Free Merchant Account Guide

3 Responses to “What is the best program/website to use to accept online payment in my website?”

1. Gooogled says:

   December 22, 2009 at 12:03 am

   You can use PayPal which is easiest and safest. Next is to look at Yahoo store. Finally another cheaper option is Costco’s website that gives best deal on accepting credit card payments.
2. just "JR" says:

   December 22, 2009 at 12:24 am

   PayPal is the easiest, but you will have to program a bit.
   Download “Easy PayPal Integration” script from www.web2coders.com.
   (Free)
3. Jeff Knows says:

   December 22, 2009 at 1:08 am

   Well there are quite a few options to be honest, it all really depends exactly what your looking for.

   PayPal is often recommended as one of the best payment sources out there, however I have to strongly disagree with most people having had experience with them over the last 5 years and dealing with people on a daily basis who use PayPal as there sole payment provider.

   PayPal Ups:
   1. Easy to setup
   2. They don’t require much information
   3. Very popular, almost everyone has an account.

   PayPal Downs:
   1. Very poor fraud management, often targeted by scammers.
   2. Not seller friendly, they cater to buyers and sellers have very little protection even with tangible goods as they can still be charged back and like I mentioned PayPal is often targeted by these thieves.
   3. Very poor customer satisfaction rates, you will notice thousands of complaints throughout the internet. Along with being very hard to get a hold of if you have questions/need help.

   Alternatives:

   Many business owners or people selling on ebay look to an actual merchant account to accept credit card payments. A merchant account is a little more time consuming to setup but you can still have it going without much information in as little as 24 hours with some companies. Most are completely free to use just like PayPal.

   Ups:

   1. More secure than PayPal/other third party services. In addition you can accept payments from anyone with a credit card rather than needing a PayPal account.

   2. More professional, having a merchant account instills trust in your client. It looks more professional to have a real merchant account operated by a bank.

   3. Lower fee’s, merchant accounts can save you thousands of dollars a year due to having lower fee’s.

   4. Better customer service, most will bend over backwards to help there clients and ensure they have the highest profit margins.

   5. More flexible, you can setup a shopping cart of your own, and they are extremely easy to integrate. Basically when you signup for a merchant account you just have a login/password that you can log in and create links to your products; or you can have them intergrate and install a payment gateway on your website for FREE. Takes no time and you can accept payments right away.

   Recommendation:

   I am very strongly against PayPal unless it’s a last resort, most merchant providers will accept people even with poor credit and it’s really a much better option if your serious about making and keeping your money.

   Some of the best I have dealt with are Prosper Merchant Services and Durango Merchant Services. I give Prosper a slight edge just because of the lower fee’s and because they are a little smaller there service is just fantastic.

   www.prosperms.com