Other then Paypal.com
Is there nay merchants who don't have a setup fee or monthly fee?
Just have % they want...

Have you tried www.2checkout.com and www.paysystems.com

Don't think there is any other then paypal. 2CO is good though. $49 setup and that's it. They take perc. which means no monthly fee which was good when we used to have slow months when we started out!

You won't find one that doesn't have a no setup fee and no monthly fee ... but you'll find some that have either or.

2CO sounds cool... i guess $49 aint hard ont he pocket. Is it PHPCOIN compatible?
I woudl ask phpcoin questions but I rather make a new topic for that one :)

Originally posted by xechno
2CO sounds cool... i guess $49 aint hard ont he pocket. Is it PHPCOIN compatible?
I woudl ask phpcoin questions but I rather make a new topic for that one :)
Yes it is :)

I've heard better reviews for PaySystems. You might want to check them out before 2CO

Actually after this whole crap I'm hearing with 2CO I was actually going to try Paysystems and Paypal first :)

Thanks Everyone!

I'm look for few more sites.... I'll let you ppl know about them if I find any other..but i dont think i'll be using any other as I have allready recieved my Debit card..... :)

Yea but whenever you withdraw funds out of the U.S. using that debit card don't you get a transaction fee removed form your accounts also?

Is this debit card a U.S. Bank or a overseas bank?

ATM Withdrawal fee is a following
within US: $0.95
Ouside US: $3.00

I paid western union $15 for every 100 bucks i transfered... and i i think this is nothing as compaired to it......also you dont hve to wait for Western Union office to open...

and worst of all.... I always had to wait for a friend of mine to send the money which i had in my Paypal through western union to me... that that was reallly :(, but thanks to em, now i dont hve to wait for anyone :)
I don't know if it is good for other or not... but i liked it.....and everyone hve thr own views.. :)

Try Stormpay

www.moneybookers.com

zMoneybookers sounds interesting... they are pretty much like paypal.
But they take fees for you to withdraw funds.. only othe rbad thing is its all in POUNDS. Hell I don't even have a convertor on hand.

2co sucks i'd suggest going with paysystems.com lots of people have been with them

Probilling is free,there are no monthly fee's no setup charges.


"The following chart illustrates our credit card fee structure. proBilling processes 900pay at 19.5% and eCheck transactions as low as 9.5% (all rates negotiable based on volume).

Tier Volume Processing Rate
Tier 1 $0-4,999 13.5%
Tier 2 $5,000-12,499 12%
Tier 3 $12,500+ 9.5%


- The rate is negotiable for Merchants processing high volumes
- All transactions under $5.00 will incur a $0.45 service fee
- Volumes are calculated based on the average gross sales from each pay period (one week) ending during the previous month.
"

Its about the same compared to IBill,CCBill.But hey its free.

For paypal style payments, we use Hyperwallet.com. It works very well and payment is fast.

Nothings free. U pay 4 what u use but personally paypal seems to suit u best.

PayQuake.com

If you use their "Pay for Play" plan, there are no monthly fees and no setup fees. There is only a $49/yr membership fee and that is not due before the account is created. They will bill you for that after a week or 2.

They are a full Authorize.net gateway as well which makes them better than a 3rd party processor.

Maybe that will work for you :)

Check out:
GoEMerchant: http://www.goemerchant.com

They're better than a 3rd Party processor (as you control everything).

Downfall - if you decide against them... they'll hound you with calls :/

Specs:

No Programming Necessary
Unlimited Product Space
Merchant Account Included
Real Time Secure Credit Card Processing
E-mail Confirmation of Orders
Free Business Checking Account
Free Web Hosting
No Leases, No Contracts
2.39% per Transaction
$0.30 Transaction Fee
$15.00 Statement Fee
$0.25 Batching Fee
$29.95 Annual Fee
$265 for Each Client You Refer
Toll Free Support for "Zero Programming Products"
Virtual Terminal Included
Processes All Methods of Credit Card

I'm using them for a project of mine - I was going to go with charge.com - but since they're using Card Services International... I decided against them.

Free Business Checking Account? What they even check your credit or just give it to you? For any of these merchants... would a shared SSL work or would i have to get my own SSL Certificate?

Originally posted by xechno
Free Business Checking Account? What they even check your credit or just give it to you? For any of these merchants... would a shared SSL work or would i have to get my own SSL Certificate?
Any real merchant is going to check your credit. Basically they are giving you a line of credit when they allow you to process with them.

PayQuake won't really care what you use to secure your data, in the end it's your responsiblity if security is breached, but, they will reccomend you secure it, period.

I use PayQuake for a while now, 3-4 months I think. They are slow to payout ,is my opinion. I ran charges that settled on the 1st of this month and it's now the 7th with no money. But, I'm very happy with their service otherwise. No online interface to manage ANYTHING, if you call and are on Pay for Play it's 4.95$. Haven't had to call though. THhey answer emails quickly.

Do any of these companies ie paysystems provide merchant accounts to Canadian Companies? We are hapy with psigate at this time, however, if something cheaper and more cost effective came along we would probably look into it.

Originally posted by rockergrrl
Check out:
GoEMerchant: http://www.goemerchant.com

They're better than a 3rd Party processor (as you control everything).

Downfall - if you decide against them... they'll hound you with calls :/

Specs:

-----SNIP
Free Business Checking Account
SNIP-----



Free for the 1st 90 days, after that standard monthly fees apply.

Does Paysystems integrate with phpCoin and/or ClientExec?

Any other free or low cost billing system you know of?

Thanks

You can basically make phpCoin work with almost any processing system because of how it does the payment links. I don't know about Clientexec, but I would imagine so.

So phpCoin just offers link, but does not fill out any forms....hmm....is it possible to send that with it through a secure method?

I think phpCoin can send information, I never made it do that though. Post in their forums and ask, MiddleGround or something I think it's the developer's nick on there (he posts here too) and is GREAT about personally responding to questions.

As with any forums however you'll probably want to do some searching there, etc and see if the question has been previously answered. Search over there for "populate" or "pre populate" and you'll probably dig something up.

Hey guys, no prepopulate yet.

"yet".....I like that word.....hehe

Has anyone heard anything or tried netbilling.com? It seems to be the cheapest (1.5% or .45).

Are you the owner? ;) :)

Anyway, they have $25 per moth gateway fee... a real merchant account. Didn't dig deeper just yet.

Actually, their stated price is a bit misleading.

It appears that the 1.5% + .15 cost is just for the -gateway- fees... this cost is above and beyond the merchant account fees, NOT in lieu of them.

In other words, you're not paying 1.5% + .15 but rather 1.5% + .15 plus your bankcard discount % plus your bankcard per trans.

So, in reality - this is actually one of the most -expensive- options.

Think about it. On a $50 sale, Netbilling would be charging:
1.5% of $50 = $.75
= $.15
Total Cost = $.90 per trans + your merchant account fees!

That's about 9X higher than the going average for gateway per trans fees.

I might have accepted their pricing at face value except that it was -below- the actual VISA/MC interchange costs for mail-order and Internet processing which made me think something was amiss. :)

Originally posted by d2dexter
2co sucks i'd suggest going with paysystems.com lots of people have been with them

ditto. 2checkout has horrendous uptimes lately! also check out their weird payment plicies and also the fact that they charge YOU

also, One-time set up fee of $49. and a 5.5% commission plus a $0.45 charge on each total sale. thats outrageous!

and then there is this...
Payment for orders shipped between the 1st and the 15th of the month will be dispersed on or about the 16th of that month.
Payment for orders shipped between the 16th and the end of the month will be dispersed on or about the 1st of the following month.

that does NOT work for me and is another reason we still use paypal. paypal lets us turn our funds around IMMEDIATELY (good for paying vendors!)

and this *yikes*
Accepting checks
How much does check acceptance cost?
If the check clears the bank you pay 5.5% and $0.45 per transaction.
If the check does not clear the bank you do not pay the 5.5% or the $0.45 transaction charge but you do pay the following fees.
Non-sufficient Funds — $5
Bad check (bad account number, account does not match buyers info, etc.) — $5

TEHY WANT TO CHARGE ME IF SOMEONE INPUTS THE WRONG INFO?? ACKKKK!

want to see something really scary??? click here http://2checkout.com/ its been like that for WEEKS!

like i said, maybe some people think paypal is *cheap* but paypal has a very robust system and allows real business a lot of room to grow!

want to see something really scary??? click here http://2checkout.com/ its been like that for WEEKS!

What's so scary about it? Try www.2checkout.com (http://www.2checkout.com) instead. Yea, it bugs me too, that I have to actually enter www when reaching some sites, but it's their decision... Awkward perhpas, but certainly not scary.

BTW, there are some really **scary** stories on wht about paypal...

There are a fair amount of Paysystems horror stories here too. Things like ignoring customers if it isnt convenient.

Yea, it bugs me too, that I have to actually enter www when reaching some sites, but it's their decision...

Seems like someone at 2CO needs to add in a quick A Record
in their DNS and make a quick Apache config change.

"Think about all the time you'll be saving people from entering in www each time!" :)

I see that not many complaints abt PayQuake and Paysystem.
But PayQuake is good for US merchant only as they charged higher for NON-US accounts.

And for PaySystems (mypaysystems), the account demo is never working.

Anyone got any comments on money bookers? I have been reading thread on wht about paypal and am now a bit nervous. Didn't one of the template companies recently send out an email saying they wouldnt use paypal because of bad service. The guy I biy my reseller account from uses mypaysystems. Are these any good as he offers a deal I believe. I thought this reseller thing would complement my webdesign business but boy is it costing me some time in research. Thanks to you guys for sharing all your advice and experience though, dont know what I would do without this site!!!

Helen
HLS Web Design

I used Paypal so far and the service is alright, on the e-mail can be very slow, just call them, they are very responsive (well, in my case). They talk fast and do not waste time, straight to the point. Lots of security checks before they talk to you. And if you're like me and hate menus, just press 0 :p

I'm considering to get 2CO too, why over PaySystems, from what I read...endless debates...

mind if i ask why you are looking for someone *other* than PayPal?

always open to any feedback you have...

thanks,

Originally posted by PayPalGeek
mind if i ask why you are looking for someone *other* than PayPal?

always open to any feedback you have...

thanks,

Doesn't paypal require the customer have an account?

Originally posted by acts837
Doesn't paypal require the customer have an account?

as a matter of fact we don't -- as of about a week ago.

we recently changed how we handle checkout for website payment transactions via a new "PayPal Account Optional" feature rolled out last week. now buyers can complete a payment, and then optionally choose whether they want to save their info with PayPal and open an account -- or not.

the new option is available for customers of US-based merchants using the Buy Now, Donation, or Shopping Cart payment methods. we're also planning to roll it out to non-US merchants in the near future, hopefully in a few months.