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Good credit card payment processor

Discussion in 'Payment Processing' started by Liminal, Nov 14, 2005.

  1. #1
    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.
    SEMrush
    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
     
    Liminal, Nov 14, 2005 IP
    SEMrush
  2. jamestcs

    jamestcs Peon

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

    _____________________
    James Tan
     
    jamestcs, Nov 15, 2005 IP
  3. clickhandbags

    clickhandbags Peon

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    #3
    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.
     
    clickhandbags, Nov 15, 2005 IP
  4. Liminal

    Liminal Peon

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    #4
    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
     
    Liminal, Nov 15, 2005 IP
  5. jestep

    jestep Prominent Member Premium Member

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    #5
    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.
     
    jestep, Nov 15, 2005 IP
    Liminal likes this.
  6. Liminal

    Liminal Peon

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    #6
    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.
     
    Liminal, Nov 15, 2005 IP
  7. clickhandbags

    clickhandbags Peon

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    #7

    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.
     
    clickhandbags, Nov 15, 2005 IP
    Liminal likes this.
  8. shaxs

    shaxs Peon

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    #8
    I highly reccommend CDG Comemrce. I use them and love them. http://www.CDGCOmmerce.com. They have an amazing reputation at webhostingtalk.com
     
    shaxs, Nov 22, 2005 IP
  9. Dekker

    Dekker Peon

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    #9
    I'd recommend 2checkout as well.
     
    Dekker, Nov 22, 2005 IP
  10. daboss

    daboss Guest

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    #10
    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.
     
    daboss, Nov 22, 2005 IP
  11. Dekker

    Dekker Peon

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    #11
    I'd say that's a good thing though.
     
    Dekker, Nov 22, 2005 IP
  12. etechsupport

    etechsupport Peon

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    #12
    2checkout or worldpay ( beside paypal for US).
     
    etechsupport, Nov 25, 2005 IP
  13. cyclinder

    cyclinder Peon

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    #13
    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.
     
    cyclinder, Nov 25, 2005 IP
  14. etechsupport

    etechsupport Peon

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    #14
    Another good option for UK is chronopay.com
     
    etechsupport, Feb 15, 2006 IP
  15. caliguy80

    caliguy80 Guest

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    #15
    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.
     
    caliguy80, Feb 16, 2006 IP
  16. Corey Bryant

    Corey Bryant Texan at Heart

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    #16
    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.
     
    Corey Bryant, Feb 16, 2006 IP