Beside
CCnow (Expensive)

2checkout (okay, but batch upload of product need to be done via email, cheque arrive slow)

Revecom ( registration is pain in the neck)

Paypal ( not all country ).

Is there anything else we use? We sell tangile product.

Looks like the only other reputable company you have left out of there is clickbank.com

:D

We are now testing Worldpay

Clickbank only provide facility for digital product.

Worldpay fees are VERY expensive:
US$399 set up fee <-- !!!!
US$50 / month <-- !!!!
US$0.40 / trans
3.25% $-$ and 5.25% multi-currency
Monthly License and Hosting fee: US$50 / month
Additional 10 megabytes of web space per month: US$25
A Click and Build Shop with 20 megabytes of space




Any other ?

Originally posted by jpkl

Worldpay fees are VERY expensive:
US$399 set up fee <-- !!!!
US$50 / month <-- !!!!
US$0.40 / trans
3.25% $-$ and 5.25% multi-currency
Monthly License and Hosting fee: US$50 / month
Additional 10 megabytes of web space per month: US$25
A Click and Build Shop with 20 megabytes of space


I think it is the quote for U.S. only

for a real merchant account for international customers, try planetpayment.com!

you may like to try freechariot.co.uk similar to worldpay but only£85 per year i`d have signed up myself by now if it wasn`t for the £75 signup fee

Re your comment about Revecom signup being a pain in the neck, if you can't be bothered to fill out a form and fax it maybe you shouldn't be in this business. :D

Originally posted by Myacen
We are now testing Worldpay

Just ditched worldpay due to slow, non remitted funds - we received 3 out of 6 of the latest remittances from worldpay due to reasons unknown - The payments were sent by them but returned - it took 3 months to sort this out.

btw, if you refund a transaction that is obviously a fraud, you will still get a chargeback request if the card holder complains to their cc company (As they would when they see their statement)

Also say you refund $600.00 and receive later a charge back for that payment (Which happens all the time) guess what happens when you get your next remittance? They -$600 from your remittance and keep the original purchase of $600 for themselves for a while - under disputed RFI - So you lose the $600 until they decide to put it back because you already refunded it. We had one such payment denied for over 3 months.

I don't know whether worldpay are actually refunding the transactions back to the card holder or just keeping the money for a few months but every refund we gave came back to haunt us as a chargeback - They have just frozen our account because of the latest chargeback request - we refunded that transaction in February. We don't use them anymore and I can't recommend them to anyone - A whole year went by like this, it wasn't a one off thing - In my opinion they suck big time.

Hope they are better for you.

Hi

I currently use MultiCards (multicards.com) - been using them for about 2 years. I found them very good and not too expensive to start up BUT they make up for the low fee by charging a high % per transaction.

This is great if you don't know what business you will get because you are paying low fees to set up, no monthly fee and a high % per transaction is 0 if you make no sales! So it is a good option to dip your toe in the water.

If the business takes off then you can find a service that charges a low % - but maybe a higher annual fee.

You need to work out which is cheapest - this is the situation I am in at the moment. I am finding that paying an annual fee will now work out cheaper than keep paying a higher % per transaction. (Actually just remembered that MultiCards allows you to pay a higher annual fee for a low % per transaction - must have another look at this)

I have found MultiCards very reliable and do not stick you with chargebacks - If a payment is disputed MultiCards will inform you and usually issue an automatic credit after about 5 days for anything less than $100 - this sounds bad BUT it actually saves you chargeback fees. Disputing a chargeback request is almost impossible and paying a credit is much cheaper than the chargeback.

They process in multi currency and you can add additional payment forms for different web sites, etc So you need only one account and you can use it with several businesses, which is a great plus.

You can also choose to use real time verification or batch your payments. They also offer recurrent billing and pin code/password generation but I haven't used them.

I am based in the UK and found MultiCards great. They transfer money direct to my bank account for a fee of about $10.

I know MultiCards have been around for years which is also another plus.

The only real disadvantage I have found is that all payments show up as Buy-Secure-Access rather than your own business name. But unless you have your own merchant account this is probably the same for the other credit card processing companies.

As I said above I think now it is cheaper for me to go with someone like WorldPay because the transaction fees are lower BUT the comments about WorldPay above worry me - was just about to sign up with them but now not sure.

I looked at freechariot.co.uk but there are a lot of unanswered questions on their site. For example can you interface to the payment screen via PHP, how does redirection work, can you redirect to different pages depending upon which product/service was purchased, how do you get the money! I emailed them and will see what they reply.

Does anyone have any actual experience of using freechariot? Or know of any other service that can be used by UK based businesses?

Yours

Kevin

Originally posted by avara
Re your comment about Revecom signup being a pain in the neck, if you can't be bothered to fill out a form and fax it maybe you shouldn't be in this business. :D


Hmm more than that, I wrote them an email asking them 2 or 3 questions, they took 9 days to reply my mail.

I still can't understand the attraction of real merchant accounts. What a pain in the neck! Have to do all that integration and not much of a backend suite to help manage everything.

We use Revecom and I think they are fantastic. It's like having a whole accounting department at your fingertips. They are expensive but the end result is a good billing solutions that lets you control your products, stores all data, emails clients when orders are placed and lots more. I know we have to put up with the occasional runtime error due to their servers being WinBlows but I love this service, reliable too and the rarely needed support is fast.

Give them another chance. The set up process is easy and cheap. You won't regret it.

Refund and Return Policy.
Client will accept returns of merchandise and services, and will agree to refunds for Customers who initiate an inquiry or complaint either with PaySystems.com or with their credit card issuer. Paysystems.com will use its best efforts to resolve customer inquiries and complaints in a manner that is acceptable to both Customers and Clients; however, PaySystems.com reserves the right to issue a refund without the knowledge or consent of Client in any case that it deems appropriate


Above the return policy on revecom agreement, we have this problem with ccnow as well :

A customer purchased an item AAAAA from us, and after a week or so they claimed they did not receive the item and file a complaint to ccnow. ccnow sent us an email informing us, therefore we provide ccnow proof , such as tracking number and so on.. and we even sent an email to our customer asking them to send back the item to us and we will issue a full refund.

After 3 days, customer get to keep the goods, and ccnow issued a FULL refund to him..

This is daylight robbery man...

Hi

Re Revecom.

I had a look at their site and demo, was impressed especially with the pricing (much lower compared to MultiCards who I am with).

I emailed several questions to them and they replied within hours. They also tried to phone me but I was just going out at the time, so I asked them to phone back - they did. That's from Canada where they are to the UK where I am. I was very impressed.

I emailed additional questions and again they replied within a few hours.

If you have had trouble I suggest you email Angus Baldocchi abaldocchi@paysystems.com

The biggest problem was that I need both their Sales and Catalog programs, multi currency for several web sites.

I thought this would result in additional fees making them expensive compared to MultiCards - but they responded basically saying I can have all of this for the one set up fee of $79. This involves having multiple accounts with them - basically one for each currency and web site. So mulitiple loggins, etc but they will consolidate all monies received into one account.

No monthly fee, a transaction rate of 3.95% plus $1 - great stuff.

OK 2checkout may offer a lower transaction rate but they charge set up fees for every web site and currency - which can work out quite expensive.

Filling in the application form was a bit of a pain - because many items were not easily applicable to business in the UK. But Revecom (well actually Paysystems.com) were again very helpful.

I am now waiting for them to fax back a contract and if ok should be up and running later today.

Up to now Revecom (sorry Paysystems.com) have been truly great.

If they service and after sales support is as good as pre-sales then I would recommend them to anyone.

I echo NexDog give em another try.

Regarding what jpkl says. I think this is really a basic problem with accepting credit card payments. The buyer can always initiate a chargeback for almost any reason and the actual credit card company (Visa, AmEx, etc) always sides with the customer.

Processing companies know that and therefore take approriate action to protect their own relationship with the CC companies.

Yes it is daylight robbery but really the fault is actually with the CC companies and their dishonest card holders rather than the processing companies. If the CC companies actually decided to impliment a policy to get rid of dishonest card holders honest businesses wouldn't have to suffer like this.

This current policy only encourages dishonest customers and disadvantages honest traders

Don't blame the processing companies blame the CC companies themselves and their dishonest customers

Yours

Kevin

I wouldn't recommend this company.
Spoke to a salesperson who had a look at my site and said everythings okay as far as compliance is concerned.

Faxed Paysystems their 10 page agreement.heard nothing for 10 days.Sent 2 emails - no response.

Called them up - they couldn't help as "they had no access to my fax".

Finally logged onto their site.Used their livechat and was told to pay the signup fee before they could tell me yes or no!

Paid the fee and back came their response - does not meet their compliance issue !- despite salesperson looking at site first.

Bear in mind I am outside the USA, so all this has cost me a bit.Even though they reunded the signup fee I lost approx. 10% in the conversion.

I am looking at Worldpay.So far all my emails have been answered within 4 hours and they even called me up- international call !!

Originally posted by Dotcomsnz

We had one such payment denied for over 3 months.



On that note, we have had one sitting in their from september :confused: