We've had several issues with 2checkout over the past week or so and have yet to get a response from 2checkout (they were excellent until these issues came up)...anyhow,

I've been shopping around for a merchant account. Some WHT users have said they really like Wells Fargo. They are one of the companies I'm looking at. One thing I'd like to know....how does it work with recurring billing. Is all client information retained on the WF site and we initiate a billing each month? Can the monthly amount be changed if the client upgrades or is a reseller and adds accounts?

Also would like to know how easy is it to integrate into our website (currently using perlbill).

Any additional information and insight would be greatly appreciated.

Not sure how perlbill works, but with wells fargo you cna use authorize.net. I too have been using 2checkout and am frustrated with it, and also the lack of professionallism, and most impoprtantly, the lack of automatic recurring billing in modernbill. So I signed up for a wells fargo account.. they are still checking our credit, but will hopefully be up and running with them by the end of the week.

IMO you can't beat their rates, and a pretty good track history.

I have used Wells Fargo for about a year now and it is so so really. One thing that absolutely blows my mind is their chargeback policy for Amex charges. If you are an internet only company they don't ask questions if an Amex cardholder initiates a chargeback, they just take the money and charge you $15 for the chargeback. Also, even if the chargeback was a mistake, you have to get the customer to call Amex back. Amex refuses to contact their customers on your behalf to correct these mistakes. So, I guess in theory, a spammer could rent a couple dedicated machines from you, spam the world, and then call AMEX and get his money back with nothing to worry about......and you just have to live with it.

For recurring charges, you can just upload transactions every month and process them that way. It is fairly simple. All of the customer information is kept on their machines. You can keep it on your machine if you like (yikes), they have multiple ways of connecting.

They are in the middle of migrating the integration systems and I have not upgraded to the new method yet so I do not know how hard it is to integrate.

If you are an internet only company they don't ask questions if an Amex cardholder initiates a chargeback, they just take the money and charge you $15 for the chargeback.

What you need to do is go direct with AMEX and just have the gateway run the transactions using your AMEX merchant #. AMEX is great because they do not charge a chargeback fee. They do automatically place you on the immediate online dispute return. Meaning if someone disputes it, they just refund to the client and have you deal witht the customer directly. We use a collection agency to go after them when this happens, but at least we didn't have to pay $15.00. Also, you can still dispute it with their Chargeback department. They will allow for this.

For recurring charges, you can just upload transactions every month and process them that way. It is fairly simple. All of the customer information is kept on their machines. You can keep it on your machine if you like (yikes), they have multiple ways of connecting.

Could you explain what it means to "upload transactions"? Do you need to upload the complete credit card data, or just some sort of order number that corresponds with the stored number in their database?

I'm wondering if we can do recurring billing without storing the credit card numbers ourselves.

screw wells fargo

they hold your money 2-4 days longer than should be held, just because youre an internet merchant

we have 3 merchant accounts they hold the longest

we are ending our relation with these scum bags on 12/31

try nova at costco.com

re amex, you will get killed no matter who is your merchant carrier
amex is great for the buyer and non negoitable for the merchant regardless of what arrangements you may think you have with your bank or merchant processor.


el_g