What would be the easiest way to accept visa/mastercard online from Canada, for a small happening for which we would like to take reservation online ?

This would be a temporary shopping cart for a couple of month before the happening.

Google and paypal offers indirect payment so I would have to disacard them!

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I am in Canada and looking to start off with something small as well. Looks like either paypal or 2co

I just started using 2checkout.com and it's been good so far.

I just did a check on the 2checkout terms. What is 5.5% of Sale Amount ? Do they really ask for 5.5 % of what you sell ?? This is pure robbery!

I just did a check on the 2checkout terms. What is 5.5% of Sale Amount ? Do they really ask for 5.5 % of what you sell ?? This is pure robbery!
Yep, its pretty expensive, however, CCNow, MultiCards, Beanstream are 4.75% to 5% anyways.

Beanstream has a $40 monthly fee, take 4.75% and a 70c transaction cost.

For us Canucks you also have Internetsecure, optimalpayments and moneris but I don't have pricing info from them yet (you have to contact them) ... and I wouldn't be surprised if they have monthly fees as well.

The low cost alternatives are: paypal at 2.9% and $.30 OR
perhaps Nova/Costco at 2% and $.27 (I haven't verified if this is really available in Canada yet)

It would be nice if google checkout or paypal websites pro was available for their indepth but they aren't.

If you have anybody else that us Canucks can use, please tell us.

This isn't all encompassing but it does compare 2co against beanstream on a monthly transaction level basis:


Number of Amount per Gross Payment Provider Costs ....
Transactions Transaction Income 2CO BeanStream Paypal

100 $50 $5,000 $320 $348 $175
200 $50 $10,000 $640 $655 $350
300 $50 $15,000 $960 $963 $525
400 $50 $20,000 $1,280 $1,270 $700

100 $20 $2,000 $155 $205 $88
200 $20 $4,000 $310 $370 $176
300 $20 $6,000 $465 $535 $264
400 $20 $8,000 $620 $700 $352

50 $100 $5,000 $298 $313 $160
50 $200 $10,000 $573 $550 $305
50 $300 $15,000 $848 $788 $450
50 $400 $20,000 $1,123 $1025 $595

It would appears that breanstream and 2co are both pretty close. I guess you get the benefits of having an integrated website experience with beanstream VS

fast and easy setup with 2co VS

cheap and possible paypal hassles (and probably only in US$)

The best option would be google checkout or paypal pro or costco nova (if available). Good rates and integrated experience.

My research is still ongoing.

Great analysis Scotsman!

Do you guys know if Paypal Pro accept transactions in Canadian funds ?


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Yes it does.

Great analysis Scotsman!

Do you guys know if Paypal Pro accept transactions in Canadian funds ?

--Unfortunately, you can't get paypal pro if you are in Canada ... yet

Merchant account for a developer in Canada (http://www.webhostingtalk.com/showthread.php?t=565544)

Its always a bit problematic to obtain service for a limited period of time, or one time event. Usually you are signing a multi-year merchant agreement carrying monthly and termination fees. Whatever provider you go with, you'll want to factor that in.

I was curious about the Costco/Nova merchant account for Canadians. There is indeed a sign-up form for Canadians at:

http://www.costcocanada.novainfo.com/

Great news on the costco option!