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  1. #1
    "An Englishman In New York" TJ's Avatar
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    Credit Card Processors - Who do you use?
    I know this thread comes up again and again, but I wondered who everyone is using today and why.

    I use 2co for my hosting sales, but hate the $100 minimum before payout. I love the one-time fee for signup and the $0 monthly fee, and can live with the percentage they charge.

    I'm actually looking for another service, that will hopefully integrate with oscommerce (or a clone of the same) I hear good things about authorize.net, but don't want to pay a monthly charge at this point.

    Thanks for any suggestions
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  2. #2
    ABW Founder Haiko de Poel, Jr.'s Avatar
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    I use/have used, in this order:

    2CO
    Paypal
    Authorize.net

    ... and there are reasons for it if that helps any, if not - you know my number.

    Authorize is the best company out there, watch out for the resellers some are real butheads.
    Last edited by Haiko de Poel, Jr.; January 29th, 2006 at 02:51 AM. Reason: typo
    Continued Success,

    Haiko
    The secret of success is constancy of purpose ~ Disraeli

  3. #3
    ABW Ambassador
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    If the $100 min bothers you, you probably are not going to be up for a more full featured processor yet. Until then, 2co is an evil you have to live with.

  4. #4
    ABW Ambassador JJJay's Avatar
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    Paypal and 2CO here, before 2CO I used clickbank, I'm international so I don't have many options. I started the same thread back in 2003,

    http://forum.abestweb.com/showthread.php?t=30644

  5. #5
    Resident Genius and Staunch Capitalist Leader's Avatar
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    Quote Originally Posted by TJ
    Credit Card Processors - Who do you use?
    Authorize.net. Nice and hash-free, and the money settles quick. Once you experience that speed, it will seem like you're waiting just "for-e-ver" for the CJ deposit...

    that will hopefully integrate with oscommerce (or a clone of the same)
    That part's actually a snap with ZenCart (which is a branch off of OSC). There's a module...you just type in your connection info and bingo. OSC itself probably has something similar.

    You should probably first check out OSC (or clone's) modules/options to see what it will support, rather than going for a provider first and hoping it'll fit.

    but don't want to pay a monthly charge at this point.
    It'll probably lower the DiGel bill if you do... I've read lots of horror posts about PayPal and 2co.

    (Plus, it looks so not-really-serious if you don't have your own cart!)

    Offsite cart = some dude selling a few things on the side
    Actual, onsite cart = A Merchant!

    I figure it's worth the investment for the image and consumer trust issues.

    You do need a secure cert with Authorize, but there's lots of options for that and all kinds of price ranges. Thawte and VeriSign don't have a chokehold on that market.

    Quote Originally Posted by Haiko
    watch out for the resellers some are real butheads.
    I'll ditto that.
    There is no knowledge that is not power. ~Hemingway

  6. #6
    Devil's Reject Electropulse's Avatar
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    I use paypal and merchantplus.

  7. #7
    "An Englishman In New York" TJ's Avatar
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    All good advice, thanks everyone.... I'll call you when I'm ready to go the authorize.net route H... I've heard good things about cdg commerce, perhaps I'll try them
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  8. #8
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    Just wanted to mention that CNG Processing also is a good option. I'm working for them and the company has one of the most secure billing systems on the net (now also PCI complient), low rates, all the functions you'll need and a very good service. They are ready to help you get merchant a account if you haven't already got one and much more. You can go to the website for more information ( www.cngpro.com ) or contact them directly at "sales at cngpro.com" or "pr at cngpro.com"

    Brgds,
    Martin

  9. #9
    AM Navigator Geno Prussakov's Avatar
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    No, Martin. No. Three posts and all about the same thing:

    http://forum.abestweb.com/showpost.p...9&postcount=18
    http://forum.abestweb.com/showpost.p...37&postcount=2
    and the above one...

  10. #10
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    Quote Originally Posted by Geno Prussakov
    No, Martin. No. Three posts and all about the same thing:

    http://forum.abestweb.com/showpost.p...9&postcount=18
    http://forum.abestweb.com/showpost.p...37&postcount=2
    and the above one...
    Sorry, I did not mean to spam or anything.

    Cheers,
    Martin

  11. #11
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    Paypal and 2co should be first choice for US merchants and if you are incorporated in UK/other european country you should give first choice to ChronoPay and 2nd choice to worldpay.

  12. #12
    AM Navigator Geno Prussakov's Avatar
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    Quote Originally Posted by Steve32
    Paypal and 2co should be first choice for US merchants and if you are incorporated in UK/other european country you should give first choice to ChronoPay and 2nd choice to worldpay.
    What's wrong with PayPal.co.uk?

  13. #13
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    You may want to try out FastTransact. (www.FastTransactOnline.com) They do international processing, and support Verisgn, Authnet, and EZIC/VeloCT gateways. They have an integrated system so you don't need to deal with outsourcing issues. Their customer service is great and their rates are really competive and don't charge hidden fees.

    Starlink

  14. #14
    OOOPS just realized was an old POST, LOL GethsemeneRose's Avatar
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    I was approached by Startup Essentials they claim to offer credit proccessing and they also help to set up a dropship website for you. Anyone heard of them before (I tried to search for it here but startup and essentials gets to many posts to dig through LOL) they want what I consider a lot of money to get in with them and a long term contract.
    :gnome: [URL]www.gethsemenerose.com[/URL] :gnome: As for me and my SITE we shall serve the LORD!

  15. #15
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    I use Authorize.net since it cost only $7 a month at www.unitedbankservice.com. Deposits are normally 48 hours into my personal bank account.

  16. #16

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    UnitedBankService looks like a template site.

    There are lots of authorize.net vendors including major ones like charge.com (no application or setup fees), etc. but I would start with Authorize.net to begin with and their site. Charge.com does use another virtual terminal too, I forget the name of it.

  17. #17
    ABW Ambassador Sam Bay's Avatar
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    a best biz? funny.

  18. #18
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    I would recommend checking costco.com or unitedbankservice.com. I am pleased with both accounts the last 2 years, retail with costco and authorize.net with unitedbankservice.com.

  19. #19
    Full Member Zdig's Avatar
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    I'm now seriously considering Authorize.net...

    Can anyone recommend a good Authorize.net reseller?

  20. #20
    Full Member Zdig's Avatar
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    Quote Originally Posted by jeankeig
    I would recommend checking costco.com or unitedbankservice.com. I am pleased with both accounts the last 2 years, retail with costco and authorize.net with unitedbankservice.com.
    FYI everyone, I've seen a suspicious number of 1 post users at several forums recommending unitedbankservice.com. Buyer beware.

  21. #21
    "An Englishman In New York" TJ's Avatar
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    Quote Originally Posted by Zdig
    Can anyone recommend a good Authorize.net reseller?
    Checkout CDG commerce, they've been around a while
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  22. #22
    Full Member Zdig's Avatar
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    Quote Originally Posted by TJ
    Checkout CDG commerce, they've been around a while
    thanks, i'll look into them also.

    as part of my due-diligence, I called paypal and asked the sales person some simple questions...and she could not answer them. after some research of my own, I got my answers. From what I can tell, paypal support sucks big time, and if you use paypal, you'll be fending for yourself...or is there some premium support # I don't know about? Not to say that paypal is necessarily bad (I use them frequently for personal payments etc..) but using them as a merchant, I dunno about that...

  23. #23
    Affiliate Manager cbsturg's Avatar
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    I've posted this elsewhere, but I'll repeat it here: I HATE PayPal. Life has been much better with a real processor - Authorize.net has been great. I've been using iPayment as a reseller, and haven't had any problems with them. There are a lot of business types they won't accept (it's their underwriter who wants nothing to do with them), but if you're not one of those guys, the rates are pretty low.
    Chris Sturgill
    "All my life I've had one dream, to achieve my many goals." - H. Simpson

  24. #24
    Full Member Zdig's Avatar
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    Quote Originally Posted by cbsturg
    I've posted this elsewhere, but I'll repeat it here: I HATE PayPal. Life has been much better with a real processor - Authorize.net has been great. I've been using iPayment as a reseller, and haven't had any problems with them. There are a lot of business types they won't accept (it's their underwriter who wants nothing to do with them), but if you're not one of those guys, the rates are pretty low.
    do you hate PayPal in general, or just as a merchant? just curious...

  25. #25
    Affiliate Manager cbsturg's Avatar
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    PayPal Sucks
    Quote Originally Posted by Zdig
    do you hate PayPal in general, or just as a merchant? just curious...
    I just hate PayPal. I didn't mind them until they decided, on two occasions, to hold onto my money for large periods of time (for details, you can read my previous post on why PayPal sucks).

    As a merchant solution I think PayPal is laughable. If I'm looking to buy something, and I'm redirected to a PayPal cart, I almost always choose to make that purchase from another company - even if it costs me more. A PayPal checkout does not instill confidence in me - not so much in providing a secure payment, but in the merchant who can't afford to pay for a real processor. I run several small-time operations, and I'm honest about that, but I make sure that visitors to my site feel good about what they're doing. To me, PayPal = crap.

    I have actually toyed around with the idea of creating a company that would go heads-up with PayPal. Though I wouldn't offer a merchant solution (see notes above). I would just like to have an alternative way of sending money to people online.
    Chris Sturgill
    "All my life I've had one dream, to achieve my many goals." - H. Simpson

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