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Thread: Accepting CC's

  1. #1
    Flashkit historian Frets's Avatar
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    Accepting CC's

    Hi's all around.

    Aside from paypal and opening a merchant account
    with a local bank.
    What are some other methods of handling both
    online and offline credit card payments?

  2. #2
    Senior Member MG315's Avatar
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    i think that's the two ways...paypal or a merchant account. I use paypal when I need to offer CC processing to clients, simply because its not worth spending the money on a merchant account to use it as infrequently as I do.
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  3. #3
    Modding with Class JabezStone's Avatar
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    Frets,

    This may depend on how you are intending to process orders, and what you are selling.

    If it's a product for immediate consumption, like software or graphics, etc. then you will want to use either PayPal, a CC middleman like CCnow, or actually set up a merchant account and accept CCs through an online broker or authorizing company.

    If you are selling items that don't require immediate consumption, you can do what one of my clients chose to do... this is to set up a merchant account, get a keypad (or the ability to call in CC orders to the bank over the phone) and simply receive numbers through your site. When you receive them, you will manually process them, and complete the sale.

    Those are a couple options, anyway.

    I, personally, prefer the route of obtaining a merchant account and doing direct authorization through a CC brokerage company.

    Jay

  4. #4
    Flashkit historian Frets's Avatar
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    Thanks for your replies Jay and MG.

    I'm not familiar with CCnow.

    In my search for answers
    I found https://epay.propay.com/

    I doubt if I will have many cc transactions.

    Merchant accounts with local banks offer very
    little and are too pricey for both the low volume
    and average transaction.

    Frets

  5. #5
    default user juxtaflo's Avatar
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    I recently did a CC transaction with Paypal. It was very expensive. I will not do it again. I forget what percentage they take but it becomes a lot of money when you are selling an expensive service like design.

    I would stick to check or money order.

  6. #6
    Senior Member MG315's Avatar
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    the only time i use paypal to do cc transactions is for services like hosting where there is a recurrent fee. it is much easier to set it up so the client's credit card is billed every month than to send an invoice each month and hope you get a check back.

    but juxtaflo's right, for large transactions (like payment for the actual website) I try to get clients to pay by check.
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  7. #7
    Flashkit historian Frets's Avatar
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    I got out of resell/ virtual hosting several years ago.
    Although now I think I'll get back in.
    Only for sites I design.

    When I got in..
    It was much like having a paper route.
    You spend half your time deliverying and half your
    time collecting. At that time vservers were expensive
    Back then I only accepted checks and billed monthly.

    I sent out invoices, called clients who's accounts were
    backing up. Even made visits when the client was local.
    Too much headache for too little.

    When I get into virtual server deals in the near future.
    I'm setting a fixed yearly rate inclusive with design work
    and registration. This simplifys the process for the client.
    If they wish alternative hosting or are happy with there
    current provider. I'll simply knock off the annual hosting
    dollar from the agreed amount.

  8. #8
    default user juxtaflo's Avatar
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    I have came to the same conclusion frets. I tried monthly billing for hosting a few times and it is much more hassle than it is worth.

    Now we only do 1 or more year terms paid in full up front with a check. I have not run into a problem yet.

  9. #9
    Modding with Class JabezStone's Avatar
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    Originally posted by juxtaflo
    ...Now we only do 1 or more year terms paid in full up front with a check. I have not run into a problem yet.
    Bingo... this is exactly what I do. Works very well.

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