Paypal is a 3PP? Anyways, since this is a small business and you wont be taking in alot of money, I would go with paypal. They are secure and all that mumbo jumbo. Paysystems would cost you, and for a small business, Paypal would be much easier. Once you do move up and you start recieving more money, and in larger amounts, you will probablly want to go with a 3PP. I suggest CDGcommerce
Welcome to the forums Jazz999 - go with both of them.
Why - because both are a little different. (Yes Philman 213 - Paypal is a third party process / aggregator) But Jazz999 - since you are in the UK - you are somewhat limited on your set-up. Get Paypal to have access to its members. And then get Paysystems as well to be able to accept credit cards on your site. Paypal gets a little stick about accepting credit cards online but with Paysystems - once you are arppoved by their underwriter - you will be able to accept them
PayPal is still the best way to go, and they do process credit-cards on the fly, coreybryant info is not totally accurated. What they do, and is a GOOD thing, is that if the user puts wrong info on the CC form, they treat the user as he was creating a PayPal account. Asking for the codes they sent to the CC used. Otherwise, is just like a CC process, nothing else, is aproved right away. I know, cause I have several members on my site that got the CC processed right away, without having to go trought the PayPal registration process. From USA, UK, Italy and other countries. But some, that filled wrong info, had to go trought the PayPal process...
We had the discussion today, PayPal only proccesses CCīs directly (and does NOT require your clients to signup for an account with them) if you have a US merchant or Business account with them. Clients from international merchant accounts still need to signup for PayPal. However, they say it will also work for international clients soon.
As far as for problems, very simple, I didnīt have any for over 1,5 years I am using them now (and I do high-amount transfers). I got an email from them last week saying that my account is limited (the only thing I couldnīt do in this period is to close it) until I verify it with faxing them my passport and sending 1 Euro to my account via banktransfer (this is because they have to verify you because of a EU-Law, when you received a specific amount of payments). I can only say that the process was DEAD easy, I faxed everything over minutes later and the PayPal system automatically regonized I had send the fax. 2 days later everything was back to normal.
My resume is, PayPal is a great thing if you work hand in hand with them (and donīt forget how much paperwork other merchant accounts require you to do before even signing up), has a nice protection against fraud and most of the people that complain about them are fraudulent (PayPal protected me 3 times from these kind of people already). Also remember they you can INSTANTLY withdraw the money you received, other merchants have hold-backs for up to 6 months for received CC payments.
If they now start offering the "no signing-up required" for clients of international merchants too, I can only say they are unbeatable.
Additional the guy who did the audio-interview (who sounds like he had to use the creditcard of his parents and their permission to signup at PayPal) above does not seem very educated about how recharges work for VISA payments at all. Normally their can be a 6month hold-back for such cases until you see ANY money with other merchant provider. Additional every VISA client on this earth has the right to chargeback any transactions done, 6 months after he did them without a problem. So that PayPal even offers you to withdraw the money to your bank account directly after receiving it makes PayPal carry a big risk already - which is pretty fair from them in my opinion.
Additional he should read the PayPal TOS before starting a account with them and then start complaining on the phone. Donīt believe a bank that does your credit card processing would even start to discuss with you on this topic. Some people should really grow-up or not be allowed to use PayPal.
I think PayPal would be a good solution for you if you are looking to process small volumes from the U.K. For a higher volume, more "industrial-level" solution, WorldPay or PaySystems may be more suitable.
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Well, Paypal changed just recently, to allow non-Paypal members to sign up, which was definatly a major complaint, I use (& develop) applications for Paypal, & I havnt personally had any problems over several years of buying & selling, havnt tried Paysystems, (and admitedly my opinion is a bit biased) but - only good things to report, from my experiences w/Paypal.