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  1. #1
    Join Date
    Apr 2002
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    Impossible to knowl--I use an iPhone
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    e-commerce merchants: any reason not to use authorize.net?

    Seems to be the standard. Go with it, or no?
    [quote][//quote]

  2. #2
    Join Date
    Jan 2005
    Location
    Portland
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    2,988
    No issues so far. Infinitely better than dealing with paypal's bs.

    Good support when I've needed it, easy refunds, easy controls, etc.
    Seriously, this canít turn into yet another ON3P thread....

  3. #3
    Join Date
    Oct 2005
    Posts
    18
    The only 2 scenarios where I wouldn't recommend it are:
    1. if you can't meet your minimum monthly sales amount (some plans will charge you extra if you can't meet X amount)
    2. if you process a lot of overseas payments (setting up fraud filters for overseas payments is a PITA)

  4. #4
    Join Date
    Apr 2002
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    Impossible to knowl--I use an iPhone
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    Thanks to you two.

    Now about the merchant account fees: our bank wants 2.4% on CC's, and 3.26% for debit. $.23/transaction, $100 application fee, and $10 monthly. Plus authorize.net charging $99 to set up and $15/monthly.

    Can I do significantly better than that with a reliable bank? Any reason to use our bank for this just because that's where our account is?

    This e-commerce CC stuff is a pretty good scam for the banks...
    [quote][//quote]

  5. #5
    Join Date
    Feb 2006
    Location
    Among Greatness All Around
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    5,162
    The credit card merchant fees are all over the place. Some will not reasonably handle on line (no card present to swipe through the machines) and others will but at a higher rate than a local merchant that has the cards present.

    I have always read good things about Costco's merchant credit card offering. Not sure who they go through but the normal seems to be around 3 % and either a min. monthly volume or a monthly fee for the account. Shop around you can probably do better- but get the offer in writing (and read the contract closely) as they can promise the world and deliver something different completely. Heck, Paypal will handle the stuff for you too without the monthly fee. Scam artists everywhere.

  6. #6
    Join Date
    Apr 2002
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    Impossible to knowl--I use an iPhone
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    We're not using Paypal, but I was always told that Paypal was the worst of them all.

    Too complicated...
    [quote][//quote]

  7. #7
    Join Date
    Oct 2005
    Location
    Sandy
    Posts
    4,815
    We use Cybersource for CC processing and
    Paypal for paypal processing. The nice thing about paypal is people don't have to
    have a CC to buy stuff, which might or might not be a big deal depending on what your customer base is.
    Last edited by sfotex; 12-28-2009 at 05:08 PM.
    When life gives you haters, make haterade.

  8. #8
    Join Date
    Apr 2002
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    Impossible to knowl--I use an iPhone
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    Yeah, from what we can tell there will be little to no demand for paypal among our customers. I suppose we could add it down the road if it looks like it would matter, but our research indicates it's not an issue.

    Really just trying to make sure we're not getting shafted on these rates (which seem to mainly come from the bank, which uses authorize.net).
    [quote][//quote]

  9. #9
    Join Date
    Apr 2004
    Posts
    1,833
    2 years using them with NO issues whatsoever.

  10. #10
    Join Date
    Apr 2005
    Location
    A Chamonix of the Mind
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    3,687
    Quote Originally Posted by Dexter Rutecki View Post
    Thanks to you two.

    Now about the merchant account fees: our bank wants 2.4% on CC's, and 3.26% for debit. $.23/transaction, $100 application fee, and $10 monthly. Plus authorize.net charging $99 to set up and $15/monthly.

    Can I do significantly better than that with a reliable bank? Any reason to use our bank for this just because that's where our account is?

    This e-commerce CC stuff is a pretty good scam for the banks...
    Auth.net is pretty much standard anymore.

    2.4% and 23 cents is reasonable. Debit should be the same or less, since there is less risk for the processor on the transactions. The auth net fees for setup and monthly are standard, the $100 app fee is horseshit. Watch what they will charge you for what is called "non-qualified" transactions. In other words, they promise you 2.4% and then charge you more if you take a rewards card or a commercial card.

    I would ask about funding timeframes if cashflow is important. This is sometimes a reason to use your local bank.
    "Buy the Fucking Plane Tickets!"
    -- Jack Tackle

  11. #11
    Join Date
    Nov 2008
    Location
    Saneville
    Posts
    13,460
    Has anyone had experience with or heard about Intuit's E-Commerce products?

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