I am lookinf for a way to accept credit cards on my ite without having to redirect to a third party. Is there any that don't charge a monthly fee and simply take a percentage?
Paypal does not charge a monthly fee and they can be set up to accept credit cards on your site (no 3rd party redirect). But a company that doesnt charge you a monthly fee will just jack up the other fees in order to make up the difference. Personally I use authorize.net for credit card transactions. The monthly fee is only $10.
I realise that I would have to pay in someway but it is more cost effective to pay a small percentage on each transaction. Certainly in the early days anyway.
You should use PayPal as its safer. popular, widely used and also doesn't charges any fee. It would be good for you ! - Digital -
if i purchase a product of 100$ from your site via authorize.net how much money you receive ? whole 100$ or any deduction with that transaction ?
You might be able to find a merchant account that doesn't charge a monthly fee, but all I can tell you is that it will most likely always have higher percentages if that is the case. Most merchant accounts are only $20-30 per month, so if you're flowing even a small volume of sales though it, it should still be a better deal than any merchant account with higher percentages.
Unfortunately your not going to find this without paying an outrageous discount rate. Paypal pro charges $30 per month plus a pretty high discount rate. If you are doing any type of volume at all, your better off going with a monthly fee rather than one of these MSP's that charge 3.5% + 30 cents and only a $60 yearly fee. For example if you do just $5,000 in sales, You will end up paying $65 more in processing fees per month to save $20 a month on statement fee's. Doesn't make a lot of sense.