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  1. #26
    Payment Acceptance Expert jconley2's Avatar
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    junkyrddog,

    I've often heard that WorldPay was a great service, esp. for non-US businesses. Both price wise and amount of features. WorldPay's been recommended by a few users here in the forums off and on.

    They are certainly worth a look and when I e-mailed them a few weeks back I received a reply within a few hours.

    You can find WorldPay at http://www.worldpay.com

    Regards,

    Jim Conley II
    CEO/Founder - MerchantSeek
    Search FREE for a Merchant Account Provider based on your business needs and budget. We're your one stop information source on payment acceptance. Visit us at http://www.merchantseek.com

  2. #27
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    I'm not a great supporter of Pay Pal, but I've had no problems with them in the 2 years I've used them

    I don't get junk mail, maybe someone else can share some experiences of receiving junk mail from PayPal.

    They are just another way of accepting payment and I try to provide the options that people want.

    5 million PayPal users is pretty powerful.

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  3. #28
    ********* Addict jaiem's Avatar
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    Haven't had any spam I could track specifically back to coming from PP.

    It's worth having as a payment option IMO.
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  4. #29
    Non-Member NetEthusiast's Avatar
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    yea pay pal is pretty cool

  5. #30
    Payment Acceptance Expert jconley2's Avatar
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    Offer multiple payment acceptance faucets

    Offering multiple ways for people to order is always a good option. It doesn't force a person to only pick one way to pay. Offering e-check and debit card acceptance are also good additions to payment acceptance.

    So, yes, offering PayPal IN ADDITION to your other payment faucets would be a good idea for those who are already PayPal registrants. Just don't limit yourself to just PayPal.

    Regards,

    Jim Conley II
    CEO/Founder - MerchantSeek
    Search FREE for a Merchant Account Provider based on your business needs and budget. We're your one stop information source on payment acceptance. Visit us at http://www.merchantseek.com

  6. #31
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    World pay isnt even trusted by verisign or truste, and ive never heard of them, i would stay away.

    Originally posted by jconley2
    mamakawama and any other Mexico-based merchants,

    WorldPay has contacted me and said they ARE able to provide merchant accounts to Mexico-based businesses. You can apply via their site at http://www.worldpay.com or you can contact the representative that e-mailed me, Marc Montaldi at 703-444-0260 x215 or by e-mail at: marc.montaldi@usa.worldpay.com

    Regards,

    Jim Conley II
    CEO/Founder - MerchantSeek
    Search FREE for a Merchant Account Provider based on your business needs and budget. We're your one stop information source on payment acceptance. Visit us at http://www.merchantseek.com

  7. #32
    Payment Acceptance Expert jconley2's Avatar
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    WorldPay uses Thawte (now purchased from VeriSign) SSL certificates for its security of transactions. And as far as the Truste issue is concerned just because WorldPay isn't listed there doesn't mean they are a bad company. I believe they've got some good secure history behind them, founding back in 1993.

    In fact Truste was in the news quite a bit some time back about certain issues of credibility and such. Just because someone has a Truste logo on their site doesn't necessarily mean they are a great company to do business with, sure it can be great for credibility issues, but to secure that credibility you have to prove to your clients you are a worthy company to deal with. This starts at the pre-sale stage and goes on though to customer support, etc. And as you gain credibility you'll also gain customer loyalty.

    Personally to find out whether a company is worth my time and money is to get testimonials and reviews from current and past clients. Granted there's no perfect company out there (you'll have some people on both sides of the court), but I think that testimonials and other peoples referrals are an absolute gold mine is making important business decisions.

    But... to each his/her own.

    Regards,

    Jim Conley II
    CEO/Founder - MerchantSeek
    Search FREE for a Merchant Account Provider based on your business needs and budget. We're your one stop information source on payment acceptance. Visit us at http://www.merchantseek.com

  8. #33
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    hm... I don't really understand what you mean saying that you have to register firs in order to make any payments.
    I've been using PP some time ago, and that was how it worked:

    1) you open your account.
    2) you put a piece of their code on your website.
    3) User comes. He can pay you either buy CC(Master Card/Visa) or buy PP account!
    If the user doesn't have a PP account the payment will be made by CC IMMEDIATELY!
    yes, user will have to fill a lots of information, that's the larges drawback.

    But, having PP in your site will allow you to accept PP, Visa, and Master Card!

    That the scheme how it was some time ago.
    I haven't used PP lately for accepting payment, so they might have changed their policy!
    If you have some info about that please let me know, because I'm planning to use PP as CC accepting system.

    Another question, have you ever seen free/inexpensive PP based shopping carts?
    Do youhave an idea how can I implement PP to my shopping cart?

    Thanks in advance,

    Andy
    Internet Solutions for Your Customers, Employees, and Partners!
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  9. #34
    Payment Acceptance Expert jconley2's Avatar
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    Hi Andy,

    When I said to register I meant that when a new customer wants to order from you if they don't already have a PP account they have to go through a registration part first before they even order the product they want. It's an extra step many people don't want the hassles of having to go through. People want ordering to be simple, fast and easy.

    The other downside was only receiving funds twice a month (I believe that's what it is) and having to go through a 3rd party if something goes wrong. Eliminating the middle-man is the best route.

    Again, PP is good as an ADDITIONAL payment acceptance solution, but I wouldn't limit to just using them. Having multiple payment acceptance faucets won't force someone to use just one method and they'll be more likely to order from you if you offer more than one method.

    Regards,

    Jim Conley II
    CEO/Founder - MerchantSeek
    Search FREE for a Merchant Account Provider based on your business needs and budget. We're your one stop information source on payment acceptance. Visit us at http://www.merchantseek.com

  10. #35
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    yes, I agree with that..
    but! It is free!!! What have you expected from free stuff?
    No set up fee! No monthly fee!
    I guess this is perfect solution for the smaller sites which can't afford paying set up & monthly fees.
    Of course I agree that filling up that form is major drawback!
    But it is not really that bad... lots of people have heard of PP... so they probably will not mind getting a free account! especially if their friends have!

    so, back to my question, have anyone heard of free/inexpensive PP based shopping cart?

    Thanks,
    Andy
    Internet Solutions for Your Customers, Employees, and Partners!
    www.netimpulses.com

  11. #36
    Payment Acceptance Expert jconley2's Avatar
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    The free way should not be the only way. Granted there are some great free stuff out there and by all means use it, but at the same time don't cut yourself short on giving your customers the best experience on your website. Not just with the ordering process, but with presenting product information, support, guarantees, etc.

    I just want to see that you succeed in your venture Andy that's why I'm making additional suggestions.

    If you're looking for no setup, monthly fees, etc. Check out these 3rd party providers:

    IBill - http://www.ibill.com (seems to offer a really nice service)

    CCNow - http://www.ccnow.com (easy set-up)

    ProPay - http://www.propay.com (similar to PayPal but doesn't require new customer account sign-up and system allows for both automatic and manual based transactions)

    Revecom - http://www.revecom.com (offers multi-currency payment options)

    There are more than the ones I've listed, these just came to my mind first.

    These 3rd party processors don't charge those monthly fees and setup fees, they just take a certain percentage from each order and that's it. It works well for those who don't have the cash to buy their own merchant account at the start-up phase of their business.

    Perhaps down the road you can get your own merchant account (something I always suggest), if so, let me know I have a few providers I can recommend...some of which only cost $99 for a real-time Internet solution.

    But for now stick with a 3rd party provider. And sure I'd include PayPal as a payment option also, but don't overlook the 3rd party recommendations above, some of them are real nice for merchants like yourself.

    I took the liberty of locating a possible shopping cart candidate for your PayPal account....

    eMartCart - http://emartcart.com/cart/

    They appear to have some really nice features. I don't know how well they setup or work but it's free so why not give it a whirl? They offer a premium version for only $10/year.

    I'm sure there are more PP shopping carts, you may want to do a search for a Perl script on...

    CGI-Resources - http://www.cgi-resources.com

    Again, I'm here to help you out any way that I can Andy. I wish you the best in your online ventures.

    Regards,

    Jim Conley II
    CEO/Founder - MerchantSeek
    Search FREE for a Merchant Account Provider based on your business needs and budget. We're your one stop information source on payment acceptance. Visit us at http://www.merchantseek.com
    Last edited by jconley2; Apr 9, 2001 at 06:28.

  12. #37
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    Jim!

    Thank you very much for your reply! Your information is realy valuable!
    You see, before that I was busy with development of my website, later with it's promotion. And Only now I aproach the point where I have to charge my customers.
    And like the majority of small business online ventures, I don't have much cash to spend.
    So yes! 3rd party providers is the best solution in such a situation!
    Jim, you seem to be experienced with all this stuff.
    Could you please give us the whole list of 3rd party providers and recommend some of them?
    I'm sure this information will be valuable not only to me but for other members of this forum as well!
    Another question, could you please explain the mechanism of that? You see, including different parties doesn't make it sound well Why don't they charge set up/ monthly fees?

    Thanks,
    Andy
    P.S. here is a suggestion for you! Why don't you make a special list of all 3rd party providers with ratings and comments on your website?
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  13. #38
    Payment Acceptance Expert jconley2's Avatar
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    Hi Andy,

    The whole list of 3rd party processors? There's quite a few and would be nice to have a site with all them listed (though after searching Google I couldn't find any).

    I don't have a full list compiled, but do have a few more to add to the ones I gave earlier this morning:

    CCBill - http://www.ccbill.com

    Globill-Systems - http://www.globill-systems.com (good for sites offering memberships and the like)

    GoEmerchant - http://www.goemerchant.com (heard positive and negatives on this one)

    ClickBank - http://www.clickbank.com (see above)

    Verza - http://www.verza.com

    Web Charge - http://www.web-charge.com

    PayByWeb - http://www.paybyweb.com

    But of the ones I've listed I'd have to say I've heard good stuff about IBill. I'm not sure about most of the ones I've listed. You may want to ask for comments from users of any of the above services. I think testimonials are very powerful for making big decisions like these.

    One note about the CCNow compnay that I listed in my previous post, I do believe they only accept merchants that offer tangible products and not services. Be sure to check out each processors terms before committing.

    To answer your question about how they work and such. By using a 3rd party processor the transaction part of the order process must be done off THEIR site. Why? Because if they allowed the transaction to come off your site that would show they are allowing you to use their merchant account. This is illegal. It's called factoring or credit card laundering. In other words, two separate companies cannot use the same merchant account. Each company must use their own. As an example, if your wife owned a jewelry store and you a hosting company both of you couldn't use the same merchant account. If caught, it would result in some pretty hefty fines. This is why when a transaction goes through it's on their site.

    Not really a big deal, but does show a little unprofessionalism... but you can only do what you can do right now. Again, try to move towards obtaining a real merchant account down the road when funds will support it.

    The reason why they don't charge a setup or monthly fee is because they make up for the loss by charging a higher percentage (discount rate) for each purchase that is made. Some take 8%, 10%, 15%, etc. You get the idea. Whereas with a real merchant account discount rates for Internet merchants are usually around 2.50% (and higher for non-US merchants). But they can charge lower because they have other fees they charge and such. But with 3rd parties they profit from the small percentage they receive for each order that is processed.

    Chargebacks with a 3rd party can be costly, so watch out for that. Most of the 3rd party processors will list their company name on peoples credit card bills instead of your company name. This can confuse people thus resulting in a higher level of chargebacks. BUT...there is a way to lessen or eliminate the risk. I've a few articles on MerchantSeek that teach how to lessen the risk of chargebacks. You can view them here: http://www.merchantseek.com/articles.htm You'll also get some great info on preventing credit card fraud. Very valuable information. It'll help to keep the profits you make, in your pocket.

    Hopefully this information has helped you better understand.

    Thanks for the suggestion, as I think about it I think I may very well do just that. Perhaps setup a directory with information about each processor, allow for client reviews, and more. Plus it could be somewhat profitable (money wise) for me, also. I'll add that to my "to-do" list. Thanks!

    Let me know if you have any more questions Andy!

    BTW - Nice site you have there. May get you to do some work for me in the future. So many things to do, so little time to do them.

    Regards,

    Jim Conley II
    CEO/Founder - MerchantSeek
    Search FREE for a Merchant Account Provider based on your business needs and budget. We're your one stop information source on payment acceptance. Visit us at http://www.merchantseek.com
    Last edited by jconley2; Apr 9, 2001 at 19:11.

  14. #39
    ********* Addict jaiem's Avatar
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    Don't for get BidPay (www.bidpay.com)

    The name throws people off. While not meant for e-commerce there's no restriction enforced on it and it's really good for international customers (people outside the U.S. trying to buy from U.S. companies).

    Very reliable service.
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  15. #40
    SitePoint Wizard Anat's Avatar
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    Paypal really upset me!

    Like Australians, Israelis are now also unofficially banned from Paypal. What really upset me is that they never bothered to email me about it.

    I opened my Paypal account months ago, happy with the knowledge that I can accept payments from international customers and have them show up in my credit card bill. Now, as I have someone actually paying me through Paypal, I find out I can't accept the money unless I have a US bank account.

    Hello?!?! Paypal - why would someone living in Israel have a US bank account? I have actually contacted several US banks to see if I could get one and it turns out almost all of them need you to have an American social security number and a US mailing address.

    Now I have 50$ waiting in my Paypal account that I can't accept. I have to tell that customer to mail me a check instead. Doesn't look very professional now does it? Asking her to pay through paypal and then having to say "oops, sorry, I'm not really eligible for a Paypal account, at least not one I can actually use"...
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  16. #41
    ********* Addict jaiem's Avatar
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    Anat - Isn't Bank Leunmi (sorry about the spelling) considered a US bank? I see their branches around Manhattan.

    How about opening an account at an Israeli branch of a US bank like Chase, Citicorp? (assuming they have branches in Israel).
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  17. #42
    SitePoint Wizard Anat's Avatar
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    I have thought about these options, but that would mean either starting a new account or moving my account to a US branch. It's a lot of red tape and would cost me money.

    Anyway, I found instabill through these forums and they seem to be just the thing for me. It's a 10% commission but I have just received my first payment and the customer said it was very convenient.

    Thanks jconley2 for your useful links and info!
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  18. #43
    Payment Acceptance Expert jconley2's Avatar
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    Sure Anat! Anytime you have any payment acceptance questions be sure to send them my way.

    Regards,

    Jim Conley II
    CEO/Founder - MerchantSeek
    Search FREE for a Merchant Account Provider based on your business needs and budget. We're your one stop information source on payment acceptance. Visit us at http://www.merchantseek.com

  19. #44
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    aha) Jim is our local payment systems and merchant accounts guru

    I have another problem, I do have an account in the US bank, but soon I'll have to leave the United States.
    The problem is that I will not have a mailing address in the USA, thus all those companies who send checks to their affiliates will not be able to do that.
    A few of them can make direct deposits or PP transfers, which is fine with me...
    But is there any way to deposit those checks in my account? Can they send them directly to the bank?

    Thanks,

    Andy
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  20. #45
    Payment Acceptance Expert jconley2's Avatar
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    Hey Andy!

    I conversed with a friend on this one... here was his response:

    "This guy may be able to have his bank deposit checks made out to him into
    his account, but normally they only do this if the check is sent to them
    with a deposit slip. But they may be willing to work something out. It is up
    to them if they want to take the extra trouble to look for his mail and be
    responisible for depositing the checks. The smaller the bank, the more
    likely they would consider this.

    There are mail watching and bill paying services that cater to travellers,
    and especially to boaters and yaghtsmen, that sound like they would do such
    a task for this guy.

    He should go look in the yaght cruising magazines, in the classified add
    sections.

    If all of his partners could pay electronically, then he would not have any
    problem, I guess.

    Short of his partners giving him permission to generate transactions that
    debit their accounts, there is not much he can do.

    Hope that helps."

    Let me know how it goes and if you're still stumped.

    Regards,

    Jim Conley II
    CEO/Founder - MerchantSeek
    Search FREE for a Merchant Account Provider based on your business needs and budget. We're your one stop information source on payment acceptance. Visit us at http://www.merchantseek.com

  21. #46
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    Hey Jim!

    Thank you veru much for your reply! I appreciate it very much!
    You seem to be very knowledgable! And I'm happy that I've found such a community!
    As for the checks, hm... but can I have them mailed to my friend and he will deposit them for me?

    Have a great day!
    Andy
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  22. #47
    Payment Acceptance Expert jconley2's Avatar
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    Hi Andy,

    Yes, you can have your friend deposit the checks for you. Just provide your friend with your bank's address and your deposit slips and account number. He/she can then write your account number on the back of the checks, fill out the deposit slip, and either send them or take them to the bank. Ask your bank if you have to sign the back of all of your deposits. Some companies will have a rubber stamp made that prints their name, and use this to endorse the backs of the checks. Your friend would not be able to make withdrawals, however, unless they are listed on the account.

    Hope this helps! And as always if you have any more questions let me know!

    Regards,

    Jim Conley II
    CEO/Founder - MerchantSeek
    Search FREE for a Merchant Account Provider!
    Visit us at http://www.merchantseek.com
    Last edited by jconley2; Apr 27, 2001 at 12:57.

  23. #48
    Don't eat yellow snow spaceman's Avatar
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    PayPal bad customer experience

    I've just had a bad PayPal customer experience (in common with a few other Australians), thought I'd share it with you here...

    When signing up for a PayPal account, you have to supply them with valid credit card details. Try as I might, I could not get my one-and-only credit card to verify through their system. Their online advice is "contact your credit card issuer to see if you can find out why your card is being denied".

    So I did. My (VISA) credit card issuer (probably the largest bank in Australia, the Commonwealth Bank)assured me that their systems are giving my card the 'thumbs up'. The operator even watched his screen as I made another attempt to authorise my card via PayPal. He watched as the request came from PayPal, and he watched as his system replied with a 'thumbs-up' to PayPal.

    So I sent an e-mail to PayPal customer support with this information. I was hoping to get back a response such as "thanks for pointing this problem out, we're working on it" or something to that effect. Instead I got back one of those unbelievably annoying e-mails where the contents of my original report to them had not been read and/or comprehended at all. It was along the lines of "we're sorry your credit card issuer has denied your card, please try another card".

    I got really irate in my next e-mail back to them. Trying hard to control my annoyance, I wrote back to them something like "TRY TO UNDERSTAND. MY CREDIT CARD ISSUER IS NOT DENYING MY CARD..." Incredibly, the next response from them was little changed in it's position, "you must understand that credit card verification is a very complex process... we're sorry that your credit card issuer has denied your card..."

    AAAAARGH! It's taken about two days for my blood pressure to drop to normal.

    Now, I know enough about programming to know that just because my credit card issuer confirmed to me that their systems were ok'ing my card, it doesn't necessarily mean that that's what PayPal's systems were hearing - clearly they weren't. So the problem could be at either end or in between. But the fact that PayPal appeared to be in total denial that any problem existed at all was what really bugged me.

    Customers eh!? Who needs 'em!
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  24. #49
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    Hi spaceman,

    Have you had a response from this from customer service? If not, please PM or email me (damon@paypal.com). I will see if I can get financial ops to get this on their radar.

    My apologies for the inconvenience you have experienced.
    Regards,
    Damon
    PayPal Consumer Relations

  25. #50
    SitePoint Zealot Lamar's Avatar
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    Hi all-

    Our experience with Paypal has been very good. We have a merchant account, but never seem to use it.

    The merchant account can be expensive, which companies usually pass along to customers as "set up fees" or higher prices. Of course, not all companies do this. For instance, our merchant account has a $99/yr member fee, a $25/mo gateway fee, a $10/mo statement fee, and a 2.85% + $0.35 transaction fee. So, this past year it cost us $519 in member, statement and gateway fees just to have a merchant account. Now, if you sell a service or good, tack on the transaction fee. We got robbed!

    We started using Paypal after customers started requesting it. The only problem we have had was client-side. An email sent to PaypalDamon (who visits WHT and Sitepoint) received a quick--less than an hour--response and follow up until the problem was solved.

    We use the subscription service so that it charges the client's card automatically each month. Any refunds can be handled via "Send Money". If a customer upgrades their hosting account, we simply have them sign up for that subscription and cancel the old one.

    As you know, all things can and do change. But, I hope we continue to receive the same service from Paypal as we have received in the past.

    -Lamar


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