Is paypal the only option?

[chillfire]

I have set up sites with PROTX, Paypal, Google checkout and HSBC e-payments.

The HSBC is a full on merchant account, there is a lot of code that needs to be added to the site to make it all work, the documentation is good, but there are pages and pages of it. You have to be able to host HTTPS certificates on your site for this to be viable.
I have looked into Lloyds and Natwest FastPay but both seemed difficult to talk the banks about as my clients volume were too low.

PROTX is a merchant account as well albeit smaller (you can have multiple currencies too), you add their code to your site and the details are passed to them for processing, no HTTPS certificate is needed here though.

Google and Paypal are for great, they require little technical knowledge and can be implemented pretty easily.

If you are after a quick and easy setup go for Google (I am personally going away from Paypal because unless the person paying ahs signed up for the instant payment option it can take days and days for the payment to clear).

If you do go down the google route, remember to have a look at Froogleand/or google base - add your products in there as well!

PLEASE NOTE: There are some downloadable stores available that store the card details within the store itself, this is okay if you aer 100% sure the data is safe and no one can access it, if you are going to host your store on a shared server or on a PC in your house, be careful, you have no control over the server access to your (and your clients data).
Make sure the host (or your own interent connection) has a standalone firewall installed and the data in the Database is encrypted.

Sorry for the scary moment, but a guy I met a few months ago got hacked

The BBC article: BBC - London - TV - Is the Internet a fraudster's paradise?

Using merchant sites (google and paypal included) means you are not storing credit cards details so your store will be less of a target.

cheers,
craig

[brunswickheights]

I have Paypal and will be adding Google checkout later.
Thank you for the information.
Regards

[Emma]

Just for info, we are looking into WorldPay and other merchants as a payment option for Full Membership here.

[trogette]

FastPay died a death a couple of years ago! Shame as it was cheaper than nochex and had NatWest's name on it.

I currently use nochex and paypal on the website (for card payments or paypal funded payments) and take card payments by phone (mobile terminal as per other post!) Nochex pay up quicker than paypal and are cheaper but a lot of people sell off their stuff on ebay or forums with buy/sell/swap boards with paypal and then use the funds to buy new stuff so I couldn't ever ditch it, also it's how I take most payments from overseas.

I've looked at Google Checkout but haven't got my head round how to link the free version to oscommerce, if there's a way at all.

[trogette]

Just a semantics thing but isn't worldpay a payment gateway rather than a merchant?

[samigail-gifts]

I've signed up with google checkout, I haven't fully worked out how it all works yet, but it looks like a cheaper alternative than paypal

[DesignsOnline.co.uk]

You could also try Multicards

www . Multicards . com

It gives you another option at least...
Joe

[Dragon-Media-Group]

Originally Posted by janifer

Google checkout is an other option provided by GOOGLE

Erm......?

There are many up coming online payment options. We seem to find however that without popularity it doesn't matter how good they are people just won't use them.
Google checkout is a fast simple solution for most users.
However paypal is still the daddy.
Is it not better just just have a few major payment options that are universal to everyone?
kind regards
PRISM Hosting limited

[iwebshop]

I tend to always add paypal, google checkout, moneybookers and if they have an Internet Merchant Number then PROTX. Seems to cover all eventualities.

[parker]

I'm just putting my website together, this has answered a few questions. I think I'll kick off with Pay-Pal for now as I already have an account.

[handbaghabit]

We use both google checkout and Paypal to be honest not that many customers use google checkout although I wish more would the fee's are lower than Paypals and in genereal I find it less hassle to deal with. It's also been said on an other forum that google have better fraud prevention although dont quote me on this. As both are free I would offer both more choices could mean more customers and thats never a bad thing.
Lori

[parker]

Sorry if these questions are dumb, but so far I've onlyever paid with Pay-Pal.
What level of charges can one expect from PP, for say a ballpark nice round figure of receiving £100.
And is it straightforward to transfer the cash to other accounts?

[handbaghabit]

Hi its about 4% so approx £4 per hundred although fee's differ depending on volume. As for the transferring it is technically not difficult but you have to request money to be transferred and there s a bit of a delay (It's recently changed so not sure how long). Whilst google check out I think the processing fee's are around the 2% mark and you get 10 x your adwords spend in free processing fee's plus money is automatically transferred to your account every three to five days.
Hope this helps
Lori

[parker]

Thanks Lori, that helps a lot, I take it my buyers would have to open/start a Google account to use it?

[handbaghabit]

Originally Posted by parker

Thanks Lori, that helps a lot, I take it my buyers would have to open/start a Google account to use it?

No I dont believe so I think they can pay without an account.
Lori

[samigail-gifts]

I've had google checkout as an option in my ebid shop for ages and no-one has ever used it.
Anyone else experience this - most just seem to use paypal which is a shame cos google checkout fees are much less

[iwebshop]

Originally Posted by samigail-gifts

I've had google checkout as an option in my ebid shop for ages and no-one has ever used it.
Anyone else experience this - most just seem to use paypal which is a shame cos google checkout fees are much less

Unfortunately GC just hasnt caught on like paypal. Pity really.

[Mark]

Google missed a golden opportunity with their marketing. Total fail if you ask me.

[Ray Stewart]

The problem with nochex is that they have a £100 transaction limit.

I haven't used it for a long time but that was my recollection.