Mainstream credit card processor / merchant services - GoFuckYourself.com

citizen tower · 12-28-2010, 05:38 PM

I work a 9-5 job and I'm trying to get a start-up going on the side and I need to be able to process credit card transactions. However, I am trying to keep costs low until I can become cash flow positive. I'm soliciting the only community I can think of to get this kind of feedback.

First and foremost, can anyone recommend a mainstream e-commerce merchant service? Bear in mind I am looking to have little to no monthly fees and can take the hit of higher transaction fees if needed. This is not an adult website and is not a high-risk line of business; therefore, I have already removed Zombaio from the candidates.

Secondly, what questions should I ask? I have absolutely no experience with merchant service providers or the types of fees they may charge. For example, I came up with these:

Is there a monthly maintenance fee?
Is there a statement fee?
What are the transaction fees assessed by the processor? What are the fees assessed by you?
What other monthly fees are there, if applicable?

Any insight into this would be greatly appreciated. I've been a long time lurker here and feel that the knowledge contained by some members of this board will help me a lot.

Thanks in advance.

Kiopa_Matt · 12-28-2010, 05:51 PM

PayPal, or AlertPay maybe. When you're ready, get yourself a real merchant account through someone like Moneris Solutions (they're excellent in Canada at least).

Sid70 · 12-28-2010, 05:57 PM

alertpay, swreg, 2co

citizen tower · 12-28-2010, 06:00 PM

Quote:

Originally Posted by Kiopa_Matt

PayPal, or AlertPay maybe. When you're ready, get yourself a real merchant account through someone like Moneris Solutions (they're excellent in Canada at least).

Is it possible to integrate AlertPay so the user does not leave my page/domain? I know PayPal has a payment API, but the cost is ~30/mo.

Quote:

Originally Posted by Sid70

alertpay, swreg, 2co

swreg looks like its more for client software; this is a web application (or SaaS, or cloud application, or [insert buzzword here]).

See above re: 2co concerns.

citizen tower · 12-28-2010, 06:03 PM

double-post

itto · 12-28-2010, 06:06 PM

perhaps have a look at ecsuite.com - which i think is the mainstream side of ccbill.

Kiopa_Matt · 12-28-2010, 06:07 PM

Quote:

Originally Posted by citizen tower

Is it possible to integrate AlertPay so the user does not leave my page/domain? I know PayPal has a payment API, but the cost is ~30/mo.

Nope. What you're looking for is an actual merchant account. General setup fees range anywhere from $300 - $1000. Plus credit check, send in your company docs & ID, etc.

citizen tower · 12-28-2010, 06:09 PM

Quote:

Originally Posted by Kiopa_Matt

Nope. What you're looking for is an actual merchant account. General setup fees range anywhere from $300 - $1000. Plus credit check, send in your company docs & ID, etc.

I'm looking for something along the lines of Paypal's Website Payments Pro, without the monthly fee.

Kiopa_Matt · 12-28-2010, 06:16 PM

Quote:

Originally Posted by citizen tower

I'm looking for something along the lines of Paypal's Website Payments Pro, without the monthly fee.

It doesn't exist.

LiveDose · 12-28-2010, 11:31 PM

http://merchantservicestotal.com

We setup a mainstream merchant account through this agent. Very quick and smooth setup.

directfiesta · 12-28-2010, 11:36 PM

Monthly fees are pretty standard for a merchant account.

CCBill Paul · 12-29-2010, 10:27 AM

I would be happy to offer some suggestions and answer any questions you may have!

Sid70 · 12-29-2010, 11:06 AM

just found this:
http://www.mondialprivatebank.com

Chrisz_AlertPay · 04-12-2011, 10:50 AM

Hi,
Have you checked AlertPay yet? We offer a variety of solutions for small businesses without any monthly charges.
We offer IPN service, integrated BUY NOW buttons, subscription services, shopping cart compatibility and more.

Hope this helps,
Chris Z
Online Community Support
AlertPay.com

pimpD · 04-12-2011, 11:01 AM

Probably best to go with an IPSP rather than your own direct merchant account. You also won't have to go through the ordeal of programming an extensive and intricate secure credit card form, many IPSPs just host it for you.

Poppy · 04-12-2011, 11:08 AM

We may be able to help. Please contact me.

Klen · 04-12-2011, 11:17 AM

Funny how nobody actually bother to answer OP questions.

fatfoo · 04-12-2011, 11:32 AM

It's good that you are thinking about your cash flows. You need to have enough cash so that you can pay liabilities when they become due. Being able to process credit card transactions can get difficult. Think about alternatives such as using Paypal. Good luck.

NETbilling · 04-12-2011, 11:52 AM

Hi,

We can set you up. No setup fees and very low rates for mainstream. We also work with many many banks to get you the best rate.

Please post here or contact us for more information.

HomerSimpson · 04-12-2011, 01:25 PM

I use 2CO

no problems at all...

famous · 04-12-2011, 02:20 PM

You will not beat the easy of paypal for 30 a month. its a good starter to see if what you are doing is going to make it. Getting a full blown merchant accout is a pain and tpically lots of otehr fees (paypal is quick and easy to set up). Paypal is flat 30 a month and like 0.30 per transaction and % is based on the sales dollars. I have used them for my mainstream site and it has been great.

Also you can use paypals usps/mailing for free to generate labels. Thats a $15 a month savings right their

1. flat fee 30.00
2. none
3. 0.30 per transaction and 2.9% per sales total to start. I am at 2.2% right now and it automaically lowers once you hit sales goals.
4. thats it see # 3

12-28-2010, 05:38 PM	#1
citizen tower Confirmed User Join Date: Apr 2005 Posts: 238	Mainstream credit card processor / merchant services I work a 9-5 job and I'm trying to get a start-up going on the side and I need to be able to process credit card transactions. However, I am trying to keep costs low until I can become cash flow positive. I'm soliciting the only community I can think of to get this kind of feedback. First and foremost, can anyone recommend a mainstream e-commerce merchant service? Bear in mind I am looking to have little to no monthly fees and can take the hit of higher transaction fees if needed. This is not an adult website and is not a high-risk line of business; therefore, I have already removed Zombaio from the candidates. Secondly, what questions should I ask? I have absolutely no experience with merchant service providers or the types of fees they may charge. For example, I came up with these: Is there a monthly maintenance fee? Is there a statement fee? What are the transaction fees assessed by the processor? What are the fees assessed by you? What other monthly fees are there, if applicable? Any insight into this would be greatly appreciated. I've been a long time lurker here and feel that the knowledge contained by some members of this board will help me a lot. Thanks in advance. __________________ .NET Windows and Web Applications Developer ICQ: 484-388-695

12-28-2010, 05:51 PM	#2
Kiopa_Matt Confirmed User Industry Role: Join Date: Oct 2007 Posts: 1,448	PayPal, or AlertPay maybe. When you're ready, get yourself a real merchant account through someone like Moneris Solutions (they're excellent in Canada at least). __________________ xMarkPro -- Ultimate Blog Network Management Streamline your marketing operations. Centralize management of domains, pages, Wordpress blogs, sponsors, link codes, media items, sales and traffic statistics, plus more!

12-28-2010, 05:57 PM	#3
Sid70 Downshifter Industry Role: Join Date: Dec 2002 Location: Road trip Posts: 16,413	alertpay, swreg, 2co __________________ Русня, идите нахуй!

12-28-2010, 06:03 PM	#5
citizen tower Confirmed User Join Date: Apr 2005 Posts: 238	double-post __________________ .NET Windows and Web Applications Developer ICQ: 484-388-695

12-28-2010, 06:06 PM	#6
itto Confirmed User Industry Role: Join Date: Jul 2006 Location: world wide Posts: 1,363	perhaps have a look at ecsuite.com - which i think is the mainstream side of ccbill. __________________

12-28-2010, 11:31 PM	#10
LiveDose Show Yer Tits! Industry Role: Join Date: Feb 2002 Location: Somewhere Out there... Posts: 25,792	http://merchantservicestotal.com We setup a mainstream merchant account through this agent. Very quick and smooth setup. __________________ Scammer Alert: acer19 acer [email protected] [email protected] Money stolen using PayPal

12-28-2010, 11:36 PM	#11
directfiesta Too lazy to set a custom title Industry Role: Join Date: Oct 2002 Location: Punta Cana, DR Posts: 29,590	Monthly fees are pretty standard for a merchant account. __________________ I know that Asspimple is stoopid ... As he says, it is a FACT ! But I can't figure out how he can breathe or type , at the same time ....

12-29-2010, 10:27 AM	#12
CCBill Paul Confirmed User Industry Role: Join Date: Feb 2004 Location: Cardinal Nation Posts: 1,005	I would be happy to offer some suggestions and answer any questions you may have! __________________ Paulk @ CCBill.com \| icq 248615940

12-29-2010, 11:06 AM	#13
Sid70 Downshifter Industry Role: Join Date: Dec 2002 Location: Road trip Posts: 16,413	just found this: http://www.mondialprivatebank.com __________________ Русня, идите нахуй!

04-12-2011, 10:50 AM	#14
Chrisz_AlertPay Registered User Industry Role: Join Date: Mar 2011 Posts: 18	Hi, Have you checked AlertPay yet? We offer a variety of solutions for small businesses without any monthly charges. We offer IPN service, integrated BUY NOW buttons, subscription services, shopping cart compatibility and more. Hope this helps, Chris Z Online Community Support AlertPay.com

04-12-2011, 11:01 AM	#15
pimpD Confirmed User Join Date: Sep 2007 Posts: 228	Probably best to go with an IPSP rather than your own direct merchant account. You also won't have to go through the ordeal of programming an extensive and intricate secure credit card form, many IPSPs just host it for you.

04-12-2011, 11:08 AM	#16
Poppy Confirmed User Join Date: Apr 2002 Location: O H I O Posts: 6,254	We may be able to help. Please contact me. __________________ VP Sales, Peak5Payments [email protected] Skype: consultpoppy In adult since 98'

04-12-2011, 11:17 AM	#17
Klen Industry Role: Join Date: Aug 2006 Location: Little Vienna Posts: 32,235	Funny how nobody actually bother to answer OP questions.

04-12-2011, 11:32 AM	#18
fatfoo ICQ:649699063 Industry Role: Join Date: Mar 2003 Posts: 27,763	It's good that you are thinking about your cash flows. You need to have enough cash so that you can pay liabilities when they become due. Being able to process credit card transactions can get difficult. Think about alternatives such as using Paypal. Good luck. __________________ Send me an email: [email protected]

04-12-2011, 11:52 AM	#19
NETbilling Confirmed User Industry Role: Join Date: Jan 2002 Location: Huntington Beach, CA Posts: 8,582	Hi, We can set you up. No setup fees and very low rates for mainstream. We also work with many many banks to get you the best rate. Please post here or contact us for more information. __________________ Mitch Farber CEO - NETbilling, Inc. Email / Phone: 888-357-8166 / 661-252-2456 Transaction processing & 24/7 call center services with exceptional rates and flexibility, since 1998!

04-12-2011, 01:25 PM	#20
HomerSimpson Too lazy to set a custom title Industry Role: Join Date: Sep 2005 Location: Springfield Posts: 13,826	I use 2CO no problems at all... __________________ Make a bank with Chaturbate - the best selling webcam program Ads that can't be block with AdBlockers !!! /// Best paying popup program (Bitcoin payouts) !!! PHP, MySql, Smarty, CodeIgniter, Laravel, WordPress, NATS... fixing stuff, server migrations & optimizations... My ICQ: 27429884 \| Email:

04-12-2011, 02:20 PM	#21
famous Confirmed User Join Date: May 2002 Posts: 675	You will not beat the easy of paypal for 30 a month. its a good starter to see if what you are doing is going to make it. Getting a full blown merchant accout is a pain and tpically lots of otehr fees (paypal is quick and easy to set up). Paypal is flat 30 a month and like 0.30 per transaction and % is based on the sales dollars. I have used them for my mainstream site and it has been great. Also you can use paypals usps/mailing for free to generate labels. Thats a $15 a month savings right their 1. flat fee 30.00 2. none 3. 0.30 per transaction and 2.9% per sales total to start. I am at 2.2% right now and it automaically lowers once you hit sales goals. 4. thats it see # 3 Last edited by famous; 04-12-2011 at 02:25 PM..