Help please with online payment

[kess]

Hi

Can any one please, please help me with some advice on the basics of how to receive credit card payments online??

I am currently getting a web site developed which will need people to pay by credit card, but i am not too familiar with the ins and outs of how online payments work.

Can anyone please be kind enough to explain the different methods of receiving payments online from customers, the different type of systems that exist out there and the factors i need to take into account while developing my website for online payment?? I am based in the UK if that makes any difference?? Any links etc. wil be appreciated.

Thanx a million in advance.

kind regards

Kess

[akashik]

These are probably the simplest to use:

http://www.revecom.com (paysystems)
http://www.2checkout.com
http://www.paypal.com

My personal preference is revecom. We've used them for over 2 years, and still use them even though we have a full blooded merchant account. Set up costs are low, the first two do recurring billing if you need it, and revecom at least, transfers funds on time every week. :)

Greg Moore

[Design R]

Kess, also look into:

Worldpay: http://www.worldpay.com/uk
Sec Pay: http://www.secpay.com/
Datacash: http://www.datacash.com/
Secure Trading: http://www.securetrading.com/
Net Banx: http://www.netinvest.co.uk/ncr/netbanx/

When you are setting a price for your products/ services, you need to take into account the transaction costs that they may charge and include this in your final price.

Hope that helps

[Jaiem]

What kind of things are you selling?

If you're selling products you'll need a shopping cart system.

[bizpayment]

I just made a website that explains everything about payment processing on the Internet. You can check it out at http://www.payment-processing-help.com. This website is dedicated to help people like you, Kess. I hope you find it useful and can begin to accept credit cards on your site right away!

[akashik]

Mod note:

I checked out the site listed above, and while the link should probably be removed for breaking the self promotion rule, it does contain some general information that may help other people.

Be aware though that links listed on this site are often hidden affiate program links, so information contained in it should be considered under that light, and may contain bias.

bizpayment:
Welcome to the forums. Please make sure you're well versed in the rules of the road here, and enjoy our little community

Greg Moore

[bizpayment]

I knew that I was taking a risk by placing my website link on a forum, but I was desperate to promote it. I am sorry for breaking the rules, and I will take it into consideration for the next time I write. I just thought that I could help this person through my website because I myself had problems with payments on the Internet, so I wanted to share that knowledge with other people. As you well pointed out about the affiliate links, I also want to make some money on the Internet, but I have tried to gather the best payment processing services on the Internet. Although at times it seems like a lot of hype, I try to do my best to do it in the most objective way. Thank you akashik for being so understanding with me and not throwing me out of the forum and giving me another chance. Thanks for everything.

[theodore]

Originally posted by akashik
These are probably the simplest to use:

http://www.revecom.com (paysystems)
http://www.2checkout.com
http://www.paypal.com

[........]

Greg Moore

I would add www.ikobo.com to that list. My reason being the fact that I'm using it for sometime now and it's quite simple to use and so far there haven't been any major problems. Some minor ones with the account verification and raising of my limits but other than that it hasn't been to much of a headache.
Just my 0.02$

[sahtabir]

Originally posted by theodore
I would add www.ikobo.com to that list. My reason being the fact that I'm using it for sometime now and it's quite simple to use and so far there haven't been any major problems. Some minor ones with the account verification and raising of my limits but other than that it hasn't been to much of a headache.
Just my 0.02$

I don't know why you say that it was hard to raise your limits. Also you might not be aware of the fact that ikobo raised this month the limits from 250$ to 500$ for all the their clients and also for the new ones. Also for the new clients the first 500$ can be sent without any fee at all.

[theodore]

It may be because I did that a long time ago and things weren't working as smooth as they are today. Yes I know the limits have been raised for everyone to $500 and it's a good thing to. If they were like this at the time I signed up things would have been a lot easier for me. Anyway, it's good the service works like it's supposed to now. :cool:

[john2004]

Hi

I am based in the UK if that makes any difference?? Any links etc. wil be appreciated.

Thanx a million in advance.

kind regards

Kess

For UK I would suggest Barclays bank merchant services - http://www.barclaycardmerchantservices.co.uk/ . They have ePDQ service (http://www.barclaycardmerchantservices.co.uk/epdq/index.html). Also you can find more companies at http://www.merchantseek.com/uk-merchant-account.htm.

Wish you success
John, ExtCart Shopping Cart (http://www.ext-cart.com)

[theodore]

You may also want to give ikobo a look. It's not specific for the UK, but their coverage is worldwide so I guess you could say they're specific for anyone. I'm using them for a while and can't complain so far.

[Adam_F]

Hi

Can any one please, please help me with some advice on the basics of how to receive credit card payments online??

I am currently getting a web site developed which will need people to pay by credit card, but i am not too familiar with the ins and outs of how online payments work.

Can anyone please be kind enough to explain the different methods of receiving payments online from customers, the different type of systems that exist out there and the factors i need to take into account while developing my website for online payment?? I am based in the UK if that makes any difference?? Any links etc. wil be appreciated.

Thanx a million in advance.

kind regards

Kess
I would recommend PayPal if you are just starting.

Best of luck with your new venture! :good:

Adam.
Teach Yourself Oracle 8 In 21 Days (http://www.webbasedprogramming.com/Teach-Yourself-Oracle-8-In-21-Days/)
Moving to a New Web Host (http://www.websitehostingarticles.com/movinghosts.html)

[sahtabir]

ikobo offers the possibility to withdraw your money fast by using an iKard (international Visa electron debit card) so you don't have to own a bank account. Also ikobo charges you only 3% per transaction and the signup is free. Do you still think paypal is good if you are just starting ? ;)

[theodore]

Eh well with paypal you get the advantage of popularity as well as the possibility of fraud. :p
Ikobo is less-known but with better coverage than paypal as well as offering the ikard feature. The fees are just a little bit smaller than with paypal.

[sahtabir]

I think ikobo is also a lot faster when transferring the money from one ikobo account to another. They say it take max 10 seconds to appear in your account. After that you can go to the ATM and withdraw them. It would be very nice if we could receive ikobo's notifications by SMS. ;)

[theodore]

Well, on the speed part, there's nothing to complain about. It really is as fast as they say it is.
About SMS notifications... maybe you should suggest it to them, who knows, they might listen and even give you a prize; I've read there's a contest going on about the best suggestion to improve their services. :)

[tecknoh]

As stated previously, PayPal (http://www.paypal.com) and 2CheckOut.Com (http://www.2checkout.com) are two of the safest,
user friendly merchant services you can find on the net.

You will have to weigh the pros and cons to determine which is better for you. FYI, 2CheckOut Does carry a setup fee.

Good Luck with your new site.

[sahtabir]

tecknoh, it's obvious that you are spamming. You have only one post and already give us links to the companies you are working for so we will disregard your comments on this subject.

@theodore. Come to think of it, this contest proves that ikobo really cares about its customers and this is rarely seen in other companies. This proves also that I made a good choice by signing up with them.

[theodore]

I don't know about spamming, but as long as someone isn't speaking from their personal experience, I for one can't give him too much credit. After all I could go around posting this is the best and that and so on, but that wouldn't be fair since I wouldn't be familiar with the way it works. So far I'm very familiar with ikobo, and thus, I can tell you it's a good soultion and a very secure one (haven't lost a $ so far). That's all!

[skysoul]

If you ask me then I will not recommend you Paypal, 2Checkout or any similar. I have experienced with both of them and both of them having idiots in there suport staff. They never asnwer me properly and with 2Checkout if you get few fradulent orders or your customers ask for refund with them directly then they refund the money (your permission is not required). Same with paypal lots of fradulent possibilies are raising everyday with them. Do not go for them :shake:

Go for a True Merchant Account that will be much more convenient as compared to Paypal and 2Checkout. :)

This is not like that there will be no fradulent possibility with True Merchant Account but you will have more control on every order.

[sahtabir]

That?s why we are talking about ikobo here. :) I think that in every customer service (you name the company) there is at least one idiot so I cannot argue with that. Advantage is the word and I think ikobo has some of that. Also, correct me if I am wrong but I never heard of fraudulent acts committed against ikobo users. That?s why their registration process is a little different; they have a very tight security system. At least this is the impression I got so far.

[talkwebhosts.com]

Thread is old but use a payment system like paypal. They no longer require member signups upon checkout!

[theodore]

paypal's main flaw is that is very limited in its list of allowed countries, so I for example couldn't use it even if I wanted to... of course, there's the fraud attempts that keep piling up, but I suppose that comes with the territory (being the most popular and all)
i suppose shatabir is right, there aren?t too many, if any, fraud attempts against ikobo... at leat none that I know of anyway

[sahtabir]

Even the fact that they removed the signup procedure may consist in a security breach. I don?t want to say that is wrong, because ikobo removed it too but the question is: they did this because it?s a good thing and our security as customers is not affected or just to make sure they?ll have more payments to charge from? At least ikobo enabled the possibility to type a username and a password in case someone wants to use his/her ikobo account again. IMO the latter is not considered a real security problem.

[avohnd]

You got a few quite great ideas so far. I would like to recommend Authorize.NET and Paypal.

Good luck! Let me know if you need any other help.

[sahtabir]

Well thanks but I am still going to continue my business realtionship with ikobo. It has obvious advantages (2.9% merchant transfer fee, iKard (visa debit card), 3rd party shopping cart support ...) and its also free to setup. I can't seem to find a better offer ... Any sugestions ?

[theodore]

Hmm, if you want something better only in those aspects you mentioned... I don't think there's anything. However, as we all know paypal has the advantage of popularity, 2checkout also is trusted and so on. Their fees are higher however (especially for 2co) but it's a decision everyone has to make.

[sahtabir]

Hmm, if you want something better only in those aspects you mentioned... I don't think there's anything. However, as we all know paypal has the advantage of popularity, 2checkout also is trusted and so on. Their fees are higher however (especially for 2co) but it's a decision everyone has to make.

He he ... you've mentioned that 2co is trusted ... believe they have their share of problems ... read about them here: http://www.reviewcentre.com/review128337.html

[theodore]

You got a few quite great ideas so far. I would like to recommend Authorize.NET and Paypal.

Good luck! Let me know if you need any other help.
Authoriz.net is indeed a good option, but as far as I know it's only a gateway, meaning you'll have to spring so more money for a merchant account with some bank or something... and that if there are any around which will provide such service.
@shatabir - man, that sure doesn't sound too good... I guess 2checkout maybe isn't as trustworthy as I thought it to be. :shake:

[sahtabir]

Authorize.net is only a getaway. You are perfectly right. I don't see a reason for signing up both for a gateway AND a merchant account when the online payment industry has examples of companies which offer those two services in one package and with much lower operating costs. You know who they are: paypal, ikobo, 2co, worldpay (very pricey!).