Whats a good payment processor for oscommerce

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gdubs12345

gdubs12345

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i was looking at authorize.net and paypal.

Paypal seems really expensive at 1.9% - 2.9% + $0.30 per transaction, and i havent really heard much about authorize.net, but it is alot cheaper.

Anybody have experience with either of them?
 


Paypal allows you to accept Paypal and credit card.

Authorize.net allows you to accept credit card.

In my experience, you will want to accept PayPal. When I was in ecomm, it was about 30% of my sales.
 
Depends on the product/consumer.

If it's download/membership to 20/30 somethings, paypal.

If it's physical to over 40, Auth.net.

Auth.net is a pretty easy setup, daily settlements and pay by phone make it a really attractive option, but you WILL pay $50/month for it. $30 for the basics and $20 in 'addons' like Amex and Discover.
 
Paypal rates are very competitive, if not actually a little better than most. If you are dealing with US consumers paypal is your best bet as most have confidence in using this at checkout as they have been exposed to it more than any other merchant service.

fyi, I hate both of them. I say take only cash, preferably $2 bills so the strippers are happy.
 
I have a background in this area and would be glad to help out. There are other options that are less expensive than both PayPal and Authorize.net. Authorize is a great gateway but their customer service is less than par.

Feel free to PM me if you would like some more info.
 
For the benefit of other WF's can you give us your opinion/suggestion here?

I agree there are cheaper gateways but you usually get what you pay for. And when it came to someone having the ability to freeze my hard earned money, like merchants can, I would def take reputation over a 1/2 point to a point on fees.

Course that's just my opinion. I was ecomm for 5 years before I sold it. I had bad experiences with smaller, cheaper gateways. Especially when I started hitting higher monthly charges. Had 6 figures held for almost 6 months at one time. I got most of it released eventually but I learned a valuable lesson. You get what you pay for.


FreedomPro said:
I have a background in this area and would be glad to help out. There are other options that are less expensive than both PayPal and Authorize.net. Authorize is a great gateway but their customer service is less than par.

Feel free to PM me if you would like some more info.
Click to expand...
 
thanks for the help.
I dont mind paying a setup fee, but i really hate paypals 1.9% - 2.9% charge per trasaction.
But customer service is really important when you have to deal with refunds and fraud. I think paypal would be better at that

Does authorize.net have fees for refunds or chargebacks? I dont want to get hit with a constant stream of fees all over the place.

Also i'll look into 2 checkout a little more
 
I sure can. I am a member of other forums where even the hint of expertise is considered advertising. Since payment processing is my everyday business, and I am a new member here, I was hesitant to walk that line. Although this board seems to be about trade so maybe I can offer something valuable.
--

I'm sure there are some of you that are much more versed in the programming and ecomm/shopping cart side of things but I will basically break things down for the new guy in an easy to understand way.

In ECommerce there are essientially 3 pieces to the payments puzzle: The Shopping Cart (osCommerce here), The Gateway, and The Merchant Account.

Each of these pieces must work together seamlessly. Not all MAs are compatible with all gateways and not all gateways are compatible with all shopping carts.

I help people match those up. Obviously if you go to any of their websites, they will push you toward a certain partner (whichever ones pay them best). That doesn't mean that others won't work.

True there are some crappy gateways that could cause programming issues and potentially delayed funds, but most of the time that issue is due to the merchant account. The processor who holds the merchant account is the one responsible for depositing the funds. All of them charge different rates & fees and many will try to hide things from the inexperienced. I work with many different processors and some are much more e-commerce friendly than others.

Things that are considered in determining rates and fees are:
-Type of product
-Amount of time from order placement to delivery
-Average transaction amount
-Average monthly volume
-Number of monthly transactions, etc

While there are a lot of shady credit card processing companies (many of which are found online), there are a lot of quality ones. And while sometimes cheaper means lower quality, sometimes it just means an honest deal and less middlemen getting a cut.

I have a lot of connections in this industry and I am willing to make a standing offer to this forum. Anyone who is in need of a merchant account, I will make sure you get setup with a reputable company with good customer service and fully disclosed rates. Lowest rates & fees? Probably close. But as the previous poster mentioned, getting your money in a timely manner is as or more important than a fraction of a percent.

As far as gateways go, my favorite currently is eProcessingNetwork. They have live people who answer the phone with minimal wait time and programmers on hand to help with even the most complex integrations. They integrate with most popular retail carts and offer an API if you want to write your own cart. They also have a Authorize.net emulator that will work with anything that Authorize will. I am also a reseller for them and have a good relationship with them.

Any WF member that is interested I will also get you setup with an appropriate gateway for just over cost.

Again, many gateways will work fine, as long as they are compatible with the MA. I have a variety of Gateway and Merchant Account providers that I can help you mix and match on a custom basis. If anyone is in need of a particular setup for you or your customer's business, let me know and we can work together to find the best solution.
 
FreedomPro said:
I sure can. I am a member of other forums where even the hint of expertise is considered advertising. Since payment processing is my everyday business, and I am a new member here, I was hesitant...
Click to expand...

Quality info. I think that more than covers the question of the thread. All new guys don't need to fear adding to the forum as that is what is needed here. Anyone can answer a question without plugging there business.
 
Thanks, I look forward to learning more about the affiliate marketing world and hopefully adding something along the way.
 
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Reactions: Volume10
All you noobs out there lurking around and getting ready to type a dumb ass introduction thread, stop and PAY ATTENTION
This is how you introduce yourself and not get flamed.
Thanks for the great info FreedomPro, this was useful.

+rep

FreedomPro said:
I sure can. I am a member of other forums where even the hint of expertise is considered advertising. Since payment processing is my everyday business, and I am a new member here, I was hesitant to walk that line. Although this board seems to be about trade so maybe I can offer something valuable.
--

I'm sure there are some of you that are much more versed in the programming and ecomm/shopping cart side of things but I will basically break things down for the new guy in an easy to understand way.

In ECommerce there are essientially 3 pieces to the payments puzzle: The Shopping Cart (osCommerce here), The Gateway, and The Merchant Account.

Each of these pieces must work together seamlessly. Not all MAs are compatible with all gateways and not all gateways are compatible with all shopping carts.

I help people match those up. Obviously if you go to any of their websites, they will push you toward a certain partner (whichever ones pay them best). That doesn't mean that others won't work.

True there are some crappy gateways that could cause programming issues and potentially delayed funds, but most of the time that issue is due to the merchant account. The processor who holds the merchant account is the one responsible for depositing the funds. All of them charge different rates & fees and many will try to hide things from the inexperienced. I work with many different processors and some are much more e-commerce friendly than others.

Things that are considered in determining rates and fees are:
-Type of product
-Amount of time from order placement to delivery
-Average transaction amount
-Average monthly volume
-Number of monthly transactions, etc

While there are a lot of shady credit card processing companies (many of which are found online), there are a lot of quality ones. And while sometimes cheaper means lower quality, sometimes it just means an honest deal and less middlemen getting a cut.

I have a lot of connections in this industry and I am willing to make a standing offer to this forum. Anyone who is in need of a merchant account, I will make sure you get setup with a reputable company with good customer service and fully disclosed rates. Lowest rates & fees? Probably close. But as the previous poster mentioned, getting your money in a timely manner is as or more important than a fraction of a percent.

As far as gateways go, my favorite currently is eProcessingNetwork. They have live people who answer the phone with minimal wait time and programmers on hand to help with even the most complex integrations. They integrate with most popular retail carts and offer an API if you want to write your own cart. They also have a Authorize.net emulator that will work with anything that Authorize will. I am also a reseller for them and have a good relationship with them.

Any WF member that is interested I will also get you setup with an appropriate gateway for just over cost.

Again, many gateways will work fine, as long as they are compatible with the MA. I have a variety of Gateway and Merchant Account providers that I can help you mix and match on a custom basis. If anyone is in need of a particular setup for you or your customer's business, let me know and we can work together to find the best solution.
Click to expand...
 
I have a number of sites which integrate commerce and found a custom solution to be much more of a headache than what it's worth due to higher fees and the need for a merchant account with your bank.

I've found PayPal's Web Payments Pro (*WPP) to be very easy to integrate with- both for standard PP users, and via the API for direct card processing on site. There is a $20 monthly fee attached to the account though- so be aware of this.

Fees are competitive if not better than any other processor I looked in to, and the most critical benefit was that you don't need a merchant account with your bank- you use your PP account (needs to be a business account btw). All payments (cc or otherwise) are instantly deposited in to your paypal account- although echecks take a week or so.

Plus they have a top notch dev forum- live PayPal support is so-so. You can get through to folks on the phone, but the quality can differ. Email support sucks. Really, the dev forum is the best way to get support.


* PayPal purchased Verisign's "PayPro Flow" product line some time back and integrated it in to their "Web Payments Pro" offering.
 
Doing a custom solution is not easy. It does take a decent programming knowledge. There are however some gateway providers that offer "easy carts" and host the processing on their servers just like PayPal does. Unless you use a low quality merchant services provider, like many of those that advertise online, rates and fees should be lower than PayPal unless you do over $100k/month.

Just like any other banking service (mortgages, car loans, etc.), you can usually get a better deal if you talk to someone you know than just researching online or accepting the published rates. We ALL have room to negotiate!
 
If you choose the paypal route, you better get areal merchant account backup(s) as well.
They have a nasty habit of freezing your shit for sometimes bogus reasons.
You kinda have to deal with them because so many people use them.


I suggest you open a a brand new account with your bank and only use that account for paypal purposes. Get the debit card paypal offers.

Anytime you get a paypal payment immediately transfer it (or take the cash out using the debit card) to the bank account attached to your account. If you want to go a step furthur you can then transfer that money to a different acount paypal has no connection with.

Trust me on this. If you do any volume, paypal will fuck you up eventually. The key is having backup and not letting any money sit in the paypal account. They typically freeze your account for 180 days and they don't give a fuck about your valid reasons.

Welcome to PayPalSucks.com, PayPal Lawsuit, PayPal Alternative, PayPal Complaints, Fraud & Evil behind the PayPal system!
 
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