I have been using Propay and it has served me well when my business is below $1,000/month...
after which you will have to put money into reserve to increase your processing limits. I don't mind putting money into the reserve, but the support team takes like forever to verify your processing limit increase. This is where it annoys me the most.
- No hidden monthly charges.
- Nice interface.
- Reasonable discount rate.
- You can manually process a CC.
- Your preferred e-mail on your customer CC bill.
- Direct to bank transfer.
- Annoying processing limit increase procedure... bad if your business grows as fast as mine.
- Reserve takes 6 months to return to you once you cancel the accoutn or lower your limits.
In short, if you are doing small business (less than $1,000/month) then Propay is the way to go. Very hassle free. But once your business starts growing above that, Propay will be slow in catching up with you.