Have I got this right?
I am getting a shop setup for a client, but am a little unsure of gateway/merchant account types offered by Sagepay and PayPal (mainly due to PayPal’s confusing website). I don’t have any numbers on estimated transactions sales / month from the client, but they are expecting great things, so aim for the higher ground
Sagepay Direct doesnt come with a merchant account. You would need to either get one off a bank or other third party (or even Sagepay itself - http://www.sagepay.com/products_services/bolt_ons/merchant_services/pricing)
PayPal Web Payments Pro IS a payments gateway AND merchant account rolled into one, and thus fees are as follows https://www.paypal.com/uk/cgi-bin/webscr?cmd=_display-receiving-fees-outside
I was a little unsure last night when I did some basic calculations about the difference that Sagepay Direct (without merchant account) and PayPal (with merchant account?) are offering
Any help greatly appreciated