Good credit card payment processor

Hey all,

If it's been discussed here before, I'd appreciate a link to the specific thread. The forum search did not turn up anything I was hoping to find.

What service (besides PayPal) do you use to accept online credit card payments? Any good/bad experiences? I am mostly looking to accept payment from US-based clients

Best
James

 

you can consider worldpay.com or 2checkout.com , a reputable payment gateway provider.

_____________________
James Tan

 

I vote with 2Checkout, while your starting off, shop around when the time comes to worry about how much your paying in transaction fee's.

 

Good advice here, guys. I casually looked into 2checkout but was put off by a lot of negative reviews on alexa/amazon.

So you never had problems with 2co personally?

best,
James

 

Are you looking for a 3rd party processor, or an actual payment processor?

A 3rd party processor is a company like paypal, 2checkout, ikobo, etc. Otherwise you would look for a traditional merchant account. A merchant account will be more involved getting setup but IMO is a solid long term solution whereas a 3rd party processing solution geared for short term. Also, a merchant account will normally cost less than a 3rd party processor, provided that your business has sufficient transaction volume. Generally I would say that if you process over $1000 / month, a merchant account will be cheaper. A merchant account can be integrated into a website so that your visitor never leaves the site. Only a few 3rd party processors allow this.

What I would recommend for online merchants, would be processing through FDMS or Nova, and using Authorize.net as your payment gateway.

 

Thanks a lot jestep. At this point I'd be looking at a 3rd party processor since the volume is still very low and sporadic but the info you provided is very good to consider.

 

Not yet, support is good, communication is good, anti-fraud system seems to be in healthy shape. Reports are wide and varied and easy to install buttons for checkout. Direct credit to your account. Pretty damn cool system.

 

I highly reccommend CDG Comemrce. I use them and love them. http://www.CDGCOmmerce.com. They have an amazing reputation at webhostingtalk.com

 

I'd recommend 2checkout as well.

 

i'm using 2checkout. overall they are ok.

but i have to say that they are sometimes overly strict regarding fraud. i have had some known and good customers rejected when they perform payment.

 

I'd say that's a good thing though.

 

2checkout or worldpay ( beside paypal for US).

 

this depends on the fraud level - if you have minor one - go with the one which can remove fraud checks for your products, or you'll start loosing valid orders which will cost you much more than the processor discount rate.

 

Another good option for UK is chronopay.com

 

I just signed up with Loud Commerce and using the LinkPoint gateway. They were extremely helpful and gave me a test store to help get the connectivity before I was approved. Once I was approved, it was very simple to add my account. I had a couple of questions and they even helped me out, something that most agents don't normally do.

We chose them because they use Cardservice and Cardservice is owned by First Data. I was going a pretty large volume ($150,000 by the year is out) and they were able to get me 2.04%. I think they will try to get you 2.19% if you are not doing that much through some of their promotions.

 

Thanks for the recommendation caliguy80!

With you being in the United States James, you have tons of options available to yu. I would consider a third party solution only if you are not going to be doing much volume or you do not to accept credit cards for some extended periods of time.