Thread: What is the best merchant processing solution?

If you want to take credit card orders (or pre-orders), what is the best merchant processing solution?

it's depending on your business, most online Payment processors does't accept Adult,gambling,Pharmacy,dating related Vendor account applications. there are lot's of payment gateways available. ask google!

I've heard the PayPal and Google Checkout will freeze your funds if even a single person complains about your service to them.

Yep, if buyer filled a complaint against this transaction, then merchants will hold your payment, when you solve buyer case then you will get your fund.

Originally Posted by smookedtrout

If you want to take credit card orders (or pre-orders), what is the best merchant processing solution?
I've heard the PayPal and Google Checkout will freeze your funds if even a single person complains about your service to them.

If you don't care about the customer leaving your site:
Amazon Payments (underrated in my opinion)

PayPal
Google Checkout

If you need to seamlessly integrate a payment form in your site:
-PayPal Payments Pro ($30/month for a virtual terminal and API integration, no contracts, 2.9% transaction, it's really hard to find a merchant company that can beat this unless you're talking in volumes).
-Authorize.net coupled with the merchant company of your choice.
When evaluating a merchant company, beware of contract stipulations, transaction fees, and monthly fees. My first provider was Cardservice International (one of the largest) and I used LinkPoint for the online gateway. I was paying $60-80/month just for the service! (transaction fees excluded) AND I was locked in a 2-year contract with an insanely high cancellation fee. One of their fees was a mandatory $20 "customer service fee" for access to their 24/7 customer service team. (WTF?)
Just be careful when evaluating merchant companies. Try starting at your bank (as long as it's not Chase, BoA, or Wells Fargo). Generally, local community banks or credit unions will have fair pricing and good customer service for merchants.

I use paypal without any problems. There is 2checkout as well which is pretty good.

why don't you try plimus,clickbank,authorizenet?

Protection is the order of the day in web related transactions and one has to be very careful while making transactions across the web.

You may be able to get around it by taking an authorization and not actually charging them until you ship the product, but the authorization only holds for a certain amount of time so probably won't work for you. Or you can sell a gift certificate or something else that you can deliver immediately that can be redeemed for the product when it's available. This can get tricky and you should research it carefully before going down this path. If you're looking to take pre-orders, be very careful. Most credit card processors don't allow this.

Google check out is a very safe method that is used in transaaction. It is also fast and effective. I do not know about the other advantages of google-checkout.

I use FastSpring and really appreciate it. Easy to manage and great support.

hello try imerchant.com/webmaster.cgi