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To many web users, PayPal is not the kind of pal they had envisioned when starting their online business. Long on track history but overwhelmingly unpopular among merchants and buyers one is left to wonder why PayPal has continued to grow.
Ignorance and lack of knowledge has a lot to do with
PayPal's growth. Many merchants are not aware of the
potential problems they can encounter depending solely on
PayPal for their online payment processing. That is, until
they encounter potential customers that won't use PayPal
to purchase their products or services. Or worse, they
have their PayPal merchant account suspended and funds
frozen without notice, effectively shutting down their
business.
 Image
taken 06/21/2005: If
you really want to get some idea as to the depth of
PayPal's unpopularity, you need only to do a search on
Google. Type in "PayPal
Complaints" and click enter and see what happens.
Over 335,000 results and still counting. No other online
merchant processor comes close to having this many
dissatisfied customers.
 Updated 01/09/2006: This image is from a Google search
done about 6 months after the first (above) was taken.
Obviously, things have not improved. 335,000+ results have
now increased to 1,180,000 listings for PayPal
Complaints.
 Updated
03/25/2006: Not even three months after the last update
things certainly haven't improved. There are now 2,070,000
listings for PayPal Complaints. That means the number of
complaints have almost doubled in a little less than 3
months and reflects a 600% increase in complaints in less
than a year. We have used them for approximately 5 years
and have had numerous problems with them. As of a few days
ago we finally decided enough was enough and began looking
for an online processor to replace PayPal.
You maybe one
of the lucky merchants or customers who are using PayPal
but it would be a very smart decision to look for a
replacement now...or at the very least add a 2nd or
possibly even a 3rd payment option to fulfill your online
processing needs. 'Phishing' is another reason many customers and potential
customers are steering clear of PayPal. Not that PayPal is
doing the 'Phishing', but they are certainly not making a
big enough effort to stop it. And why should they? They
are not 'Phishing' and they are not losing money. Only the
customer is. Virtually 100% of online 'Phishing'
associated with merchant accounts is done using the PayPal
name. And even seasoned web users are being scammed by
this technique.
Customers can eliminate most, if not all, of the 'Phishing'
associated with online purchasing by simply using a
different service. It is that simple! And there are plenty
of good alternatives to PayPal out there that are hungry
for your business. None are as big as PayPal and few have
been around as long as PayPal. But most are reputable and
offer a wide variety of services. And you most likely will
never receive any 'Phishing' messages using their names.
So make the change now, before it is too late. Our advice
is to avoid PayPal if at all possible. And we also would
advise you to offer two different online payment options,
with at least one providing you with the ability to accept
payments by check. And a word to the wise! No matter
which online payment processor you use, transfer funds
often to your bank account.
One last note. One of the best web
sites to find in-depth information about PayPal and the
tremendous and get a good idea regarding the
dissatisfaction among both merchants and customers can be
found at www.PayPalSucks.com.
Check it out and you will be enlightened.
Following, you will find the most complete listing
relating to online payment options. Brief outlines are
meant only to give you an idea of what they have to offer.
We would suggest taking the time to visit each site. Your
customers will thank you. And you will most likely
eliminate a lot of headaches in the process. As always,
you still need to use due dilegence when considering a
payment processor. Run a check on them in Google
similar to the one used for "PayPal
Complaints" to see if they have an
unreasonable number of complaints.
2CheckOut
2CheckOut has been offering its services since 1999.
2CheckOut charges $49.00 to open an account with
transaction fees of 5.5% plus 45 cents. It does not charge
an application fee nor does it impose any monthly or
statement fees.
http://www.2CheckOut.com
A1-Merchant-Account.com
All internet commerce merchants are provided an EZ-Payment Gateway, Buy_me Buttons and the I-store in addition to a merchant account. It's up to you how you plan to use these tools. Rates are as low as 2.39% and 30¢ per transaction.
http://www.a1-merchant-account.com/
ACH Payment Processing
ACH Processing is an electronic payment system that allows your business to save both time and money (ACH Processing explained). The ACH processing network will allow you to electronically debit and credit checking and savings accounts. We provide you simple to use, powerful, secure ACH tools that make getting paid easier for your business.
http://www.ach-payments.com/
 AlertPay
The AlertPay Premium account is perfect for buying and selling online with the option to do business under your personal name or under a company/group name (some business type restrictions apply). Send money easily and for free. Receive money from all your businesses to one account at a competitive rate of 2.5% + $0.25 per transaction.
AlertPay also offers a very unique "Unlimited Email Associations" exclusive. If you have multiple businesses online and want to show the appropriate name and payment email for each business but don't want to open multiple accounts you are allowed to associate multiple emails with your AlertPay account for that precise reason. All your payments will go into the one account, but you will know exactly which email that payment was sent to. Also you will be able to sort your payments by email allowing you to keep track of multiple businesses all in one account!
http://www.alertpay.com
Alliance Payment Technologies
The Versatility of the AllianceACHtm Web Gateway brings a myriad of uses to the business world. Alliance Payment Technologies designed this Secure Gateway for multiple uses including submitting single transactions, setting up recurring billing accounts, paying payroll through direct deposit, accepting checks on your web site, and batch uploads for large file submission. Virtually any business that has an Internet connection will find this service a highly valued addition to current payment acceptance methods
http://www.allianceach.com/
AuctionCheckout
AuctionCheckout is a credit card payment service providing discounted merchant services for sellers on eBay and other auction sites. Can be used with eBay, Yahoo, Overstock and the seller's own website.
http://www.auctioncheckout.com/
Authorize.Net
An Authorize.Net Payment Gateway account enables you to accept credit card and electronic check payments from your e-commerce Web site. Authorize.Net also provides an exclusive, fully integrated electronic check payment method,
eCheck.Net.
http://www.authorize.net/
BitPass
No set-up or maintenance fees for self-installed
product. Fees for BitPass Professional range from 15% for
items priced $0.01-$5.00 up to 5% + $0.50 for items priced
$5.00 and higher. BitPass provides a platform for digital
content commerce that bundles authentication, payment, and
access control. BitPass enables a la carte and
subscription-based purchases at any price point, starting
at just one cent. Digital content can be Downloads - Music
files, stock photography, games, software, movies, mobile
content, crafts; Website Access - Premium website content,
Interactive games, subscription sites, online comics,
blogs, interactive panoramic photography; Streaming Media
- internet radio, concerts, webisodes, movies; and
Services - premium database searches, web hosting
services, webinars, premium customer support, interactive
learning and testing.
https://www.bitpass.com
BT Buynet
BT is a fast flexible and secure credit and debit card processing service. You can take card payments over the WEB and by PHONE. BT Buynet accepts all major credit and debit cards. BT Buynet offers real time authorization and fast settlement. BT leads the market and employs the latest security technology: 3-D Secure, Verisign Certificates, Encryption and Firewall technology.
http://www.epayments.bt.com/
Cardservice International
Cardservice International, in business since 1988,
provides the expertise and reliability to enable merchants
to accept credit cards, ATM/debit cards and checks. Offers
free set-up and free application. Free Internet Processing
Software allows merchants to manually enter credit card
transactions via a PC browser, through a secure connection
to the Internet. Free Linkpoint VirtualCheck™ enables
customers to pay for their online purchases with a secure
electronic check. Call 1-877-891-8413 or email support[@]cardservicespecialoffer.com
for fee information.
http://www.995merchantaccounts.com/home
Cardservice Loud
LinkPoint® Secure Payment Gateway suite of products provides powerful business tools that are designed to improve payment processing and decrease the transaction time. They have specifically chosen products to help you, the small to medium-size business owner. Whether it is a point-of-sale terminal or mobile equipment, or in-store, their solutions help you organize your transactions, help manage a restaurant or run a mail order or Internet business.
http://www.merchantaccounts4less.com/
CCNow
CCNow is the perfect low cost solution to selling your
products online. With CCNow, you'll avoid the up-front
expense and time required to set up e-commerce software,
merchant accounts, customer service and more. CCNow is a
shopping cart system that will allow you to take all major
credit cards without the need of a merchant account.
http://www.CCNow.com
Charge.Com
Offers Free Setup, Free Shopping Cart Software, Free
Application, Free Internet Check Software, Free Technical
Support and Free Search Engine Submission. Transaction
fees of 2.39% plus 25 cents per transaction are reasonable
but they do charge a Bank Statement Fee of $10 per month
and a Payment Gateway Fee of $29.95 per month.
http://www.charge.com/index.shtml
ChargeGateway
The ChargeGateway system easily integrates into your website to enable you to process credit card payments quickly and cost effectively. The ChargeGateway solution supports multiple currencies and multiple languages and is available to merchants around the globe.
http://www.chargegateway.com/
CheckFree Corporation
CheckFree Payment for Online Retailers is an e-payment solution that enables online merchants to offer their customers an easy way to make purchases with their checking or money market accounts.
http://www.checkfree.com/
ChronoPay
As a full service payment processing company, ChronoPay offers businesses a wide variety of payments solutions, including transaction processing for credit cards, debit cards and Online checks. They also provide dedicated Merchant and Customer Support, with ChronoPay Support Representatives available24/7/365. Additionally, they offer all Merchants access to the tools and resources needed to implement E-commerce, as well as experienced technical support, the most effective antri-fraud system and other related Merchant and E-commerce processing services.
http://www.chronopay.com/
ClickBank
If you have a unique product or service to sell, and
it is deliverable over the Internet itself (via web pages,
files, or email) then ClickBank is for you. They have
100,000 affiliates ready to promote your product. There is
a one-time set-up fee of $50.00. Transactions are $1.00
plus 7.5%.
http://www.ClickBank.com
Credit Card Processing Services
Offering its services since 1996, it is one of the
oldest in existence. No application fee with instant
approval. Transaction fees are 2.29 % plus 30 Cents.
Monthly Customer Service Fee is $10.00 and Monthly Gateway
Fee is $19.95. There is also an Annual Fee (Charged within
90 Days of Activation) of $99.00.
http://www.mcvisa.com
DaoPay
World leader in telephone payment. Payments via voice and SMS. DaoPay adds your invoice to the customers phone bill. Your customers don’t need Credit cards, they don’t need a Bank account - all they need is a working Telephone. Include DaoPay in your web site and let people from around the world pay you. Sell them your content in the most flexible way existing on the planet today.
http://www.daopay.com/
DigiBuy
Using DigiBuy's ecommerce service, you can quickly and
inexpensively build a secure shopping cart to merchandise
your products, take orders online, process payments, and
distribute digital products over the Internet. Transaction
fee is 13.9% with a $3.00 minimum.
http://www.DigiBuy.com
EasyCharge
EasyCharge offers one of the better packages we've seen. It includes: A credit card merchant account for immediate transaction processing; Secure, encrypted, SSL (Secure Socket Layer) for secure transactions; Internet processing software allows you to instantly accept credit card payments in real-time over the Internet; A Web-based terminal for easy processing credit card orders manually; Accept all Major Credit Cards including Visa, MasterCard, American Express, and Discover; All funds are promptly wired into the checking account of your choice; Convenient online reporting and management of your transactions; No Application Fee; No Setup Fee; No Paperwork. Your application is quickly completed online; No Annual Fee; FREE American Express Setup; FREE Internet shopping cart for your web site; and FREE Search engine submission - they submit your web site to all of the major search engines.
http://www.easycharge.net
E-Gold
Worldwide electronic monetary/payments system. E-Gold is integrated into an account based payment system that empowers people to use gold as money. It costs nothing to open an e-gold account. There is no credit check. There is no minimum balance requirement. There is no concept of a "merchant account" in that all e-gold accounts may spend e-gold or receive e-gold payments. All e-gold account holders are Originators. When you direct a new user to the e-gold system using these links, they become your Progeny. You will be the beneficiary of incentive payments generated by the Progeny account.
http://www.e-gold.com/
Electronic Transfer
The Fast Charge Payment Gateway™ enables you to automatically accept, authorize and process secure credit card orders directly through your web site or virtual terminal. No software or hardware is required and you can process from any internet connection. Several other options are also available.
Fees are reasonable.
http://www.electronictransfer.com/main/
e-onlinedata
e-onlinedata is one of the nation's most trusted merchant account providers for US based companies. They offer a complete line of real time credit card processing solutions for Internet, Mail Order & Auction sellers. Their thousands of merchants vary in size from startups to billion-dollar companies.
http://www.e-onlinedata.com/
Etransactus
etransactus provides a suite of business software that incorporates the concept of "Straight Through Processing" (STP), which is a seamless electronic process that encompasses the entire life of a customer's order, end-to-end from acquisition through to delivery and collection of payment. With STP, data is entered just once and is then instantly available everywhere down the line.
http://www.etransactus.com/
FirePay
FirePay is the Internet's fastest-growing alternative to credit card payments. Catering to merchants whose consumers may not be able to make transfers by credit card, FirePay is a fast and easy option that has been adopted by hundreds of thousands of consumers. FirePay's very simple sign-up and fund process for first-time users means that consumers can return to your site within minutes.
http://www.firepay.com/
Free-Merchant.com
Online application is free as is the Credit Card
Processing Software. Free-Merchant.com has been offering
services since 2001. Transaction fees of 2.39% plus 25
cents per transaction are reasonable but they do charge a
Bank Statement Fee of $10 per month and a Payment Gateway
Fee of $19.95 per month.
http://www.free-merchant.com
Free Merchant Source
Free Merchant Source is a merchant account internet
provider for real-time or batch credit card processing
services. They offer complete merchant account services
that enable you to begin processing credit cards
immediately. Provides FREE Terminals, FREE Software
combined with $0 Application Fees and $0 Set-up Fees.
Transaction fees of 2.49% plus 35 cents per transaction
are reasonable but they do charge a Bank Statement Fee of
$10 per month and a Payment Gateway Fee of $20 per month.
http://www.freemerchantsource.com
GatewayFast
By accepting online payments (checks and credit cards) in real-time from your company website you can increase your net profits. The Pay-Me-Now gateway provides state-of-the-art payment solutions for your business website. By adding our online check acceptance solutions, you can most likely lower your cost of accepting payments online. Normally the cost to process an online check is much more favorable than accepting a credit card payment. When you accept credit cards, having your own merchant account provider can give you the benefit of your own financial institution to protect you and your customers.
PayPal, ProPay and others will not do that for you!
http://www.gatewayfast.com/index.html
GottaPay
The fast, low cost & truly international way to start accepting online payments instantly. All you have to do is sign up for a GottaPay account and in minutes, you will be processing. GottaPay offers a variety of funding options, by credit card, check, PayPal, 900 Pay, or E gold. GottaPay gladly accepts all types of sites without you ever having to worry about your account getting closed or frozen. Claim that they will never close anyone's account unless it is due to spam or fraud.
https://gottapay.com/
Graphcard
Graphcard acts as a means of payment for 1/3 (250 million) internet users in over 260 countries who don't have access to traditional credit cards. The market is projected to be one third of the world's 750 million internet users. Graphcard enables Internet users to spend cash online. At least a third of Internet users around the world do not have access to the traditional credit cards to pay with. Also those who have credit cards but prefer to pay by cash can do so securely online. Graphcard also has a patent pending algorithm that allows Graphcard members convert their fund to online Non personalized Visa prepaid debit card to make purchases online.
http://www.graphcard.com/
GreenZap
Touts itself as being your fun, fast, online payment portal that allows you to spend, send, receive, do just about anything with
money online. It offers a lot of options so we would suggest visiting their web site to review all. Would not recommend it as your primary option but it should be considered as a secondary option for handling payments.
http://www.greenzap.com/default.asp
Ibill
In business since 2002, Ibill is perfect for merchants
that sell services and subscriptions. Merchants can accept
payments online by credit card, check, and phone. Has
numerous fee schedules but the most common is for
businesses that sell up to $9,999.00 in a billing cycle.
That charge is 15.19%.
http://www.ibill.com
Ikobo
This is a money transfer service that has been
providing services since 2001. No application fee or
set-up fees and transaction fees range from $1.99 - $2.99
plus 29 cents. Payments that are received are deposited to
your Ikobo Visa Debit Card or your bank account.
http://www.IKobo.com
InChek
Offers a full range of electronic merchant services, providing flexible, convenient, and comprehensive solutions for your company. They can customize programs for both your credit/debit card and check processing needs, reducing your costs across the board and improving customer service.
http://www.inchek.net/
Kagi
Kagi is the Merchant of Record and provides extensive, patented payment processing suitable for local and global markets. Claims to have more payment options than anyone else. Offers Shopping Cart Software with flexible and easy capabilities that get you up and selling fast. And whether you sell software or housewares Kagi has solutions to support you.
http://www.kagi.com/index.php
Merchant Experts
They offer ecommerce merchant accounts for International and Domestic transactions to give you an enormous client base. Online merchant account specialists are available to answer any questions you have about taking your business online. As a prospective Internet merchant, you will fall into one of two categories: experienced or novice. In either case, you are going to require the same tools in Internet merchant accounts to succeed. No application or setup fees and claim to have the lowest rates in the industry.
http://www.merchantexperts.com/
Merchant Express
Claims that it can setup your business with a merchant account to accept all major credit cards and bank ATM Debit cards, at the lowest possible cost.
http://www.merchantexpress.com/
Moneybookers Ltd.
Moneybookers enables any business or consumer with an
email address to securely and cost-effectively send and
receive payments online – in real-time! Moneybookers
delivers a product ideally suited for small businesses,
online merchants, individuals and others currently
underserved by traditional payment mechanisms. Does not
charge for set-up or applying and has no monthly fee.
Transaction fees range from 2% - 8%, depending on how
payments are made.
http://moneybookers.com
Money Tree Merchant Services
Money Tree Merchant Services offers several credit card processing software programs to enable businesses to process transactions online. Some packages include processing software, shopping cart, and a virtual terminal.
http://www.cardpay.net/
MonPay
Monpay has been doing business since 2003. With it,
you can sell products and services on web sites, auctions,
and even by email. It does not charge for set-up or
applying and has no monthly or hidden fees. Transaction
fees for checks or credit cards are 2.95% plus 55 cents.
http://www.monpay.com/
Monster Merchant Account
Monster Merchant Account is an online merchant account provider for real-time or batch credit card processing services. Their complete merchant account services enable you to begin processing credit cards immediately.
http://www.monstermerchantaccount.com/
Pay66
This service allows any individual or business with an email address to securely, easily and quickly send and receive payments online. It does charge an annual fee of $19.99 but we still believe this is a pretty good service. Opening an account is free, sending money is free, and receiving money is free. There are a few fees for unusual services but they are very reasonable.
http://www.pay66.com
PayByWeb
For more than 14 YEARS, Paybyweb has provided merchant services to companies large and small. From start ups and home based businesses to companies you have likely heard of....such as: AAA Motor Club, Investor's Business Daily. Companies such as Olan Mills Portrait Studios, Jenny Craig, Allstate Motor Club, Glamour Shots, Montgomery Ward, and THOUSANDS of other companies worldwide have utlized Paybyweb's merchant services, since 1992. You can start accepting Credit Cards for your website, or business with your OWN merchant account. Why use Paypal or a 3rd party account when you can have it all in YOUR name. YOUR business name shows up on your customer's statement. The way it should be.
http://www.paybyweb.com/
PayDotCom
Offers affiliate marketing program which is integrated with your PayPal or StormPay account. And because of these limited affiliations we cannot
recommend it at this time. We've already discussed the numerous problems with PayPal and StormPal just ceased operations (March 24, 2006). If PayDotCom offers a few other payment processors we would highly recommend this service.
https://paydotcom.com/homepage.php
PayMate
Claims it is the fastest and safest global trading
service on the Internet. It has no set-up fees, gateway
fees, etc. Has a very high User Satisfaction and continues
to add new improvements on a regular basis. Transaction
fees for credit card payments are charged at 2.4%. Please
visit their web site for more information on transaction
fees.
http://www.paymate.com.au
Payment Online
Payment Online's solutions are designed to provide you with a single-source online payment system for your complete ecommerce needs, all-in-one solution including merchant account. They offer no-hassle merchant accounts through their 7 merchant account providers. The VISA/Mastercard rate varies from 2.1%-2.3% depending on product type being sold online. Additional fees may apply. Your Internet Merchant Account program will provide details of any additional fees, if it applies.
http://www.paymentonline.com/
http://paypalsucks.com/
Paynet Systems
Merchant Services include access to all major credit cards and regional debit networks, cutting edge Check Guarantee Services with electronic deposit, and point-of-sale solutions that are priced not only to be competitive but also unbeatable!
http://paynetsystems.com/
PaySat
With PaySat you can sell your products/services Online
and enjoy such features as: International Merchants
Accepted; Instant Application Approval; Product and
Recurring Billing; Easy To Use Plug-N-Play Code; Flat Low
Rates; No Set-up Fee; Multi domain/brand support; and
Intelligent Fraud Detection System. PaySat is only in its
2nd year of operation but has a pretty good reputation.
Transaction fees are 5.3% plus 39 cents.
http://www.paysat.com/main.aspx
 Paystone
Great service that started in 2002. Free to open an
account with instant approval. Fees to receive payments
range from 2.8% + $0.10 for micropayments to 2.8% + $0.30
for transactions over $5.00. There are no set-up or
monthly fees. Paystone offers you the ability to receive payments from $0.25 to $1000 easily, securely and inexpensively.
http://www.paystone.com
PaySystems
PaySystems Internet Merchant Account Solution is
designed to meet the specific needs of Internet and
mail/telephone order merchants. Available for U.S. and
European-based businesses, the PaySystems Internet
Merchant Account Solution allows merchants to expand their
payment options, increase sales and focus their management
efforts on growing their business. PaySystems has no
application fees and no merchant account set-up fees.
Offers highly competitive rates on transaction fees but
you must contact them using their online form at http://eforms.paysystems.com/ps/info/
for more information.
http://www.paysystems.com
PPPay
PPPay is an online payment system that enables businesses and individuals who are trading online to send and receive escrow and instant payments in GBP's, Euro's and US Dollar using Visa and Mastercard debit and credit cards.
http://www.pppay.com
Premier Payments Online
(Site Comments) Premier Payments Online is the premier payment services provider dedicated to providing online businesses with payment processing and merchant support services. Whether your business processes tens of credit card transactions per month or millions, Premier Payments Online can assist. Our company objectives are to assist clients in acquiring merchant processing ability and providing cutting-edge turnkey technology to process credit card transactions via the web.
Could not find fee structure online. If interested, you can email them at sales@premierpaymentsonline.com
for more information.
http://www.premierpaymentsonline.com/
ProPay USA
With ProPay, merchants can accept payments by credit
card on the Internet and by phone. There is no expensive
equipment, no statement / gateway fees and no long term
contracts to use their service. Annual fees range from
$34.95 - $299.95 with transaction fees ranging from 3.50%
plus $0.35 to 2.69% plus $0.25, depending on the type of
account you desire.
http://www.ProPay.com
QuickCommerce by E-Commerce Exchange
Designed for any level of e-commerce vendor, this five-star rated payment solution is particularly well-suited for the smaller, entry-level vendors that may not have a lot of experience with e-commerce.
http://www.qc123.com/qc/websitezone/
RegNow
RegNow is the software industry’s premier
registration commerce provider. RegNow makes running a
successful online shareware or software publisher business
easy by putting a highly advanced platform, customizable
technology and powerful resources right at your
fingertips. No charge to apply but there is a one-time
account activation fee of$9.95 and transaction fee is 16%
with a $2.00 minimum charge.
http://www.regnow.com/
RegSoft.com
In business since 1998, RegSoft.com provides an easy
system for users to pay for software and data licensing
fees by providing a variety of payment methods. There is a
one-time set-up fee of $50.00 and transactions are
processed at 8.9% with a $3 minimum.
http://www.regsoft.com
SECPay
SECPay provides one of the most cost effective card authorization solutions available by offering a fixed rate or percentage based tariff. For merchants selling high value goods or services they recommend choosing their fixed rate tariff which keeps transaction charges to a minimum. Their system includes multi-currency functionality, and an integrated virtual terminal. Technical support is 24/7/365 and a free service. SECPay clients include entrepreneurs, SMEs, charities and large blue chip organizations.
http://www.secpay.com/
share-it!
share-it! is used by over 30,000 Software Publishers
for their e-Commerce Solution. share-it! works on a
commission basis. In other words, after licensing your
program, they retain a service charge of either USD/EUR*
2.95 + 5% (Pricing Model A) or 14.9% but no less than USD/EUR*
2.50 (Pricing Model B) and ) and forward the remaining
amount to you.
http://www.shareit.com
 StormPay
Please Note: StormPay can
no longer be recommended! As of March 24, 2006 StormPay ceased
offering processing for online payments. That is, except for products offered
through its auction services. After reading the policy that was incredibly
difficult to decipher, I would not suggest using even that remaining service.
Read more here...
SWREG
SWREG, the oldest online software store in the world,
has been in existence since 1987. All their prices include
credit card processing on their merchant account.
Technically, you sell to SWREG on consignment and they
sell on to the end user. SWREG accepts Micro Payments for
69 cents for items to $7 in value. Default discount is $1
+ 6% with a minimum fee of $1.50 (2% surcharge for
American Express). This account will be charged a $20
monthly fee with the first payment to you each month made
with no transmission costs (free wire for instance). Visit
http://www.swreg.org/pricing.htm
for complete pricing information.
http://www.swreg.org
Total Merchant Services
Offers a comprehensive line of payment solutions for your business- credit card acceptance, debit cards, and check acceptance - for all types of businesses including retail storefronts, restaurants, hotels, service companies, wireless merchants and mail, telephone or Internet order businesses. Rate and fee structure is the most competitive in the industry.
http://www.lowcost-totalmerchantservices.com/
Total Payment Solutions
Total Payment Solutions boasts that it is the perfect
answer for charge card processing and Mail Order, Phone
Order, and Internet merchants. No charge to apply or
set-up but there is a Payment Gateway fee of $10.00 per
month and a Bank Statement Fee of $10.00 per month.
Transaction fee is 2.30% plus 30 cents, which is
reasonable.
http://www.totalpaymentsolutions.com
Total Web Solutions
E-Commerce Plus provides the most cost-effective and secure way to enable you to clear credit card transactions immediately, from your website. Real-time transactions make e-commerce easier and more efficient for you and your customers, saving you time and money, and improving customer service. E-Commerce Plus automates most of the transaction, management and administration you may currently do yourself, and it negates the need for offline credit card terminals which could remove costly monthly rental fees. Total Web Solutions 'E-Commerce Plus' Solution comes with transaction fees as low as 1% because of their direct relationships with credit card Clearing Banks – Streamline (Natwest and Royal Bank of Scotland), Barclaycard Merchant Services and HSBC. Most web hosting companies that offer e-commerce services, do so by using a third party clearing company which inevitably increases the cost to their customers.
http://www.totalwebsolutions.com/
U.S. Merchant Systems
U.S. Merchant Systems provides its online merchant account clients with electronic payment gateways from several companies, including Authorize Net, Intellipay and
Ezic.
http://www.usms.com/usmsdefault.htm
Velocity Payment Gateway
A Velocity internet merchant account will allow you to process credit card payments online, by mail order or over the telephone. Credit card payments can be taken easily by call centers, or on the move from a laptop, PDA or mobile phone. Use their proven tools to minimize your risk and protect your online venture from fraud. Velocity Merchant Services accepts Merchant Account Applications from merchants categorized as high risk. These include: Internet Gambling, Internet Gaming, and Online Pharmacy.
http://www.velocitypay.co.uk/
Wire Card AG
Wire Card AG is one of Europe's leading providers of payment systems, risk management and communication services. The company offers customers a wide range of payment options (credit card and debit card, direct debit, bank transfer, invoicing, and cash in advance) as well as CLICK2PAY, an alternative Internet-based payment solution. In addition to handling transactions over the Internet, the software platform seamlessly integrates all sales channels includes Call Centers and conventional POS.
http://www.wirecard.com/
Xcoin
Xcoin is simple to use. Managing small payments through Xcoin is very similar to sending and receiving email messages. You only need a valid email address and an Internet connection to request or send funds online. Our web-based online solution enables our customers to perform financial transactions in a secured 128-bit SSL encryption Internet environment. Unlike traditional methods, sending, requesting and viewing payment transactions can be done from anywhere you have Internet access.
https://www.xcoin.com/
Other Options Worth Looking At:
Acceptiva at http://www.acceptiva.com
ACH by Electracash at http://www.electracash.com
All Options at http://www.alloptions.com
Barclaycard Business at http://www.barclaycardmerchantservices.co.uk
Bibit Global Payment Services at http://www.bibit.com
BillingFrance at http://www.billingfrance.net
BluePay at http://www.bluepay.com
Bucks Net Services Limited at http://www.bucks.net
BuyerZone at http://www.buyerzone.com
Card444 Virtual Payment System at http://www.money-around-the-world.com
CI-Card Limited at http://www.ci-card.com
ClearCommerce at http://www.clearcommerce.com
Commerce Payment Systems at http://www.commercepaymentsystems.com
CyberSource at http://www.cybersource.com
DataCash at http://www.datacash.com
Direct Connection CCS at http://www.directconnectionccs.com
eCharge Corporation at http://www.echarge.com
eDough at http://www.edough.com
Electronic Clearing House at http://www.echo-inc.com
ePDQ at http://www.epdq.co.uk
Express Merchant Processing Solutions at http://www6.empsebiz.com
FreeAuthNet at http://www.freeauthnet.com
GoEmerchant at http://www.goemerchant.com
HSBC Bank Secure ePayments at http://www.hsbc.co.uk/1/2/home
IntGold at http://intgold.com
iTransact at http://www.itransact.com
Merchant Advisors at http://www.onlinecheck.com
Merchant Warehouse at http://www.merchantwarehouse.com
MSI Merchant Services at http://www.merchantservices.com
NetBanx at http://www.netbanx.com
NetBilling Services at http://www.netbilling.com
NetPayments at http://www.netpayments.co.uk
NETELLER at https://www.neteller.com/home/index.jsf
NOCHEX Online Payments at http://www.nochex.com
Optimal Payments at http://www.optimalpayments.com
Pago at https://www.pago-international.com
PayByCheck at http://www.paybycheck.com
PayingFast at http://www.payingfast.com
PaySwiss at http://www.payswiss.com
Peppercoin at http://corp.peppercoin.com
Protx at http://www.protx.com
Qchex at http://www.qchex.com
QuickSales at http://www.quicksales.com
Remark International at http://www.remarkinternational.net
SafePay Solutions at http://www.safepaysolutions.com
Secure-Bank at http://www.secure-bank.com
securetrading at http://www.securetrading.com
Superior Merchant at http://www.superiormerchant.com
VeriSign at https://www.verisign.com/verisign-business-solutions/merchant-service/index.html
WorldPay at http://www.worldpay.com
World Wide Direct Processing at http://wwdp.us
Ymogen at http://www.ymogen.com/index.html
Other Services Of Interest:
InternetCash at http://www.internetcash.com
Online Escrow at http://iescrow.com
This article was originally
published by The Business Junction on June 21, 2005. It
has been revised several times, the most recent revision
being March 28, 2006.
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