatscreen TVs either.

One thing about Paypal is you get your Payment Gateway and your Merchant Account all in one.

Depending on your merchant account, that will often determine your choice of gateway (usually Authorize.net), unless the MA integrates with multiple gateways.

A site that I've found useful for looking into merchant accounts is

http://www.merchantmaverick.com

Funny, I mentioned the site in a blog post ans being helpful and got a note from him saying he had seen me talk at Pubcon and had introduced himself. Can't place him, but he seems like a real guy who is not a shill for one affiliate program.

As for payment gateways, beyond Authorize.net there's Intuit and Chase Paymentech. Also one to check out if you're doing decent volume is Braintree, which is integrated with fewer MAs, but has a nice looking system.

Also, for some basic background chatter

http://www.startupnation.com/NET_ROOT/Search/SearchResults.aspx?zoom_query=payment%20processing
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ergophobe

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Re: Payment Gateways
« Reply #5 on: January 24, 2011, 07:00:00 PM »
Quote from: ukgimp on January 23, 2011, 06:55:50 PM
http://www.swreg.org/

Any good, any advice?

2.9% plus $1 as a base rate is at the high end. If you're selling a few high-ticket items, you're doing okay, as the 2.9% isn't too bad. If you're selling a lot of low-priced items, you're getting killed with that dollar - effectively adding a 5% cost to a $20 item.

Also, be sure to check what the rates are for
 - rewards cards (i.e. cards that give cash back, mileage)
 - business cards (often a full percent higher than consumer cards)
 - "foreign" cards (which in your case may mean domestic cards)

If it's 2.9% across the board, that's pretty good for online processing ("card present rates can go a lot lower). If it's 2.9% and up I'd keep looking.

If you don't want the hassle of setting up a store on your server and all that, check out Business Catalyst, recently purchased by Adobe and som others like that (Big Commerce??) that I *believe* (subject to verification) mostly handle the implementation details for your.

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Drastic

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Re: Payment Gateways
« Reply #6 on: January 25, 2011, 08:25:58 PM »
For digital goods I've heard e-junkie is good, but not sure about international pmts, etc.

There is another that was recommended at the same time I was looking into it, primarily to avoid pp chargebacks. If you're still needing more, I can dig for a bit and probably find it.
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ergophobe

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Re: Payment Gateways
« Reply #7 on: January 26, 2011, 12:52:05 AM »
e-junkie isn't really a gateway, it's a cart system.

You can hook it up to whatever gateway you want - Authorize.net, Paypal Website Payments Standard, PP Website Payments Pro, etc - but you still need to find a gateway.

http://www.e-junkie.com/ej/features.htm#pp
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Drastic

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Re: Payment Gateways
« Reply #8 on: January 26, 2011, 01:43:29 AM »
Yep, looks like I got e-junkie mixed up with epassporte, which doesn't look to be a viable option anymore since VISA won't work with them.

I can't find the original info I went over a few months back, but seeing some recommends for moneybookers and digital river for digital goods, as they make it more difficult for chargebacks.
« Last Edit: January 26, 2011, 02:20:13 AM by Drastic »
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Leona

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Re: Payment Gateways
« Reply #9 on: January 27, 2011, 10:21:13 AM »
Not used them personally or know much about them yet but you may want to check out moneybookers, the checkout process is simple from a users point of view, like a standard merchant checkout and I have seen some reasonably large companies using them. On face value it looks like a very good alternative to paypal.

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ukgimp

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Re: Payment Gateways
« Reply #10 on: January 27, 2011, 10:48:42 AM »
Thanks for the hints people.
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Rupert

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Re: Payment Gateways
« Reply #11 on: January 27, 2011, 07:15:24 PM »
I personally have tried



Netbanks (they took me to court)
Worldpay (expensive and inflexible)
SecrureTrading (really good people.  good rate.  £125 p.a and then talk to then about the transactional charge)

Protex I have heard good things about but never tried.  Quite cheap, but a few years ago had a couple of uptime issues.
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ergophobe

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Re: Payment Gateways
« Reply #12 on: January 28, 2011, 12:29:17 AM »
What about getting rid of the whole problem and just using Clickbank, Scubbly, or ???
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Rooftop

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Re: Payment Gateways
« Reply #13 on: January 28, 2011, 08:08:15 PM »
Quote from: Rupert on January 27, 2011, 07:15:24 PM


Protex I have heard good things about but never tried.  Quite cheap, but a few years ago had a couple of uptime issues.

Protx are now sagepay, which personally puts me in a quandry. I hate Sage, as a company, with a vengeance. However Protx was good and so far at least sagepay is a well.  Rates are very good and it's is a professional set-up that doesn't make you look smalltime.

We now use sagepay or worldpay on pretty much everything, with paypal/google offered as additional options in some cases.  Worldpay are very good but they do certainly know how to charge.  However if your turnover is good the rates drop - as long as you pester them.
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Peter

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Re: Payment Gateways
« Reply #14 on: January 28, 2011, 08:25:17 PM »
I have sagepay on five sites - only once had a (very minor) problem - I'd recommend it.
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