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Thread: PayPal Account

  1. #1
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    PayPal Account

    Hi everyone,

    I am quite new to e-business, accepting credit cards etc... so I am reading this forum with interest.

    I looked through the 'accept credit card' thread and several others, learnt about merchant accounts, shopping carts and gateways... and it seemed all quite expensive to me to accept credit card payments online.

    Now, I have programmed my own little shopping cart with the php knowledge from Kevin Yank's guide. I just need a button where ppl reach a form where they can enter their credit card information and the money is transferred to my account.

    Then I came along the Paypal Programme. My questions: Has anyone used this programme? What are your experiences with Paypal like? Why does it seem so much cheaper than other programmes? Are there any catches that I have missed?

    Thanks for your help,
    Frank
    That' it.

  2. #2
    SitePoint Wizard westmich's Avatar
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    I don't think there is anything wrong with it, per say, but it will limit your ecommerce application.
    - Hard code paypal links for each product
    - Clients will need to set-up there own paypal account in order to purchase
    - Appears less professional

    IMHO, if you're looking to sell $100+ a month and have a few bucks in capital to get started, its worth going the more professional route.
    Westmich
    Smart Web Solutions for Smart Clients
    http://www.mindscapecreative.com

  3. #3
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    There is another option that not many people seem to know about. propay.com has fees along the same lines as paypal, but the customer does *not* have to be a member. There are no monthly fees or setup charges.

    You would have your shopping cart process it as an offline order, because it works like a merchant account without realtime processing. You collect the customer's billing info, login to your propay account, and enter the info manually. In 2-3 days, the money is transferred to your propay account, and you can leave it there or transfer it to your bank (takes another couple of days).

    You can also use it to process credit card info you have gathered in person or over the phone.

    It seems that they are able to do this by setting up a pseudo-merchant account for you. If you use paypal, the payee on the customer's credit card statement shows up as paypal. With propay, the payee shows as your e-mail address (for example, mine is sales@terrawebsolutions.com).

    It can be a bit of a pain to enter the billing info manually. But IMO, this is a great bridge solution for those who need to take credit cards but are not ready for the expense of a full-fledged merchant account.

    Hope that helps.
    Jeri Burdett
    www.twtek.com

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    SitePoint Zealot izaak's Avatar
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    About your questions...

    Hello Frank,

    When comes to accepting credit cards it all depends on what type of service you would like to have. If you would like to use a third party billing company such as paypal just to get started they have a pretty good reputation, but when you need serious questions answered in a professional manner and need top notch tech support then it is time to use an online gateway payment system. Online gateways really are not that much money for the quality of service you get and the fast transaction clearing. Set-up is as low as $89.95 which means you get the license and any help you may need setting up your gateway system then for the hosting of real-time credit card transactions and top notch tech support you only pay $9.95 per month whether you go througn my company or another merchant account provider.

    I hope this was a help to you Frank and feel free to ask me any other questions about credit card processing.

    Reguards,

    Izaak Nason
    GetchaName
    Domain Name Ideas
    www.getchaname.com
    sales@getchaname.com

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    Thanks

    Thank you for your suggestions...

    I particularly liked the ProPay idea, but unfortunately this service is only offered to US residents and I am based in the UK / France.

    I also realised tha ProPay also has the advantage that it has the option to enter your details yourself... therefore it does not lead customers away from your page.

    For the beginning I will stick with PayPal, I think, especially because I do not know whether my project is going to work or not - I will have quite a very low turnover.

    If everything works out well, then I will change to a different system.

    Anyone some more ideas?
    Other cheap solutions that work on a commission basis, without any set-up or minimum charges?
    I would be happy to hear from you.

    Frank :-)
    That' it.

  6. #6
    Payment Acceptance Expert jconley2's Avatar
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    Hi Frank,

    Here's a list of 3rd party companies. I'd suggest having PayPal as an available option but not using it mainstream for payment acceptance. I'd instead use one of the companies below:

    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

    ClickBank - http://www.clickbank.com

    Verza - http://www.verza.com

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

    PayByWeb - http://www.paybyweb.com

    ProPay - http://www.propay.com (allows for automatic and manual transactions without customers signing up for an account)

    Revecom - http://www.revecom.com

    CCNow - http://www.ccnow.com

    BidPay - http://www.bidpay.com

    InstaBill - http://www.instabill.com

    WorldPay - http://www.worldpay.com (great for Non-US businesses)

    2CheckOut - http://www.2checkout.com

    InternetSecure - http://www.internetsecure.com

    WebSiteBilling - http://www.websitebilling.com

    IBill - http://www.ibill.com

    PayPal - http://www.paypal.com

    Might I suggest you give your business all you have to offer, if you go in not expecting much, more times than not you'll probably end up with... not much. Give it all you have, drive towards success. Put yourself into a favorable market where those who would be interested in your services will be able to find you. If in the end things don't work out, work on your business plan some more to see if you can straighten out some of the crooked spots. I believe if you put your mind to anything you can make it successful. You just need the drive and determination. If you have those two aspects then the only place you can go is up.

    Those are my words of wisdom.

    To your success,

    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; Jun 13, 2001 at 05:54.

  7. #7
    ********* Addict jaiem's Avatar
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    I've never been able to get my shopping cart to link directly to PP even though it's supposed to be able to do it.

    I do like mentioned above, make PP as an offline (check/MO) purchase but add a line at the bottom to say "Send your PayPal payment to:XXXXXXXX".

    I think PayPal does have the advantage of being used more than other similar systems. But I doubt you can just use PP instead of a traditional merchant account. IOW, use it in addtion to tradition CC's, not in place of it.
    Ocean View Host - Affordable web hosting plans for any business.
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  8. #8
    Tenacious T Tyhe's Avatar
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    Hey Frank, you calling me a liar Frank..
    is that what you callin me? Huh Frank?
    YOU CALLIN ME A LIAR FRANK??

    SOrryy.. your name just made me think of scarface...

    Used paypal, and can't say anything more than, VERY NICE..

    they are expanding everyday, and are going to be VERY big...

    A good one to use.


    Greetz.
    That's all folks...

  9. #9
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    Jaiem,

    You just have to edit your vars.dat file properly. I have done it before.
    www.gotmerchant.com - an online guide to merchant account service for any business looking to accept credit cards. The site has helped thousands understand the service and protect themselves from unethical sales reps.

  10. #10
    SitePoint Guru hurtdidit's Avatar
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    Originally posted by jaiem
    I've never been able to get my shopping cart to link directly to PP even though it's supposed to be able to do it.
    It's actually pretty easy to set up with DansieCart (I am assuming that is what you are using, I use it too). The setup instructions state pretty clearly as one of the alternative payment variables.

    Otherwise, email cart@dansie.net and Craig is pretty good at getting back to a person promptly.


    Anyhow...

    I, too, am looking at alternative payment options. I already have PayPal as one of them, but it just isn't good enough to use as a sole form of payment; too many customers shy away from it just because of the number of steps and questions involved. 2checkout looks like a great alternative, so I have emailed them and hopefully will hear back from the today to see if it is possible to integrate it into DansieCart.

  11. #11
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    Originally posted by Curtis Stevens
    Jaiem,

    You just have to edit your vars.dat file properly. I have done it before.
    I think I lost you there. What vars.dat? I thought pp calls some cgi-script on your page which you can use to update your database?
    That' it.

  12. #12
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    Hi hurtdidit,

    What are the primary objections you run into with users wanting to pay and PayPal?
    Regards,
    Damon
    PayPal Consumer Relations

  13. #13
    SitePoint Guru hurtdidit's Avatar
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    paypaldamon, well the biggest complaint we hear is that it is simply too much work to sign up for an account (all of the questions, etc.). The other thing is some people do not like the thought of having to sign up for an account just to place an order.

    Don't get me wrong--I love PayPal, and have found it to be very useful, and especially affordable, it's just that I know we are losing sales as it is, thanks to the added steps required to set up an account (customers can get impatient, you know!)

  14. #14
    SitePoint Guru hurtdidit's Avatar
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    fj_111,

    I think he is talking about DansieCart; if you do not run it, you probably don't have much to worry about!

    If you DO run it, however, there are some awesome possibilties! www.dansie.net for more info; it's a pretty straightforward, yet powerful, cgi cart solution.

  15. #15
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    Hi hurtdidit,

    Thank you for your comments.

    I have reported the request for not creating an account to make a payments, but the account creation does help us reduce fraud (Gartner rates put online credit card fraud around 2.64%---ours is well below one-half of one percent). I do believe that product is researching the issue (no accounts for payments), but we would be sure to address any fraud issues first.


    I appreciate the feedback a great deal---please feel free to contact me if you have any concerns/suggestions.
    Regards,
    Damon
    PayPal Consumer Relations

  16. #16
    SitePoint Guru hurtdidit's Avatar
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    That is awesome to hear they might be changing the order restrictions!! That would be music to my ears, truly!

    And I understand the need to reduce fraud; that is the argument I always give customers. Some of them still don't care--they would rather have the risk with increased convenience (go figure).


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