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  1. #1
    SitePoint Member
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    What is the best merchant processing solution?

    If you want to take credit card orders (or pre-orders), what is the best merchant processing solution?
    I've heard the PayPal and Google Checkout will freeze your funds if even a single person complains about your service to them.

  2. #2
    SitePoint Addict WilliamW_321's Avatar
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    no ...PayPal will freeze your account but
    they all will.

    I like Authorizenet for a primary merchant account
    and then use PayPal as a secondary payment
    option.

    Some carts will allow for 2 options on the
    order page.
    PremiumWebCart
    Memberships, Up Sell, Affiliate, CRM, Project Mgr, See More

  3. #3
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    Hi I am new here and I am starting with your answerer. If you don't care about the customer leaving your site:
    Amazon Payments (underrated in my opinion)

    PayPal
    Google Checkout

    If you need to seamlessly integrate a payment form in your site:
    -PayPal Payments Pro ($30/month for a virtual terminal and API integration, no contracts, 2.9% transaction, it's really hard to find a merchant company that can beat this unless you're talking in volumes).

    -Authorize-net coupled with the merchant company of your choice.
    When evaluating a merchant company, beware of contract stipulations, transaction fees, and monthly fees. My first provider was Card-service International (one of the largest) and I used Link Point for the online gateway. I was paying $60-80/month just for the service! (transaction fees excluded) AND I was locked in a 2-year contract with an insanely high cancellation fee. One of their fees was a mandatory $20 "customer service fee" for access to their 24/7 customer service team. (W T F?)
    Just be careful when evaluating merchant companies. Try starting at your bank (as long as it's not Chase, B o A, or Wells Fargo). Generally, local community banks or credit unions will have fair pricing and good customer service for merchants.

  4. #4
    Follow Me On Twitter: @djg gold trophysilver trophybronze trophy Dan Grossman's Avatar
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    With any of these solutions you consider, carefully read the merchant agreements. Not all of them permit you to take payments for pre-orders. You'll be in a bit of a jam if you take thousands of dollars of pre-orders, they look into your account and see that they're preorders, then close your account and freeze all the funds for 6 months.

  5. #5
    SitePoint Member
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    A serious merchant provider will not ask for a long-term commitment and should provide you with a clear cost-plus schedule A that lists all prices. The main advantage is that a good service provider will help you with the setup of the shopping cart and provide value support. Generally you'd look at around $25 a month for the service plus the processing in terms of costs.


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