What is the best merchant processing solution?

smookedtrout

If you want to take credit card orders (or pre-orders), what is the best merchant processing solution?
I've heard the PayPal and Google Checkout will freeze your funds if even a single person complains about your service to them.

smithmiller6

Hi I am new here and I am starting with your answerer. If you don't care about the customer leaving your site:
Amazon Payments (underrated in my opinion)
PayPal
Google Checkout
If you need to seamlessly integrate a payment form in your site:
-PayPal Payments Pro ($30/month for a virtual terminal and API integration, no contracts, 2.9% transaction, it's really hard to find a merchant company that can beat this unless you're talking in volumes).
-Authorize.net coupled with the merchant company of your choice.
When evaluating a merchant company, beware of contract stipulations, transaction fees, and monthly fees. My first provider was Cardservice International (one of the largest) and I used LinkPoint for the online gateway. I was paying $60-80/month just for the service! (transaction fees excluded) AND I was locked in a 2-year contract with an insanely high cancellation fee. One of their fees was a mandatory $20 "customer service fee" for access to their 24/7 customer service team. (WTF?)
Just be careful when evaluating merchant companies. Try starting at your bank (as long as it's not Chase, BoA, or Wells Fargo). Generally, local community banks or credit unions will have fair pricing and good customer service for merchants. Try to check all Honest Merchant Reports here.

JHavermans

I know that Webshop-to-Nav products can integrate with the PayPal service quit easy in general.
Have seen it working with products like TradePoint and Web Extensions.

When payment providers to support some kind of XML or WebService entry point, it can work in my opinion.

mikelangelo11

I would suggest you find what shopping cart you would be using first and then find out what methods they support... not everyone supports google checkout / paypal anyway... or you can go to the payment provider you want and then check out the carts they deal with...either way willhelp more than choosing a processing solution on it's own... investigate both thoroughly before making a decision...