Who gives best merchant rates for credit card processing?

I am seeking for suggestions on who gives best merchant rates for credit card processing online. Any one has experience with international credit card processing -- who has the best rates. I've looked at Card Service International, PayPal, best I could get for US 2.3% +/- many fees. Any suggestions?

 

Still Paypal IMO

 

try this site can even be used on ebay Merchant Account

 

google checkout isn't charging any fees for the next year. i don't think you can beat that.

 

Thanks a lot for your suggestions. How is google checkout working out for you?

 

GC has too many issues, specifically when it comes to tracking conversions

I would recommend staying away from GC until they mature.

You can get a merchant account at 2.47% or PayPal one.

Don't focus too much on whether it's 2.47% or 2.3% or 2.2% at this point. Focus on a provider that can scale well and offers 24/7 service.

The top ones are CSI (Card Service International) First Data and HSBC

PM me if you'd like a link for a free merchant account setup

 

Costco even has descent rates through nova if I am not mistaken.

Your credit worthiness will affect how easy or who will accept you.

 

Check out this article over at SitePoint: Solve the Payment Processing Problem. It compares providers and has a built in calculator to help you figure out which is the best for your business.

 

I wonder two things about CSI.

1. Does it support International accounts? (In the "Send Me Information" page only US address can be entered )

2. Does it have multilanguage support for the credit card processing pages?

Thx

 

2CO is also good and reliable

 

You may wish to look into something like this;
http://www.litecommerce.com/payment_gateways.html

 

That would be a product of the gateway. If you use the API of any gateway you have full control over the page and can have it be in any language you'd like.

 

The top ISOs in the United States are Chase / Paymentech. They are owned by First Data - which is also owned by First Data. Talking to any of the agents - you are liable to get almost any rate - from 2.09% - 2.44% usually.

There are some smaller ISOs as well like www.cdgcommerce.com that might be better suited as well for you.

 

for online ebay
offline shops termnetmw.com

 

oh really that will be gr8

 

But considering they don't charge a monthly fee makes them almost always cost less then a true merchant account with a gateway. You can see this clearly demonstrated in this article.

 

Even after the yr, they only charge 2% and .20 per transaction. still cannot beat that.

 

They are all about the same, and are in the business of sucking blood from a turnip. AMEX is the worst. Merchant always loses when it comes to charge backs, yet the cc merchant keeps the commission.

That said, we use Authorize.Net. We used to use viaklix/Nova through our bank and they were bastards! Horrible system.

 

Actually Amex is more forgiving then Visa and MsterCard. With them, unless you swiped the card through a credit card terminal or software you lose every time. With Amex you can still win if you have a signed contract from the customer confirming the sale was legit and successful.

Which part, Authorize.Net or Nova? I've found both to be very good.

 

How many people in our business have a card to swipe, much less see the actual customer? 99.9% of all online transactions tend to lean towards the consumer. AMEX's fees are some of the highest out there.

ViaKlix