I was going to try and get credit cards accepted on my account. Someone recomended I use paypal, so I logged on, and it said if you get verified you can accept credit cards on your website. I was like "okay" I got verified, opened a shop, and to my supprise I can't accept credit cards :o,. When my customers were to pay, they just get the paypal option, any ideas. Why in the hell did I even do this "verified" thing, all I get is a rate, and gosh I can't accept credit cards.


Any ideas :eek:

Paypal, from what I hear, have been closing a lot of accounts lately for no given reason. I had a friend who had $80 in her pay pal account, and one day, they just decided to close it on her. Do you think they'll give her her money...noooope! So I stay away from there.

But I really need to accept credit cards, I think I'm going to take my $300 out of there right now :D


Any cheap credit card processing companies for non-profit organizarions, well $5 a month, just helping people out

Yes, get your money while you can. I would if I were you, at least. You never know what the paypal people are gonna do lol.

NOW, enough with get your money out, it's on my credit card now, is there any way to accept payments through paypal, or annother cheap one.

Hmm I only know of paypal. But I know a few people who may know of other awesome ones...so I will ask around for you.

What I can tell you is that you can accept credit cards with paypal, only if the person has a paypal account and has a credit card added to their paypal account.

Also if your main concern is to accept credit cards, I will not recommend paypal, as most users use paypal because works with their bank account to transfer funds and not using credit cards...

An affordable way to accept credit cards is to go with a third party credit card processor, which they only charge a $50 (one-time) fee to sign up, and a small per-transaction fee.

Paysystems.com and 2checkout.com have been so far the best in a cheap way to accept credit cards.

Non-Profit = Can't afford much

Paypal may be your best best if you can't get a third party processor. Are you a verified premier or business user at paypal?

I have used payal as well as a third party for about two years with no problem. Just don't keep large amounts of money in your account.

From what I have read about account closings the users have generally violated terms. One of the big ones is being 18 or older. I have seen a few accounts closed because paypal found out the user was under 18. According to the terms you agree when using paypal, they can close the accont and freeze/keep assets.

I got verified, so just go with paypal, people will beleive verified???

It is the easiet way right now. If you have a premier or business account that you can accept credit cards from any users that setup a credit card at paypal.

They even have buttons and tips for setting up donation links.

Originally posted by Brianne
Paypal, from what I hear, have been closing a lot of accounts lately for no given reason. I had a friend who had $80 in her pay pal account, and one day, they just decided to close it on her. Do you think they'll give her her money...noooope! So I stay away from there.

That sounds fishy. PayPal only terminates accounts who have complains against them. The common "account freezing", that poeple talk about is when paypal locks their account while they are being investigated. PayPal gets far too much harsh treatment

You may want to get a ssl certificate and have the CC information downloaded to you secure in shopping cart type method.

Then you can go to Paypal and use the information yourself.

This will avoid any problems with your customer needed to have a Paypal account.

Actually I have used paypal for year or so and they have been decent, the problem is they have no support. It's sad we have a industry where the largest companies can not care about there customers.

:mad:

Virtually every third party processor has problems..

But the best is probally 2checkout and paysystems

try 2checkout.com they are a 3rd party CC proccesing company.

Originally posted by Lippy
try 2checkout.com they are a 3rd party CC proccesing company.

Have they been able to fix up all their problems of losing client money?

PayPal has been excellent for me, never had any problems.

You have to add a verified bank account to get cc payments... I think.

As far as I know I'm "verified"

With a bank account?

Originally posted by DWHS
You may want to get a ssl certificate and have the CC information downloaded to you secure in shopping cart type method.

Then you can go to Paypal and use the information yourself.

This will avoid any problems with your customer needed to have a Paypal account.



I've never thought of using Paypal in this way. But, I still do not understand how you can use a customers credit card details to add funds to your Paypal account.

Could you please explain the steps required to do this.

I previously had a merchant account with Planet Payment but, they were nothing but a continued headache. Most of my cusotmers are local and there is not a large need for a merchant account so I am now pursuing alternative methods. I may go with 2Checkout but, they always seem to get mixed reviews.

Really, I want to avoid the monthly fees as there are just not enough credit card transactions to justify the costs.

Thanks for your help,

David Delisle

Originally posted by DWHS
You may want to get a ssl certificate and have the CC information downloaded to you secure in shopping cart type method.

Then you can go to Paypal and use the information yourself.

This will avoid any problems with your customer needed to have a Paypal account.



I've never thought of using Paypal in this way. But, I still do not understand how you can use a customers credit card details to add funds to your Paypal account.

Could you please explain the steps required to do this.

I previously had a merchant account with Planet Payment but, they were nothing but a continued headache. Most of my cusotmers are local and there is not a large need for a merchant account so I am now pursuing alternative methods. I may go with 2Checkout but, they always seem to get mixed reviews.

Really, I want to avoid the monthly fees as there are just not enough credit card transactions to justify the costs.

Thanks for your help,

Originally posted by Brianne
Paypal, from what I hear, have been closing a lot of accounts lately for no given reason. I had a friend who had $80 in her pay pal account, and one day, they just decided to close it on her. Do you think they'll give her her money...noooope! So I stay away from there.
I hear people ragging on Paypal so often. How old is your friend? Honestly speaking, is there any reason that Paypal would consider her in breach of TOS? I continually read threads where people say Paypal closes an account "for no reason". Then in the end, it is disclosed that the account owner was breaking the rules. Duh...

Do you really think Paypal just arbitrarily goes around closing accounts for no reason whatsoever? :confused:

I have my own merchant account. As well, I offer Paypal as an alternate mode of making payment. Never had a problem.

Anyways, mswordman, paysystems and 2checkout have had many many problems as of late. So I don't know how comfortable I would feel recommending them to you. But unfortunately, I am not familiar enough with who else is out there (I'm sure there are a few). Ideally, if you can afford it, set up your own merchant account and use Paypal as an alternate form of payment (some people actually prefer using Paypal).

As for Paypal just closing your account out of the blue, if you keep your nose clean and follow the rules, I wouldn't worry...

Good luck.

Vito

The "verified" indicates that the account owner has proved some sort of verification; for example, checking account information and verify the two small amounts that paypal deposit.

PayPal would 'freeze' the account when some sorts of investigation is being processed, they wouldn't close accounts for no reasons.

Here are some non-profit merchant accounts I got from google.

http://www.merchantseek.com/non_profit_merchant_account.htm
http://www.infomerchant.net/ecommerce/non_profit_merchant_account.html
http://www.eservicescorp.com/index.aspx

Hope that helps, it looks like ECHO has offered non-profit organization merchant account, which has the free setup (normally 99) with 15 processing fees every month. You don't pay the anything (except for the fixed 15) if you don't process anything.

I believe there are some others non-profit merchant account, make sure your have an IRS proof though.

Originally posted by Brianne
Paypal, from what I hear, have been closing a lot of accounts lately for no given reason. I had a friend who had $80 in her pay pal account, and one day, they just decided to close it on her. Do you think they'll give her her money...noooope! So I stay away from there.

Hehe, this sound stupid to me. If Paypal close the account like that, you can sue them man. Paypal only hold the money for investigation, which I think is fair enough as there is so many fraud out there. They protect both the buyer and seller by having you to verified which I think is good.

I am also having verified account for 1 and half year already. I never have any problem before. All you need is call them if you have problem and question, their technical support is very good also. The rates is better than 2checkout . If you get their merchant rates even better. Go with paypal if you cannot get merchant account.

Originally posted by DWHS
You may want to get a ssl certificate and have the CC information downloaded to you secure in shopping cart type method.

Then you can go to Paypal and use the information yourself.

This will avoid any problems with your customer needed to have a Paypal account.



I hope you are aware of the legal implications if you are doing that.
IF you are doing that you are commiting CC fraud and you will be soon in front of a judge. :rolleyes:
If I was your customer and you would pay throught Paypal with my CC I would see to get your business shutdown.

Originally posted by mswordman
As far as I know I'm "verified"
You have to be a Business or Premium PayPal member to accept credit cards. Is your account a business/premium account or just a regular personal account?

FWIW, a 'real' merchant account from a bank in my area has the special rate of <=%2 (its usually volume based entirely) for non-profits. Do consider that a $10 (or whatever) monthly minimum does *not* take that long to reach :(.

Originally posted by maxwello
You have to be a Business or Premium PayPal member to accept credit cards. Is your account a business/premium account or just a regular personal account?
What are the differences between a Verified Premier and a Verified Business member?

Business allows you to recieve payments for subscriptions, and store fronts, etc. I am not sure what a normal account allows again, its been a while since I have had a normal account with them.

As per Paypal's Help Section:

Business and Premier accounts have access to our premium services, including the ability to accept credit card payments, 7 day-a-week access to our customer service call center, and a comprehensive suite of selling tools such as the PayPal Shopping Cart and Subscriptions and Recurring Payments.


Vito

Use anyone but PayPal... They still have over $2500 of our money and refuse to release it. Over one year ago, they froze our account, for no reason, and we have been fighting with them since then to get our money back...

One of the WORST companies around!

The crazy thing is... I signed up to get interest on the account, and they accepted that, and they sent me a 1099-INT this year, but they won't give us our money back!!!

We thought PayPal was an excellent solution too, untill they froze our account and refused to give us over $2500 of our funds that were in the account...

Don't wait for them to screw you, get out while you can! We didn't have any problems until this either...

I'm not sure about others, but I've been using PayPal as a business solution for about 3 years. Never ever have had a single problem.

Makes you wonder...

Originally posted by vito
As per Paypal's Help Section:

Business and Premier accounts have access to our premium services, including the ability to accept credit card payments, 7 day-a-week access to our customer service call center, and a comprehensive suite of selling tools such as the PayPal Shopping Cart and Subscriptions and Recurring Payments.

Vito
Thanks Vito. Although I am still in the dark about what the specific differences between Premier and Business accounts are. :rolleyes:

As per Paypal:

To upgrade to a Premier or Business account, follow the steps below. If you would like to continue to do business under your own name, choose a Premier account. If you would like to do business under a company or group name, choose a Business account. Business accounts come with the ability to give multiple users some level of access to the account, but otherwise offer all the same features as Premier accounts. When you upgrade your account, you will retain the account history of your Personal account.

Vito

Paypal is always the best!

thanks paypal, it is always nice to get an unbiased opinon.....

lol

Crystal clear Vito. Thanks. :)

Heres what it sais


Name: Robert Iglanov

Email: masterswordman@attbi.com (Add email)

Status: Verified (0)


I think it's premier, because I clicked on "They pay me"

Paypal is a joke....

if you want proof of any of their wrong doings i will gladly supply you with 1000's of documented cases of Paypal ripping people off.

Nuff Said....

I havent had much luck with paypal. Lots of hidden fees and if you charge large sums you can get screwed easy.

http://www.paypalsucks.com

Lots of problems with paypal.

i think because paypal let you cheat by opening a personal account, so you can send a request to buyers to get paid w/o loosing a cent.

in my opinion, it's not fair to say they have to be responsible for closing your accounts. i think they've invested lots of money on infrastructure system and they even pay for us merchant account. thus no way, they could survive if they still let people deceive them.

so i think the best way is just to keep your account balance under $500. withdraw money as soon as possible is a safe way.

so far i've been happy with them, no any minor problems. maybe i do join some ebay activities, and i pay them sometimes, so they're still kind to me.

just my opinion.

I have had my PayPal account a couple of weeks short of 3 yrs now with zero problems. :) I started with a personal account originally, and now it's a full blown Business Premier Account. I have used the to make and receive Ebay payments, and most recently as an alternative payment for my hosting business (which the majority of my current customers seem to prefer to use PayPal). Another plus is the cash-back debit card which I use on a regular basis, and it helps offset some of the fees they charge you to receive payments. I still offer "regular" CC payments through Paysystems, but I plan to always offer PayPal as a second payment option! My experience has been great with them! :D

I've had paypal for over a year and had no problems. Once a girl made a deal with another person to make her a design and send me the money for a domain name, then the girl did not make the design and paypal told me the person had reported it, but nothing happened to my account and I cleared it up quite easily by sending the money back.

I've had no problems with paypal so far. Actually, they are VERY convenient.

Originally posted by Paypal
Paypal is always the best!

He does not represent PayPal, do not let him decieve you.

I have had a paypal account since day one, and have never had problems with them. When they made the business accounts available I jumped on board, the debit card and the money market interest actually put money back into my account so can't complain there either. I use my paypal debit card for big purchases, usually over $300, a recent one was for $352.45 and got back $5.29 for that purchase, do several of those a week and you get $60+ back a month :) As far as not trusting them wih your money, well that is up to you, I trust them and try to maintain a balance of over $500 for "just in case" at all times and haven't lost any or had my funds dissappear.


For my real CC processor I use Propay http://www.propay.com and have also been with them since 2000. Their accounts used to be free, but are now $35 per year plus the transaction charges, cheaper than most regular merchant accounts. Since I have been with them since they opened I'm grandfathered into the no account fee and the old account settings, so I can't say exactly what the new accounts come with. I have processed close to 5 grand a month with them for a while now and really like the no monthly merchant account fees, just in case I don't do any CC transactions it is nice to know there isn't a bill waiting at the end of each month for something I don't use.

Hope that helps some, YMMV

--t

Paypal is great. I have did alot of tranactions through them. You can pay bills, and even get issued a virtual debit card number now! Paypal rocks, and anybody that says they closed there account, were probably in violation of the rules.

I have every perk there is to PayPal...however I ALWAYS withdraw my money immediately either through ATM or bank transfer. I trust them, but not that much.

Originally posted by vito


As for Paypal just closing your account out of the blue, if you keep your nose clean and follow the rules, I wouldn't worry...

Vito


This isn't *entirely* true. I have had my account suspended before--and yes, there was a reason, but not my fault--well sort of (had a proxy on--then went to website--dont do that!)...

Anyway, pretty much my account was frozen, and they wouldn't unfreeze it, until basically I threatened them (not in a harmful way :D)...guess that's sort of good though, don't ever have to worry about someone getting into your account from another country.

An alternative to PayPal is the c2it service by Citibank. Probably more trust-worthy than PayPal. Check their website at www.c2it.com.

Another one like paypal that a client told us about last week was www.neteller.com. Haven't looked much into them yet, anyone else ever used them?