Our e-commerce software comes integrated with all of the major online credit card payment gateways.
The gateway is basically the company that takes the money from the website and transfers it to your bank account. Your gateway provider and your bank do not have to be the same company, and most of the time, especially when dealing with online businesses, they are not. The online companies who do online processing have more capabilities than a traditional bank because that’s generally all they do. While some banks have some payment gateway services that they offer to their clients, they generally are limited and more expensive.
Online gateways that we recommend:
You can accept credit card payments with PayPal Express and Website Payments Pro (Direct Payment). Basic PayPal is only 1.9-2.9% transaction fees (plus 30 cents per transaction) with no setup or monthly fees. They have a couple of different payment options, some (less expensive) lead you off of your site to paypal to make the payment, and some leave the customer entirely on your site while completing the transaction entirely in the background. The customer doesn’t even know they are paying with paypal’s “engine”. We generally use this set up with clients as it is affordable and professional.
Here is a link to a product comparison page from paypal: https://www.paypal.com/us/cgi-bin/webscr?cmd=_profile-comparison.
This is the largest and most common company. They list their fees on their website, which I have linked to. Basically it is a $10/mo account, plus 2.29% of the charges (minimum of $15/mo). They are not the cheapest, but they might have the best customer service.
Google charges 2% plus 20 cents per transaction w/ no monthly fees. They also have lots of promos that they tie into Google Adwords accounts. For example at times you will get $50 in free "Google AdWords" ads when you sign up, and for every $1 you spend on Google AdWords in the future, you can process $10 in sales for free. As I understand it your checkout button will say “google checkout” and you will get redirected to the google payment engine when the sale processes, which in my opinion doesn’t look as professional. But, it is probably the least expensive option of all.
Gateways that our software is “out-of-the-box” compatible with:
- PayPal and PayPal Pro
- Google Checkout
- USA E-Pay
- Innovative Payment Gateway (Quickbooks Merchant Services)
- ANZ Egate
- Payflow Link
- Cardservice International
We can also custom build an interface to integrate with almost any bank account. (Additional fees would apply.)
We also offer offline credit processing. This would appear to the customer that their card was validated just like on any online retailer, but really, it just records the info and sends it to you to be verified manually. Most of the time this is the option our clients will go if they already have a real, brick-and-mortar store – they already accept cards in their store and they just run the numbers themselves each day or two. Of course, you wouldn’t want to do this if you drop ship sales, as you wouldn’t want to ship anything out until you make sure the card goes through.
Offline processing is also a good start up solution if you have a “phone in” authorization company – where you call in the orders and enter the information with your phone keypad. This works when your customers are not right there handing you their card, like with online stores. When business picks up and the store is generating more sales it pays for itself for you to get an online gateway and automate the whole process.
We also offer a payment method where customers pickup and pay for their orders locally.