Hi all,

I'm looking for a free payment gateway to use in conjunction with a website. Sagepay, Paymate etc all charge per transaction or per month.

I already have Google Checkout and Paypal.

Any suggestions?

i don't think there is a free payment gateway.

There's no free payment gateway (yet). For average volumes, cheapest is Paypal.
Which makes me think ... Anyone interested in setting up a free payment gateway?

There's no free payment gateway (yet). For average volumes, cheapest is Paypal.
Which makes me think ... Anyone interested in setting up a free payment gateway?

How would the company make money at all then?


If someone gives me 2 million dollars I will make one for 5 years and see how it goes lol.

Are you looking for a "free" to sign-up payment gateway? I believe CGD Commerce give you access to a "free" gateway. I have never personally tried it but I know several people from whmcs.com forum's that use it and recommend it to other users.
http://www.cdgcommerce.com/free-payment-gateway.php

There's no free payment all charge per transaction or per month.

i prefer per month.

Hi all,

I'm looking for a free payment gateway to use in conjunction with a website. Sagepay, Paymate etc all charge per transaction or per month.

I already have Google Checkout and Paypal.

Any suggestions?


I think you are asking zero-setup gateways, since there is no free one, simply because transferring money from someone's pocket to your one is not free of charge.

I would suggest 2checkout but there is a 1 one setup fee and the transaction fees are very high.

If you talk to other merchant companies like bluepay.com im sure they can make a merchant account that fits your service.

How would the company make money at all then?


If someone gives me 2 million dollars I will make one for 5 years and see how it goes lol.
Google Ads, right :D

Yes, if you are looking for a company that would process payments for you and won't charge anything then there are no such companies. Each processing company has its own way of charging or combines them - setup fees, transaction fees, periodical fees, etc. Depending on the amount of money passing through your account you will need to choose the best plans for you. If you do not expect lots of transactions, it would be better to use per-transaction fee scheme. If there are multiple transactions then it would be wise to pay monthly fee.

Hi all,

I'm looking for a free payment gateway to use in conjunction with a website. Sagepay, Paymate etc all charge per transaction or per month.

I already have Google Checkout and Paypal.

Any suggestions?

Having a quick look at your site, it appears that your average sale is 3.99 GBP to 9.99 GBP. Let's say the average sale is 7.00 GBP and you do 2000 transactions per month. If the transaction cost is 0.15 GBP, processor has to make 300 GBP (2000 X 0.15) elsewhere. What are you willing to offer in return for MSP to make your account profitable?

Zero transaction cost may work for large ticket businesses but not quite for small ticket sales.

Thanks for all the replies. So is there a company that charges per transaction, instead of per month? This means I won't have to pay for unessecary costs.

Most places who do small transaction processing, like PayPal, are going to take a small cut of each transaction instead of charging you anything up-front. PayPal may honestly be something to consider. Look into it - they offer a lot of business related services that go beyond what you probably expect PayPal does.

for countrys where no work Paypal, I think Alertpay can be a good alernative

2Checkout,Alertpay,Moneybooker?
Regards.

2Checkout just has a signup fee, Alertpay and Moneybookers are free

for countrys where no work Paypal, I think Alertpay can be a good alernative

2checkout is a good alertnative for paypal payments.

Try Nochex.

moneybookers is also a cheap payment merchant. I use it and it hasn't setup fee

It's not an immediate solution but I'm working on creating a new payment processor called dreampayments.com there will be no fees other than low per transaction fees.

i don't think there is a free payment gateway.

There is a service https://www.quantumgateway.com/, no fees but get an account through: http://www.cdgcommerce.com/free-payment-gateway.php. Same thing but you can get instant activation through them.

Thanks for all the replies, in the end I went with No Chex as they have stopped the monthly payment plan and only charge a one off fee of £50.

As jordanriane and GigeWeb mentioned already, yes - you can obtain a free gateway using the Quantum Gateway if you obtain it as part of your CDGcommerce merchant account. This really is a free gateway in that there are no setup, monthly or per transaction fees on it. (For any of you who currently use CDG, please also keep in mind that you can switch to this at any time if you haven't already done so - this is not just something available to new merchants) :)

Naturally, you will still need to pay the normal fees that are pertinent to the merchant account side of the equation. The payment gateway is only providing one aspect of the service - you still need to authorize & clear the funds through a merchant processor. So the main advantage of any free gateway program from any processor that offers that is the elimination of one aspect of your fees - the monthly & transactional gateway costs.

lol what do you get for free these days?
free trials? charged at 39.95 per month
buy one and get one FREE etc etc etc
mmmm what does that say

lol what do you get for free these days?
free trials? charged at 39.95 per month
buy one and get one FREE etc etc etc
mmmm what does that say

I would agree you should not trust everything without consideration, however sometimes there are really good deals, and they are supported by relationship/partnership before companies.

Actually, i know CDG Commerce company very well and we advise their accounts to our customers also. They are reliable company.

Thanks for the kind words, XCart. :)

Regarding your comments, yorock, I can understand that people these days can be skeptical. It is hard to blame anyone - I have seen advertisements from some providers that tout "free gateways" only to find out that they were talking only about the setup fee or that they inflated their monthly statement fee to make up for the difference. To me, that is NOT a free gateway program - it is just a shifting of fees from one line item to another.

However, if your comments were referring to our specific CDGcommerce program that was brought up by others in this post - I can definitely assure you that it really, truly is a free gateway program with a $10/month total cost between the merchant account and the gateway with no monthly minimums or other monthly fee components... not anywhere close to the $39.99/month figure that you were (perhaps jokingly) talking about. Thousands of merchants over the last couple of years - including plenty of folks on WHT - can readily attest to this fact.

All of that said, I think as a general rule you should proceed exactly like XCart suggests above - do your homework and look into the full details before making any decision on any product or service that you are looking at. If it is a good deal, the details will reveal that and if it just a "shell game" - the details will reveal that as well. :)

i don't think there is a free payment gateway.

In all my years, I've never seen one either. I don't see how they could do it given they wouldn't make any money on the transactions.

jstuckemeyer, the specific free gateway program that has been referenced in this thread most definitely exists and is used every day by many merchants.

Just keep in mind that because it is free to end users (i.e. you as a merchant), it doesn't mean that the payment gateway provider isn't assessing a cost to the merchant processor and I can tell you first hand that this is exactly the case in this scenario.

Why would a merchant processor like CDGcommerce do it? It's simple - it helps reduce our merchant's bottom line costs and it gives us a competitive advantage and so we are willing to make the investment for our merchants and acquire additional long term residual bankcard business as a result.

What it all boils down to is shopping around. Take auth.net for instance. You will find gateway fees that range from free, to as much as $20.00 a month. Someone up top said - the fees cme into play because the account needs to be profitable. This is true. The true profit for any processor is volume.

If you have a gateway that's "free" then it costs someone money to maintain that gateway. If you don't process anything, then it's basically a loss for the gateway operator/reseller. Just like you, these places are in business to make money, not lose, so high volume will always get the better rates, and no gateway fees, etc.

If you wish to maintain a gateway, then there will be a fee involved, but shop around, because these fees vary greatly from one provider to another. You can find auth.net for (.95 a month, but honestly, the guy providing these accounts make NOTHING from that gateway fee. They are counting on you processing lots of transactions, and that is where they will make their money - through the discount fees.

I absolutely agree that it always pays to shop around and look at the options available. However, in terms of the "free gateway" only being available to merchants with high volume - that is definitely not necessarily the case at all.

Certainly, merchants who have a much higher than average volume will always be able to get lower processing rates. But even a brand new startup merchant is able to obtain a free payment gateway these days and under great terms & conditions.

Again, it is important to keep in mind that a gateway can most definitely be "free" to a merchant IF the processor is willing to absorb the necessary cost on that. Depending on the specifics, some processors can simply absorb this into their statement fee revenues.

That said, most either do not have the economies of scale with their gateway provider to do that or do not want to go that route as it will reduce their margins accordingly... however some ARE willing to do that. I guess this goes back to the whole "shopping around" point. :)

Me too... :)

In all my years, I've never seen one either. I don't see how they could do it given they wouldn't make any money on the transactions.