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3rd party Credit Card Processing Services
On a table below, you can find direct comparison of Internet-based credit card
processing companies and their fees. For more information on merchant accounts and credit card processors click here.
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| Orders by: |
Creditcards or direct transfer |
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| Processing fees: |
2.99% + $0.29 |
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| Extras: |
You will receive free Visa Electron i-Kard which you can use as a regular Visa card and do ATM withdrawal. |
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| Notes: |
You can sell services and/or tangible goods. They offer Instant Payment Notification for merchants which can be easily integrated with an existing e-commerce site. |
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| Orders by: |
Creditcards or direct transfer |
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| Processing fees: |
1.9%-3.9% + up to $0.50, no minimum |
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| Extras: |
Payment to you is made into
your USA bank account, or onto your Visa credit card. |
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| Notes: |
Americans can use Web-Accept (accept credit card orders on their websites).
"International" accounts can be opened, but are not able to use Web-accept yet,
although you can be paid by other PayPal users. Web-Accept looks good, cheaper
than a merchant account but only available to Americans |
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| Orders by: |
Creditcards, online checks |
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| Processing fees: |
5.5% + $0.45, no minimum |
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| Extras: |
Payment to you is made to your USA bank account, mailed check or wire transfer (check the site for wire transfer prices). |
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| Notes: |
You can sell services and/or tangible goods. Offer recurring billing feature. Free shopping cart included. Payments to you are made twice a month. |
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| Orders by: |
Creditcards, 1-900phone, online checks |
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| Locations: |
International (USA, Holland) |
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| Processing fees: |
Variable. Cards and checks
from 13.5-15%, 1-900 from 20-30%. See website for details |
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| Extras: |
10% 6-month rolling reserve.
Payments twice per month. Additional $15 for each chargeback. Includes an
account control center to view our account details and transaction logs. |
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| Notes: |
Verotel accepts customers who
offer software or content. They are wholly owned by Verza. If you sell anything
other than software or content, Verza will be cheaper. 1-900 billing and online
check acceptance are useful additional extras. |
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| Orders by: |
Creditcards, 1-900phone, online checks |
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| Locations: |
International (USA, Holland) |
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| Processing fees: |
Creditcards: 15% for up to
$10,000 in sales per billing period. Graded reductions for increases in volume.
Online checks: 15%. 1-900 billing: 20-35%. See website for details |
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| Extras: |
10% 6-month rolling reserve.
Payments twice per month |
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| Notes: |
Limited to sales of access,
content or services. Possibility of charging customers' phone bill instead of
credit card (US only). Offer recurring billing feature. Apparently, in order to
use realtime delivery with iBill, you need some custom CGI scripts. If you are
unsure about "realtime processing" versus "realtime delivery", consider reading
my e-book where
the terms are explained. |
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| Orders by: |
Creditcards (online, phone, fax, email), money orders, bank/wire transfer, check, cash |
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| Locations: |
International (USA, Germany) |
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| Processing fees: |
4% + $2.95. After 1000 orders, $1.95 +4% |
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| Extras: |
Mailing a check = $5
(USA=free), issuing bank also deducts $5. Alternatively you can have a bank
transfer ($2). Checks issued once per month. Useful control panel allows you to
email previous customers. Shareit has been around since 1996 |
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| Notes: |
They originally set out to act as a third
party for shareware writers, but will accept credit card orders for any product
or service. Based in Germany, are good for Europeans and allow you to accept
the Euro as payment. |
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| Orders by: |
Creditcards, MOs, checks, cash, online, phone, fax or mail |
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| Processing fees: |
3% + $3.00 (3% + $2.00 if 1000+
orders/month) or 20% if price is less than $15 |
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| Extras: |
USA Checks free of charge.
Eurocheck $12, USA money transfer $21, International wire transfer $21-40.
Payment once per month. |
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| Notes: |
Similar to Shareit, service is
for shareware authors. I'm not sure if other services/products are accepted.
Also offer free webspace, email accounts, mailing list and discussion forum. |
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| Processing fees: |
9% (8% in Nov/Dec) |
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| Extras: |
Reserve if your monthly volume
is $2000+. Payment twice per month. |
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| Notes: |
Limited to sales of physical goods. |
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| Processing fees: |
$1 +7.5%/transaction |
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| Extras: |
No-longer free! Only
issue checks. Charge $2.50 to process and send check. Withold 10% of checks
over $25 which is released after approx 90 days. Checks issued twice per month. |
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| Notes: |
Service is limited to "authors
of unique internet content and services. If you distribute your own original
information via web pages, files, or email, then ClickBank is ideal for you."
You have the option to recruit resellers for your products, all details handled
by Clickbank. You can also refer people to Clickbank and earn money if anyone
you send to Clickbank signs up and makes sales. Not for sale of physical goods,
recurring billing or with shopping carts |
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| Processing fees: |
13.5% hosting clients, 14.5% non-hosting clients. |
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| Extras: |
5% 6-month rolling reserve.
Payments every week after initial 10 day delay. |
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| Notes: |
Limited to sales of access, content or services. Called their 'wholesale'
program, they 'purchase' your services and then 'resell' them. This is
basically to avoid the intrepretation that they are reselling other companies
products. Processing period is one week. Website visitor comment:
CCBill demands to have your FTP information (password, etc.) in order to "run
some software on your site", something my web hosting company refused to allow.
Their explanation is that the only want to install a logo and a form or
something, which my hosting company refused, saying they can do it on their
behalf. Also have five pages of sign-up forms! |
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