I just finished chatting with them and they said:


Please wait for a ProPay operator to respond.
You are now chatting with 'Kaija'.
Sammy: Hi
Kaija: Hi Sammy, how may I help you today?
Kaija: Hi there.
Sammy: I know there is a $9.99 for this service
Sammy: But are there any other charges?
Sammy: Per transaction or something
Kaija: Here is a list of all our fees..
Kaija:
ProPay account setup - FREE!
Add Funds, from bank account - FREE!
Online reports - FREE!
Pay - to another ProPay account - FREE!
Get Paid - By E-mail, from another ProPay member's account - FREE!
Withdraw funds - $.35 per transaction
Pay - to a bank account - $.35 per transaction
Refund a credit card - $.35 per refund
Add Funds, from credit card - 3.5% of total, plus $.35 per transaction
Get Paid - Process a Credit Card - 3.5% of total, plus $.35 per transaction
Get Paid - By E-mail, with a credit card - 3.5% of total, plus $.35 per transaction
ACH Return - $10.00 per incident
Credit Card Chargeback - $15.00 per incident
Non-Sufficient Funds fee - $20.00 per incident

Note: If a business processes a transaction on your behalf, additional fees may apply.
Sammy: Lets say I run a web hosting biz
Kaija: Sure...
Sammy: You would charge 3.5% plus $.35 of what I charge the person
Kaija: Right....
Sammy: oh
Sammy: I'm not sure what the rates are out there but is this a good rate
Kaija: Yes, that it is.. :)
Sammy: thanks
Kaija: You're welcome.
Kaija: You have a great day!! :)
Sammy: You too thanks
Kaija: Why thanks
Kaija: Bye
Sammy: bye


I'm just starting in this hosting biz and need some help.
Is this good?


Thanks,

Sam

I haven't used them, but their service looks interesting. I wonder how they can get by with letting people directly enter someone's credit card details even though ProPay technically doesn't provide a "real" merchant account. I think it still could be considered factoring.

Originally posted by Timothy
I wonder how they can get by with letting people directly enter someone's credit card details even though ProPay technically doesn't provide a "real" merchant account.
What do you mean?

Hi all,

I've used them from time to time for about one year and have never had a problem. I just noticed that they have allowed merchants to start processing credit cards themselves instead of sending an email to the customer.

I have now used this function as well. I like them alot because they provide a service similar to Paypal but your customer didn't have to have an account with them. I understand PayPal has an option now where the customer doesn't need an account to pay you either.

So far I recommend ProPay. Good service and the rates are certainly ok. At least you don't have to get yourself into a more expensive merchant account right away (setup fees and monthly minimums, etc). You can save that for when you have more customers and can afford it.

David

I understand PayPal has an option now where the customer doesn't need an account to pay you either.
Since when?

I want to know too.

Well, I checked into it... I vaguely remember reading something about PayPal either having this feature or that they were going to add it. However after looking through my account, I couldn't find any reference to it. I'm sure I didn't think of this while I was daydreaming. But maybe it wasn't a feature yet. I don't know. So I guess my recommendation for ProPay stands.

David

I wanted to sign-up with propay a while ago, but they ask for SSN and I did not want to give it out.

There was also an option for paypal for people to pay with their bank accounts (checking account). That option is no longer there. I had not realized this but a couple of days ago I had a cusotmer who wanted to pay by his bank account and he left.

Does anyone know if they eliminated this option?

thanks

I have a CC and checking account listed on PayPal. I have ordered stuff and if it wasnt in my PayPal account they auto withdrew it from my checking. I last did this about a week ago so its still there.

Accounts are required to send/receive payments. Some may not like it, but it can help recipients of payments establish recurring billing. We are looking into the option of non-account creation.

As far as the SSN request by ProPay, I wouldn't be afraid to give it to them. They are actually owned by an FDIC insured bank. I forgot which one, but its listed on their web site. In that case they would need your SSN number as they are regulated by the government and have certain requirements placed on them, one of which probably is reporting suspicious activity (all banks do this), so that would be one reason they need your SSN. I've never had trouble with them. The service is highly recommended by me.

David

Originally posted by paypaldamon
Accounts are required to send/receive payments. Some may not like it, but it can help recipients of payments establish recurring billing. We are looking into the option of non-account creation.
I actually think paypals service is pretty neat and I will be promoting the signup not only for my benefit but also because it also has many other benefits.

The thing is a lot of people don't like signing up for membership if it's not utterly important. I will be trying to stress the fact that it's great to signup but I would also like to have an option in case they still do not want to sign up.