I know there're a lot of threads about Paypal and 2co...I read most of them.

But I just have some specific questions.

I'm from Argentina, so...no merchant account or Authorize.net for me.

So, I'm only with PayPal for international customers, I want to include 2CheckOut..it always better 2 payment methods than one.

But, as far as I see..there isn't too much difference (for what I use PayPal and will use 2checkout) between them.

As far as I know, PayPal doesn't require to the customer to register to pay with CCs.

The other thing is the recurring payment.
With Paypal, the user must have an account and money into it.
2CO support recurring payments? or it support them but it won't passback the information to my billing script?

So, you reccomend to have PayPal & 2CO as payment method for international customers?

Thanks in advance..and sorry for my bad english =(
Nahuel

I haven't got 2Checkout's recurring payments to work, but it's not a problem if your billing software generates a new invoice every month.

I find that 60% (roughly) of our clients use PayPal and the rest use 2Checkout. I personally like PayPal because it's just quicker to purchase something, however A LOT of people do not like PayPal and prefer an alternative payment method.

Will you be using any billing software such as Clientexec or ModernBill?

I reccomend both PayPal and 2CO as payment methods for your customers. 2CO does recurring payments, just as Paypal does. Some clients didn't want to use Paypal then you can use 2CO to charge their CC, so It's worth to have 2CO.

Paypal only does recurring payments if your customer has a paypal account. 2CO will do it directly from their CC.

I'm using ClientExec right now.

So, 2CO does recurrent payments without the user intervention or it sends some alert to pay it again? (this means that if the user will receive every month in the cc bill my hosting order)

Thanks for the replys!

I believe 2CO does the recurring payments automatically, without having to contact the user or have any user intervention - that is until their credit card expires.

We use PayPal & 2CO too. Even though they support recurring billing in general, there are some differences:
1. 2CO does not support trial/prorated initial billing, eg. $X for the first Y days, $Z per ZZ months thereafter.
2. 2CO provides passback for sign up, but no passback/API for cancelation or termination. You will have to process cancelation or termination manually. What we do is to have a script to parse emails from 2co to automate cancelation/termination.
3. 2CO does not support creating recurring products on the fly. All recurring products must be created in their CP before anyone can order them. PayPal, on the other hand doesn't require product creation.

PayPal supports all the above. Due to lack of the API/passback for recurring orders, most billing software do not support 2CO recurring billing. If 2CO is supported, it's going to be manual invoice-based payments.

Hyperspin,

Do you think that get an account from 2CO worth the price if I also use PayPal?

Thanks.

Right now 27% of our customers are on 2co, so I do think it's worthwhile for us.

We used to use PayPal exclusively, but soon after we started business many people requested for other options. We were "forced" to add 2co.

My advice with using PayPal/2co is to make sure you don't sell ultra cheap plans (eg. $2/mo) because the commisions are quite high and will affect your profitability. You can still sell cheap, but ask for half-yearly or yearly payments.

To process credit card on Paypal without account, I think you need paypal Pro or credit card processing thing on paypal... which requires..TaxID or SSN to get approval...That's what I know.. (maybe wrong)

Thanks

You don't need Website Payments Pro in order to accept credit card payments through PayPal. If you use Website Payments Standard you can offer Account Optional checkout for your customers who don't have an account. The customer would still be entering their credit card information on a PayPal web page, but would not be required to sign up for an account.

Account Optional is not available for Subscriptions and recurring payments, however. It's available for Buy Now and Shopping Cart purchases.

You don't need Website Payments Pro in order to accept credit card payments through PayPal. If you use Website Payments Standard you can offer Account Optional checkout for your customers who don't have an account. The customer would still be entering their credit card information on a PayPal web page, but would not be required to sign up for an account.

Account Optional is not available for Subscriptions and recurring payments, however. It's available for Buy Now and Shopping Cart purchases.

I just learned that today, and I was overjoyed.

So, If I can process CCs through PayPal without user registration...I think that 2CO is out for now.

Am I right?

Yeah, but CC via Paypal does not provide recurring billing.. but you can on 2Co.

Bt the way, does anybody know which (Paypal or 2CO) has the better rates in dealing with CC payments?

So, If I can process CCs through PayPal without user registration...I think that 2CO is out for now.



first of all, I', much surprised to find out that Paypal now allows CC processign without necessity to register a customer as theit member...hmm, I shall give Paypal closer look now. But anyways, since they do not accept members from my country I have stick to other 3rd party processors, and 2CO has been just fine for me for about a year. Also, recurring payment support is their strong point.

that's the only bad point of PayPal I think..

even if 2CO doesn't do a passback to your script on the recurrent payments.

With 2CO if you want to charge like a setup fee for 1 month and the rest at the same price does it work well for recurring payments?

I personally recommend both, they have their good points and their bad points. 2co and their chargebacks are a nightmare if you sell intangible products you just get screwed over by both sites when it comes to fraud, but at least PayPal doesn't do the chargeback thing.
Paypal is great because you get paid instantly, and they have it so you get cash back on purchases too.
You can set up 2co based on the average amount of sales you have.. so if you get tons of small sales they wont charge you as much, but they take a good chunk out of larger sales, and vice versa.
Best of luck!