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Processing online payments - which payment service provider?

Posted: Thu Jul 10, 2008 5:55 am
by Apollo
How to process payments in your online store - I have quite some experience with Bibit (for credit card processing) and PayPal. But I'm looking around for alternatives, and I'd like to hear about other people's experiences and compare some advantages and disadvantages.

Other big players on the market seem to be: WorldPay, Ogone, GlobalCollect, etc.
Anyone familiar with these, or perhaps other solutions that may be interesting? Do they work well, are they easy to implement, etc?

Bibit
Advantages:
  • can process payment from within your own site (sending the credit card details through a secure connection in backgroud), no need to redirect the customer to their server (although it's possible)
  • good fraud detection
  • good support, fast answers
  • supports lots of other payment methods besides credit cards (bank transfers etc)
Disadvantages:
  • sometimes refuses orders from valid cards, which Bibit claims is due to the bank / card issuer, but then the same card works fine in other shops (all they say is "ask the customer to contact their bank", but as we know customers won't do so and just don't care)
  • poor protection against chargebacks, even when you're sure the customer received and used your product, if a card holder issues a chargeback you can supply counter-evidence all you want, bibit/banks/card issuers just never reply and you simply lose your money + a fine (I don't know if this is just a disadvantage of online credit card payments in general, but Bibit doesn't seem to be very helpful on this)
  • not flexible to use one account for different shops
PayPal
Advantages:
  • supports credit card payments as well as their own PayPal payment system
  • free to setup, only a commission percentage per sale
Disadvantages:
  • customers have to pay through PayPal's site, which invites them to login / create an account, which might scare off people (even though an account is not necessary)
  • extremely lousy support, PayPal's helpdesk seems to consist mainly of autoreplying retarded bots

Re: Processing online payments - which payment service provider?

Posted: Thu Jul 10, 2008 7:57 am
by m3mn0n
2CO.com is a service I use.

They seem to be good for the most part.

Re: Processing online payments - which payment service provider?

Posted: Thu Jul 10, 2008 8:15 am
by malcolmboston
i have experience with secpay, protx, paypal (cart system) and google checkout (full api integration) and as far as the payment providers go i would definitely recommend secpay, never had a problem with them and the user interface is spot on, there tech support actually know what they're talking about [cough] 1and1 [/cough] and all in all they do not seem to be the massive company they are.

Re: Processing online payments - which payment service provider?

Posted: Wed Aug 27, 2008 8:14 am
by zeba123
You can try credit card proccesing system http://www.webtopay.com

There are no chargebacks! And fee only 4%