Do I need both a payment gateway and payment processor for cc payments?
 

I am close to being done with making a site on my own for the first time but I am a bit overwhelmed with what I actually need to be able to accept credit cards payments through my website. Am I fine with just getting a payment gateway (i.e. rocketgate) and having a bank account for cc payments to be sent to? Or do I need a processor (i.e. ccbill) to pair with the gateway? Or is a gateway unnecessary and I just get a processor? Also is it a good idea to use more than one gateway or processor?

I don't have need to accept transactions with a physical card present, just accept cc payments through a web page where the customer puts his card information and confirms payment.

Any advice is appreciated. Thank you.

Rocket Gate and a merchant account are fine. Alternatively you can do the CC/Epoch.

For a new site, I would recommend going the Epoch/CCBill route. Yes, they take a fee, but that fee will save you a lot of hassle so that you can focus on building your site and your business.

Once you are making a certain amount of money, it makes sense getting a secondary processor because you'll pick up another 10% of sales easily. You'll need to do the math on what makes sense to you, but $5000 monthly in revenue would be a good mark to pull the trigger.

At some point you will want to go the merchant account route, but there are quite a few fixed fees involved and some technical knowledge required. I would recommend holding off on that until you are making around $10k a month, OR if you need to do something particular with your billing that Epoch/CCBill won't easily let you do.

Recommended line of progression:
Epoch
CCBill at $5k
merchant account at $10k

I have assisted in setting up well over 100 merchant accounts and helped with quite a few Epoch/CCBill accounts as well. If you have any additional questions, feel free to shoot me a message and I'd be happy to point you in the right direction.

Both are great options and utilizing both can be beneficial once you reach a certian volume level. I'm happy to discuss MobiusPay and our Gateway/Merchant Account solutions with you to see if its right for you at this time.

Hi,

At the point when you are ready for a merchant account and gateway, shop around and then contact NETbilling. We promise to provide you with the best rates and most flexible gateway in the industry. We have been servicing the adult industry for more than 23 years. We also have an in-house 24/7 call center to handle customer service for you sand your customers.

Thanks

You need a merchant account, and a gateway to process. The gateway I use is eprocessingnetwork.com

For online payments you ka do do need both

Give me a call, I'll answer all your questions for you. :thumbsup