What do people around here suggest as the best merchant account to get? I need to bill my customers on a monthly basis, and I don't won't that much money taken away for each process.

Anyone?

A bit on the impatient side aren't we...

I use Merchant Express, an authorize.net reseller. Part of the TotalPay network. They are great.

-t

Hey welcome to the board... you'll see a button on your screen that says search. Use this, it will help you a lot. This has been discussed over and over and over and over and over and over again... :D

Thanks for the help.

Check out http://merchant-accounts-4less.com

We have been made very good friends with their crew and are now partnered with them to offer merchant accounts for our customers. Chad has helped us tremendously with our merchant account hassles

Planet Payment are great. They use Authorize.net as their gateway software and many consider Authrize.net to be the best around.

http://www.planetpayment.com/

This question depends on your monthly credit card volume. With a true merchant account, you will probably enjoy the lowest percentage fee or discount taken out of the charge, but most true merchant accounts come with monthly fees for statement charges, virtual terminal fees, etc. etc.

If you are just starting out, you should investigate the so-called third party credit card processors. Most of these don't have a monthly fee, but the percentage fee or discount rate is slightly higher. I haven't done the math myself, but someone here on WHT estimated that the breakeven point between using an average merchant account versus using the average third party processor was somewhere around $1,200 credit card billing per month. (Your mileage may vary ;) ).

Some third party credit card processors to look at include:

www.paypal.com
www.propay.com
www.2checkout.com
www.hostcharge.com
www.worldpay.com

In comparing companies, be sure to compare the following attributes:

- % Discount Fee
- Initial Set-up fee
- Monthly Fees (if any)
- Reputation on WHT (use the search button)
- Ease of use for customers (Buy-It-Now Buttons or Shopping Cart?)
- How fast can you get your money?
- Do they charge for withdrawing money from your account?
- Deposits Required (if any).
- Maximum Amount of Volume per month.
- Fee for Chargebacks.
- World Currencies Handled.
- How does the charge look on your customer's credit card statement? (This may sound funny, but if the charge is not recognizable, many people will just call up their credit card company and do a chargeback first and then let you fight to get your money. For example, I have some issues with the way HostCharge handles this).


Kind Regards,

Keith

Thanks very much Kieth, that is a mouthful. I will be take a look at all the sites everyone has suggested.

Ive been with www.hostcharge.com since the beginning and so far have been great no matter what anyone says

I suggest checking out http://www.echo-inc.com as well

Which payment gateway merchant-accounts-for-less and Hostcharge use?

May someone answer my question?

Hostcharge use "Purchase now" button and bring customer to their payment page like Paypal and 2checkout?

Any Authorize.net reseller provide account for international merchant that outside U.S. but establish business in U.S.?

You can, but you don't have to. With hostcharge you get a virtual terminal so you can input the CCs directly into their system and charge them whenever you want.

Originally posted by dk2002
May someone answer my question?

Hostcharge use "Purchase now" button and bring customer to their payment page like Paypal and 2checkout?

Any Authorize.net reseller provide account for international merchant that outside U.S. but establish business in U.S.?