US-Based Merchants --- What CC Processing Do You Use?

Discussion in 'Payment Processing' started by Hijynx427, Dec 10, 2010.

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  1. #1
    I see A LOT of folks from India here that have A LOT of trouble with payment processing so I'm trying to avoid it all ENTIRELY.

    Folks here in the United States of America -- What payment processors do you prefer? Why do you use them?

    I guess the best question I can ask here --- What about a payment processing company makes a US merchant inclined to want to use them?
     
    Hijynx427, Dec 10, 2010 IP
  2. mohsinrizwan

    mohsinrizwan Well-Known Member

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    #2
    try authorize.net best payment processor.
    or you can try instabill
     
    mohsinrizwan, Dec 17, 2010 IP
  3. Danzil

    Danzil Peon

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    #3
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    Danzil, Dec 21, 2010 IP
  4. Corey Bryant

    Corey Bryant Texan at Heart

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    #4
    Authorize.net is just an electronic payment gateway (like Quantum, Payflow, 2000charge.com, etc). You still need a merchant account.

    First Data is one of the larger ones, along with Chase / Paymentech. However, with the larger ones, you sometimes lose out on the customer service and you might have a contract.

    Look around at a few of them - depending on your volume, you might be able to get a lower discount rate or a few basis points over interchange if volume is really high. The gateway should not charge you any transaction fee - there might be a monthly fee though. For example, some agents / partners of ISOs can offer you Authorize.net 250 free transactions and then charge you maybe a dime for each transaction after that. This is on top of what the merchant account provider will charge you.
     
    Corey Bryant, Dec 23, 2010 IP