PayPal Website Payments Pro comes with Virtual Terminal for the stated purpose of keying in phone, fax and mail orders. It is free with the Payments Pro service, which costs only $30 per month, no setup fees, no termination fees, no statement fees and no downgrade fees. Just a flat, fixed rate depending on your monthly sales volume (2.4%-3.1% + $0.30 per transaction).
Just the opposite in my experience - once you’re established as a trusted online seller, dump PayPal immediately. Until then, let PayPal convince the world that making an online purchase through you is as safe and secure as possible. To online payment newbies - it takes very little effort to sign up with PayPal, while other payment gateways require more extensive background checks, bank references, and business statements. In the end (when you have sufficient volume) you want to chose a payment gateway that gives you the best deal. Any one of them will be easier to implement that horrid PayPal interface.
I’ve had merchant accounts through 3 different ISO/MSPs and none of them asked for references, business statements or a background check. Just a simple application, a social security number, and a bank account number to make the deposits to. All 3 companies set up accounts at 3rd party gateways without requesting additional information.
[QUOTE=Dorsey,post:22,topic:77298"]
Any one of them will be easier to implement that horrid PayPal interface.
[/quote]
Really? All a PayPal implementation involves is changing the item number and price in your buy-now link/button, and having a script that takes IPN posts and marks rows as paid for in your database based on the item ID (which you provided in the payment link). It’s the same for single payments and subscriptions.
I’ve implemented 3 different payment gateway APIs and they all involved more than that.
I accept credit cards directly with my own merchant accounts as well as PayPal. PayPal is cheaper, especially at volume since they lower their rates as your volume increases. The merchant accounts quote cheaper rates, but after all the downgrade fees, statement fees, gateway fees, AVS fess, batch settlement fees, etc. PayPal’s pricing (2.2% + 0.30 with no other fees, and fees returned on refunded payments) comes out less.
If you use Paypal’s pre-built scripts you are in for a mess of bloated code. As far as integration, most gateways including paypal offer simple NVP REST API’s. They are about as easy as a payment API can be to integrate with.
I did a breakdown of Paypal’s PHP SOAP express checkout integration, vs. a custom NVP integration I did with the same functionality. Paypal, 190,000 lines of code for the SOAP integration, I got away with about 450 including commenting.
I would strongly recommend any ecommerce site to at least accept paypal as an alternate payment method. There’s many people who want to pay with it, and I can pretty much guarantee that you are losing sales if you do not at least use it as an alternative method.
Rather than using your own credit card payment you can try payment processing systems like Paypal.Authorize.net that will surely increases the sales.
What wonderful, sage advice. Trying payment processing systems will increase the sales, wow! And we should even try Authorize.net, which is a payment gateway that does nothing without a merchant account… which you told us we don’t need! Thanks for all the help.
Hi Dan :
Paypal payment is not accepted in many countries,in this terms the client prefer to choose alternative payments. If there is no option, there is no assurance of sales conversion.
If there is an alternate solution , there is the added chance for the conversion. That’s what i try to told. This is not mean that i am not recommending particular service.