Hi there,

I was wondering what your opinions were on all the creditcard processors and which one would be the best for me to use... I'm located in Netherlands and will need to be able to accept worldwide. Still orienting which one to go with.. best price/quality etc.

Any tips and advice would be welcome.
Thanks

Stepan

i have 2checkout and paypal, the 2 work international (i think!) and i like paypal better. Website is faster and the navigation and tool is more easy to use.

I think 2checkout only does U.S. business.
That being said paysystems does international .

2checkout.com accepts international businesses.

Paysystems has been great for us. :)

2Checkout is setup instantly.
you are ready to accept payments right away.

Paysystems takes a few days to weeks to get setup.
The require you to sign and fax them the agreements.

We have both.

PayPal is the worst, don't use it.

I would suggest WorldPay - very highly recommended. If you don't have the budget, go for PaySystems, and last 2CheckOut. Have paypal as a secondary payment method. :)

WorldPay is used by many of the big boys and has proven itself to be a stable and trustable provider. Indeed, it had an extended outage days ago (for close to a day, i believe) due to DDoS attacks, but i'm confident that they've learnt their mistakes and beefed up security.

I'm in Ireland and use 2checkout and ccBill (for adult sites.)

Works fine for me :)

WorldPay is awesome.

If you search these forums you'll find complaint after complaint about 2checkout, PaySystems and PayPal - but only one or two for WorldPay.

Don't let the setup fee be prohibitive - it's an investment knowing that a professional company is looking after this side of your business.

Kevin

H-U.net summed it up pretty nicely. :)

I think thats because most people on WHT use 2CO, Paysystems and Paypal.
Originally posted by H-U.net
WorldPay is awesome.

If you search these forums you'll find complaint after complaint about 2checkout, PaySystems and PayPal - but only one or two for WorldPay.

Don't let the setup fee be prohibitive - it's an investment knowing that a professional company is looking after this side of your business.

Kevin

2checkout or revecom

Toeki, if you notice, even the most unheard-of hosts get reviews here. Why? Disgruntled customers want to let out their steam. Likewise for CC service providers.

Let me also state that WorldPay has many offices worldwide, and are only a phonecall away. They pick up their calls almost instantly and are very helpful. I've had first hand experience when i called their local office a few weeks ago during their outage.

Two thumbs up. :)

We're switching to WP and keeping 2checkout as a dormant backup system because of the recent fiasco with 2co and their ISP's failure to handle their 3rd batch of DDoS attacks, but there are many other reasons to switch too including cheaper processing than 2co. The latest DDoS was just the final straw.

Looking at WP a year ago they seemed more expensive, but actually they're probably going to be cheaper than 2co and offer more features. Here are the current figures for the UK.

Signup 100 gbp. Annual charge 160 gbp. Special xmas offer of 50 gbp allows us to accept card details and orders over the telephone, not something that we'll probably ever need but worth it if it helps just one customer someday.

Transaction charge 4.5% + 6 pence (for basic fraud checking) for most cards. In contrast 2co is 5% plus 45 cents, or for newer customers I believe 5.5%. The lower 4.5% will cover the annual WP charge easily, and therefore on charges they're actually about the same.

From an implementation point of view, the two businesses could not be more different. Doing due dilligence we checked the online WP documentation and found it to be excellent, very thorough, and showing a solid understanding and grasp of the technical issues related to site integration and the diversity of requirements. Not only do 2co provide poor integration tools, they are frequently struggling to meet even their own internal requirements with common problems such as replication being broken, poor database performance, apache internal server errors on customer payment pages, and so on.

With 2co you can also only accept payments in USD. With WP you can accept 3 currencies for free, and additional currencies should you need them are only a small amount extra. So, being in Europe, USD, EUR and GBP make the most sense. Payment from WP to business accounts can be in any currency, and you can nominate which bank account a transaction will be destined for on a per transaction basis. As we maintain both USD and GBP accounts we can exploit this to reduce our exchange rate exposure and potentially even profit from chosing to receive payments GBP or USD dependent on market conditions.

Integration features for WP payment pages are far more flexible than mere customisation of headers and footers with 2co. They also appear to support a multilingual interface and this is may be a further benefit.

Unless you signup during one of their bad periods, 2co are a useful starting point. Minimal startup costs of 2co may be attactive if you don't have the confidence that your business will make any money or last more than a couple of months, and getting up and running is quick and pretty straightforward, but it's a basic no frills system that hasn't improved in the 18 months we've been using it. WP will probably not be without their problems, and indeed we already have an issue over the pre-auth implementation as we'd like them to implement the option of an automatic transaction comit feature at the end of the 5 day preauth period, but other than moving to a true merchant account WP seems clearly to be one of the platforms that everyone should aspire to be using. The upside to any serious and professional business of using WP over 2co and some of the others seems clear and substantial.

Your main point is "international" (else you would have much choice). Since I have experienced myself the difficulties to open an international account, here is my experience:

2CO: Fast setup & cheap, you don't need merchant account, just signup and go. Good rates considering that you don't need a merchant account. Fast and reliable pay-outs, free wire transfers for gross sales over $1200, add 3$ for every 100$ less than that (for example, $800-900=12$ fee). This was the good news. The bad news is heavy technical problems which might cause you lose customers at some point.

PayPal: DON'T EVEN THINK OF THIS (I have warned you). Wide acceptable and lower fees, but: If your payouts are in another currency, PayPal will exchange your US$ internally. Loss for you compared to getting your dollars and exchanging them locally: about 3-4%. Your account can be restricted at ANY time without ANY given reason (especially if you are international customer). Restricted means: You can not pay, nor can you withdraw money BUT people can still send you money (which you can not refund). You will face the oxymoron that your account is not good (or legal) enough to send money but is clean enough to receive payments. People making regularly business with you don't have a clue that your account is restricted but they know your PayPal email address, so they continue to send you money. You have no access to this money but your customers will think they have paid you. You get the point. DON'T EVEN THINK THAT YOU CAN RESOLVE THIS! After one month with my account being restricted, I have yet to receive a reason for this (other than the initial notice). Their "Get Help per Email" support department just sends canned answers (which advise me to do exactly what I have already done and don't answer exactly what I ask). And now consider following: I don't sell porn, I don't have fake auctions, I have verified myself 2x at PayPal, I have a serious business and I haven't had even one chargeback or any other issue at PayPal. Do you feel better? Don't tell me I haven't warned you :D

This was my experience. Now comes my opinion:
PaySystems: Like 2CO but heavily accused of spamming and of having a difficult and time-consuming initial registration. Also consider that they keep 5% rolling reserves for 6 months (while 2CO keeps them for 3 months).

WorldPay: I still am trying to find accurate information on their website. Either I am blind :D or it is not well organized. For example, when I click on this: "Full pricing for WorldPay's services, including our range of anti-fraud solutions, can be found on the _Pricing page_ of our website." and click on "Pricing Page" I am transferred to their contact form. I must say that I have been many times at their website but haven't yet all needed information together, so this might be an indicator.

kosmo

Yes WorldPay web site is not well organized. And its not a Real IMA. Its kinda of 3rd party account.

Originally posted by hb9.net
Yes WorldPay web site is not well organized. And its not a Real IMA. Its kinda of 3rd party account.

I agree 100%. I have been to the WorldPay website many times. More I try to understand, more I get confused.

It has condition after condition and restriction after restriction imposed on the merchant. Their fees are very high and every little (for example one more currency ) feature or addition will cost you more.

Btw, Did I mention you need the high startup fees!

I have still not figured out if they are real merchant account or just a 3rd party processor like 2CO/PaySystems who charges even more!

May be more people can share their opinion re:worldpay.

Regards.

We do not offer a 100% World Access solution.
WorldPay is an ecommerce gateway servicing customers wishing to sell
products/services through their website.
All shoppers must enter your website and select items to purchase before being
sent to WorldPay's payment page.

Please contact our Technical Support department at Support@usa.worldpay.com for
more information on your integration options.

Regards,

From what I "understand" 2checkout does accept international business *but* only using the USdollar currency?
Could PaySystems then be a good (Euro-zone) cc processor solution?

I am considering using PaySystems, as it seems that they actually do support different currencies, including the Euro.
Is there someone in this great forum, from a Euro-zone country, that is using PaySystems? If so (I hope :eek: ) what is your experience? Especially concerning the transfer of your PaySystems funds to your local bank account: I wonder what are the typical expensies involved... For checks (in Euros) and for Wired transfered (also in Euros)? I also wonder if PaySystems can arrange IBAN (european routing number) transfers? because within the Euro-zone, the "internationnal" banking expensies are now waived for Euro-- if the bank order clearly mentions the IBAN data. Anyone knows?
Thanking you in advance :)

I have been using WorldPay since July, and have found them to be excellent on the whole, and very professional.

Yes, they are a little expensive - and also have a setup fee, and yearly fee - but you do get what you pay for - and their system integration is excellent, with good support and documentation.

I coded a complete eshop & shopping cart myself and integrated it seamlessly into their systems in a matter of weeks. Whenever I needed to ask for technical support they were very quick to reply (both over phone and email) with all the necessary details which were always accurate and helpful.

They did have an unfortunately DDOS attack a few months ago which affected their servers for a few days until they protected themselves from it - but no systems were comprised and to be honest; that could have happened to anyone, and they have apparently now installed much better protection against such floods in future.

I would definitely recommend them, they offer great peace of mind for that little extra cost you pay upfront with them.

Originally posted by Toeki
2Checkout is setup instantly.
you are ready to accept payments right away.

Paysystems takes a few days to weeks to get setup.
The require you to sign and fax them the agreements.

We have both.
Yes it's very bad, it's why we don't use them.

Originally posted by labahost
Yes it's very bad, it's why we don't use them.
Is that sarcasm or not?

Originally posted by demonmoo
Is that sarcasm or not?
What do you think is more easy, to fill a form with your credit card data and you're ready, or to print a paper (you should find a unecological printer somewhere) then fax those pages somewhere, for this you should find a fax from stoneage...

try plimus.com
no setup fee
very detailed creativity
fast support
international bank wire available