Hello,

What is the best place to accept credit cards with no monthly or set up fees?



Thank you,

Ben

Hello,

What is the best place to accept credit cards with no monthly or set up fees?



Thank you,

Ben

Check out www.hostcharge.com
Starting at $9 setup, not free, but just $9 :)

Originally posted by Ben_7777
Hello,

What is the best place to accept credit cards with no monthly or set up fees?

Thank you,

Ben

With no Monthly & no Setup fees ? PAYPAL is about the only one I know of. 2Checkout has no monthly, but charges $49 onetime setup.

my 2 cents

I dont mind if they take a %

What do you think of authorize.net?

You're not going to find a place for no monthly and no setup, it just won't happen.

I've used 2checkout and HostCharge and I've been very pleased with both.

They're at

http://www.2checkout.com
http://www.hostcharge.com

Good luck!

Originally posted by Ben_7777
Hello,

What is the best place to accept credit cards with no monthly or set up fees?

Thank you,

Ben

You'll be hard pressed to find a _good_ credit card processor that won't charge some kind of fee. We started out with iBill.com. They don't charge any fees to start or any monthy fees, but they take a substantial 15% of your sales in their commission. Also, you have to wait for their "approval" to add new products to your account. Sometimes this can take days.

They were never late with checks and were always up, but we just couldn't see giving them so much of our sales. So we moved on to 2Checkout.com. They only charge a $49 setup fee, which is pretty decent. They then take something like 5.5% + 30 cents of each transaction. A little expensive, but reasonable. Plus I like their direct deposit of funds. Very nice, and makes my life easier accounting-wise.

$49 is not a lot to spend to get a good credit card processor. I'd recommend forking over the cash and going with them.

Take care,

Brian

Originally posted by Ben_7777
I dont mind if they take a %

What do you think of authorize.net?

Authorize.net is a true Merchant Account. (Not 3rd. Party like 2co, or paypal). There are a number of companies that will sell you a true Merchant without a setup fee. But the monthly minimum fee is usually $25 - $45 (Monthly Minimum, Statement Fees, Gateway Fees, This Fees, That Fees, etc..etc..)

If your doing over $1000- $1500 per month in Charges, then yes.....It makes since to get your own merchant acct. At the rates/fees I just got on a true merchant account, my breakeven is something like $1095 in monthly charges to make Authorize.net cheaper then 2Checkout.com (http://www.2checkout.com) . If you're charging less than $1000 - $1500 per month, it's cheaper for you to actually go with 2Checkout in the long run.

Could anyone give me some feedbacks on 2CheckOut? Is it a reliable provider? Is there any extreme problems with them that we need to know? Thanks.

Originally posted by magicwand
Could anyone give me some feedbacks on 2CheckOut? Is it a reliable provider? Is there any extreme problems with them that we need to know? Thanks.

Search the FORUM here for the keyword 2Checkout

There are a number of posts regarding them. The folks at 2Checkout are slow to respond to support requests on their site and they are as flexible as a slab on cement when it comes to the services they offer. I have seen it take 3-4 days to get a reply back from their support via email.

But I still recommend them. :agree: :agree:

They visit this forum often and will usually respond to comments or questions here. (Sometimes quicker then if directly submitted to them). As long as the services they offer are what you need, then go with 2Checkout (http://www.2Checkout.com) But if you're thinking about having them make a change to the way they do things to fit your business model or needs....Think Again.

take a look at merchantseek.com its a great site to find different offers and companies out there.
You might want to look at http://www.webpaymentsolutions.net/
they offer authorizenet for a onetime fee of $99 and 20$month for the gateway fee and statement I dont have experience with them so i can personally comment on them.

Originally posted by Ben_7777
What is the best place to accept credit cards with no monthly or set up fees?

can't think of one. In fact I'd be very worried if my payment processor didn't want a slice of the action. I'd rather give them some of our profits to make sure they're there when we need then than to go for some free solution that's bound to turn to smoke at a moments notice.

Rest assured, stable billing is one fo the most things you should consider as a service provider.

Greg Moore

They seem good.

Anyone ever dealth with them?



Ben

We've used Revecom (paysystems) for a long time. No real complaints to speak of. Money arrives on top, not much fraud gets through, and the have a good control panel.

Fees are $49 setup, 3.5% plus $1 per transaction. There's a holdback fee that you get 6 months later (small percentage of monthly sales)

They've had their ups and downs far more ups than downs :)

Disadvantage is it's not a real merchant processor. Think of them being the same as 2checkout, with no direct access to creditcard numbers. Very good in that you're not responsible for securing people's data, but makes it a little difficult to change fees (though they're happy to do it for you). Refunding can be a hassle if their system screws an order, but calling them usually gets the job done (thanks Monika).

All in all an excellent choice to start off, but you'll eventually want to look at a merchant account once you get enough accounts under your wings to offset the high entry cost.

I suppose a shining recommendation for them is the fact we've had a full merchant account for around a year but have never yet been bothered to set it up. Revecom does make billing pretty easy. To date our merchant account has cost over $500 in monthly fees without a single customer account being run through it. We will be moving over to it soon, but for now there's no rush.

Greg Moore

thank you :)


I appreciate it

2checkout.com

-Does it bill on a recurring basis? (monthly and automatically?)

-Can you accept online checks?

If it is for hosting, definitly HostCharge

Originally posted by Ben_7777
2checkout.com

-Does it bill on a recurring basis? (monthly and automatically?)

-Can you accept online checks?

Yes to recurring.
The online check processing should be implemented by the end of the next pay period. (we are just finishing the testing now)

I have a quick question on this subject.

If you go with a company like 2 checkout or hostcharge, will it show up on the customers bill as those companies, or your company?

Thanks

Originally posted by GlideTech
I have a quick question on this subject.

If you go with a company like 2 checkout or hostcharge, will it show up on the customers bill as those companies, or your company?

Thanks


Hello,

Since 2checkout & HostCharge are third party processors, the name appears under their designated billing descriptor. For example, in the case of 2checkout, it is

'2checkout.com', in our case (HostCharge), it is 'ccpay.cc'.

Regards,
Asher.

Thanks for posting the information about PayPal. You are correct in stating that there are no set-up costs to open a PayPal account, nor are there monthly fees for the service (users are charged for all incoming transactions with a Business/Premier account ).

As an additional reminder, users can also accept echecks through the service, which gives your users the opportunity to pay with the following methods:

a) PayPal balance
b) echeck (typically take 2-5 business days to clear)
c) credit card

Originally posted by GlideTech
I have a quick question on this subject.

If you go with a company like 2 checkout or hostcharge, will it show up on the customers bill as those companies, or your company?

Thanks

Currently, it would be the name of the 3rd party processor.

We expect to roll-out a new plan by late June that will allow for our customer's name to appear on the bill for an additional monthly charge.

Sorry, I have no other "details" that I am willing to provide at this time.

I use both Revecom (primary) and 2Checkout(backup).

Revecom-
Pros: Excellent control panel. Customer can update their CC info at anytime in real-time. Uses hyperlinks to direct customer to their secure server. Pretty decent support turnaround times. Good at screening fraud.

Cons: Occassionally valid orders get rejected. This has happened several times on current customer's reoccurring billing. Money is in the customer's account and the card hasn't expired, yet it still fails for some reason.

2Checkout-
Pros: Good at screening fraud.

Cons: Their control panel. You can't edit your plans - you have to delete them and recreate them from scratch. Also, if a customer needs to update their CC information there's no online / automated way to do so - you have to either cancel their order and make them sign back up or they have to contact 2Checkout via email.

HTH

Hi!
World pay is a real cool place.
They have a $120 annual fee. But there is no monthly fee.. Just 4.5% per transaction. Reduces as you do volumes.
Very nice people and great service. It has recurring billing and a wonderful management system..

Have a great day :)

regards
amar

Originally posted by DefHosting
2Checkout-

Cons: Their control panel. You can't edit your plans - you have to delete them and recreate them from scratch. Also, if a customer needs to update their CC information there's no online / automated way to do so - you have to either cancel their order and make them sign back up or they have to contact 2Checkout via email.

Puts them out for me. :(

Asher,

'2checkout.com', in our case (HostCharge), it is 'ccpay.cc'.

Does this mean your fulfillment house is in Cocos?

Originally posted by NyteOwl
Asher,

'2checkout.com', in our case (HostCharge), it is 'ccpay.cc'.

Does this mean your fulfillment house is in Cocos?

No not at all, ccpay.cc just looks cool :)

- Asher.

What are the Pros and Cons for Hostcharge?

Originally posted by chrisb
What are the Pros and Cons for Hostcharge?

Howdy Chris:

Well, now that the new and improved MCC is operational, I can safely say that hostcharge.com ranks up there with the best of them.

The services they offer for the price are exceptional. The low setup fee and discount rates are some of the best I've seen so far.

HostCharge.Com has increased their sales and support greatly. They offer e-mail and phone support which both are promptly answered by friendly technicians.

If you have any questions, please feel free to e-mail me.

EDIT: I had some misinformation to correct.

What does HostCharge charge exactly (setup/monthly/percentage/surcharge)?

You can find our info here:

http://www.hostcharge.com/solutions.php

Not many free processors out their, although i stumbled across http://www.verotel.com

Its free to signup, but they very high transaction fees

NO setup fee
NO monthly minimums
24/7 technical support
FREE Subscription Management
FREE Advertising Program
Verotel will handle all customer billing issues
Real Recurring Billing
Smart Recurring Billing
Access to the Verotel Control Center, review all transactions in real-time online
START UP - FREE
MONTHLY - Minimum monthly charge - NONE

TRANSACTION FEES

VEROTEL CHECK Ticket from USD $ 3.75 to USD $ 75.00
Initial or one-time transactions - 13.5%
Recurring transactions - 15.0%

What do you expect, if your not going to pay.

Any experience with Propay? (http://www.propay.com)

I´m using clickbank to accept creditcards right now.

This is copied from their homepage:
"ClickBank accepts customer orders via online checks, Visa, Mastercard, American Express, Discover, Eurocard, Bravo, Visa Debit, Mastercard Debit, and Novus. From each sale amount we deduct $1 + 7.5% and pay you the rest as a commission. ClickBank has a one-time $49.95 activation fee, and no monthly fees."

It has worked great this far but I don´t like the 7.5% transfer fee. You also have to mail them if you want to set a price higher than $50.

You get your own affiliate program and they take care of paying out checks to the affiliates.

Is there anyone that can recommend a service that doesn´t charge the 7.5%? It doesn´t mather if you don´t get an affiliate program, but the creditcards must be verified instantly.

(I will soon change my service into hosting)


Thanks,
John

We have seriously considered Hostcharge.
The $12.00 charge back fee seems a bit steep...
wire transfers are $5.00
Checks are $1.00

We currently use 2checkout, we aren't impressed with the inability for our customers to change their Info.
and the rigid control panel disallowing edits.

But over all they are pretty good.

Originally posted by DefiantPc
We have seriously considered Hostcharge.
The $12.00 charge back fee seems a bit steep...
wire transfers are $5.00
Checks are $1.00

We currently use 2checkout, we aren't impressed with the inability for our customers to change their Info.
and the rigid control panel disallowing edits.

But over all they are pretty good.


Our chargeback fee is steep? :eek: It's one of the lowest you will find anywhere.

- Asher.

Just looked for 2checkouts chargeback info...

Here's what I found...

When an issuing bank sends a chargeback dispute, the bank also charges a research fee. This fee can range from $10 to $30 depending on the bank. 2CheckOut reserves the right to pass the bank's charge back fee on to client involved, at our discretion.

Not sure exactly how much that would be as we have not had any chargebacks, (we have had a couple that wouldn't process though).

So apologies Asher your fees are comparable and may in fact be more reasonable in some cases than 2checkout.

We have both hosting related and product related sales on several websites, would like to use a single company for all.
Are hosting related services the only goods that can be sold through Hostcharge?

Mj.

I was all set to go with Revecom, since people say their control panel is easier than 2checkout. Then, I read that Revecom has problems with valid orders and doesn't fight for their customers chargebacks. Someone else also told me that Revecom nickle and dimes you to death.

Looks like I'll be looking at HostCharge now. Also, Asher did not mention that HostCharge offers chargeback insurance so that already low $12 feee can be lowered to only $5. This is great, and I haven't seen chargeback insurance at Revecom or 2Checkout or anywhere else.

Another supplier i've recently found is swreg.org

Although they are primarly a Shareware Registration Co, they do accept Web Hosts as well. They are Free to join.

Their transactions are competative, $1 + 4% or 75p and 4%UK.

They have a built in shopping cart using their SSL, or if you have your own SSL ( or shared SSL ) you can keep them blind, by taking the orders yourself, hence your users never visit their site.

The only way they support recurring billing is through Dynamic scripting ( Perl, Php, Asp etc )

Im currently working on a set of scripts to automate this, bill every month through PHP, MySQL And CronJobs.

I'll be posting a message on the forum in a bit, giving an update on how far along i am.

Ow yes, almost missed the important bit. They accept vertually all cards Mastercard, Visa, Eurocard, Diners, Discover, JCB and UK ( Solo and Switch )

They can pay you via Check or Bacs ( And US Equivalant ) on the 15th of evey month.

Chargebacks:

Although HostCharge passes down all cbs to the merchant, our 'high volume' ($5K +) clients get a special advantage, we lower their cb fee to $5 any way.

Defiant PC:

We have both hosting related and product related sales on several websites, would like to use a single company for all.
Are hosting related services the only goods that can be sold through Hostcharge?

- HostCharge is intended for the sale of hosting related products. Please contact me off forum so that I can see whether you qualify to sell other products or not.

Regards,
Asher.