Paypal is pretty straight forward to setup. Go to paypal.com and setup an account and follow their merchants tutorials to setup your shop.
As far as it goes for an merchant account I would get an account with Authorize.net with "Real-time" processing. This will allow users to use their credit card to order online, process the payment and send you the results. Then all the money will be deposited to your business account each day.
You can purchase a shopping cart script (there are also some free ones) that can be setup on your web site. These scripts typically integrate with the larger merchants and allow smooth checkout processes and billing. So look into some of those.
I am correct in saying that Authorize.net operates as PayPal does as a third party company and so all you need is a bank account to recieve payments in cash. They are 'approved' to accept the credit cards etc?
Authorize.net will setup a payment gateway for your web site. In which they typically charge $0.25-$0.50 per transaction and anywhere between 1.9-3.9% of the total being charged. Its basically like a credit card machine you use at shopping stores but virtual. They take the credit process request, verify the account, charge it and post it to your bank account. It is better than paypal in my opinion.... more people have credit cards than they do paypal accounts.
Authorize.net also provides a web admin panel where you can login and view your transaction, issue refunds, charge-backs etc.
Originally posted by Swerve1000 Worldpay you reckon JIM_UK? Does this place operate in a matching fashion? Thanks for any help.
Authorize.net are more like a merchant account and allow more intergration within your systems. Worldpay are a third party payment processor whereby you pass your buyers from your shopping cart script, to Worldpay who then process the payment (which can intergrate via callbacks with your system to send things like receipts). Worldpay will then deposit all payments in your bank account once a week (minus their fee). The advantage of this is that all payments are handled by an expert in this field (run by Royal Bank of Scotland) so you don't need to concern yourself with all the security concerns. The down point is that it's slightly less flexible than your own merchant account.
Paypal is another option but in my opinion Worldpay is a lot more professional and a minimum for anyone taking payments via the internet. I'm always wary of sites that only accept Paypal/Nochex.
Another option would be to speak to your bank about a merchant account. This will require a very large amount of application forums, credit checks though but it's best to speak to your bank directly on this.
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Question: does this work with people who live in paypal non-eligible countries?
I emailed paypal and have never received a response. They simply told me to phone them.
No. At checkout, the customer must enter a billing address that is within one of the supported countries. (You can set up a Buy Now button, click on it & click the option for customers without accounts, and you will see the list of supported countries for the purchase.)
Swerve1000, PayPal does support credit and debit cards, including Switch/Maestro and Solo, through our Account Optional checkout. Take a look at the checkout process to see whether it will meet your needs for credit card payments from customers without PayPal accounts.