PayPal has grown too
big for its britches and has angered hundreds of thousands of users over the
past few years. For those of you that have listened to syndicated consumer
advocate Clark Howard ( www.clarkhoward.com <http://www.clarkhoward.com> )
this article is of no surprise. PayPal has cost merchants their livelihood
by freezing accounts with no warning, etc. and leaving them absolutely no
avenue of realistic appeal. PayPal has been sued by individuals, businesses,
state attorney generals, etc. and it appears that PayPal loses more often
than not. This article's intent was not so much to drag PayPal down even
further. That really isn't necessary as PayPal is doing an admirable job of
doing that itself. It is really intended to point out that there are a great
many very good alternatives to PayPal...and some that are even better. Is
this subject popular! Posted online June 21, 2005 it has been downloaded and
used over 2,000 times by newsletter publishers. That means that it was seen
by over 2 million readers in just 7 weeks. Check back often as we will
constantly update the list (120 alternatives to PayPal) that appears in this
article. And there will be new articles about PayPal each month.

To many web users, PayPal is not the kind of pal they had envisioned when
starting their online business. Long on track history but overwhelmingly
unpopular among merchants and buyers one is left to wonder why PayPal has
continued to grow. Ignorance and lack of knowledge has a lot to do with
PayPal's growth. Many merchants are not aware of the potential problems they
can encounter depending solely on PayPal for their online payment
processing. That is, until they encounter potential customers that won't use
PayPal to purchase their products or services. Or worse, they have their
PayPal merchant account suspended and funds frozen without notice,
effectively shutting down their business. <PayPal_Complaints_Google.jpg>
<PayPal_Complaints_Google.jpg>Image taken 06/21/2005: If you really want to
get some idea as to the depth of PayPal's unpopularity, you need only to do
a search on Google. Type in "PayPal Complaints"
<http://www.google.com/search?hl=en&q=PayPal+Complaints&btnG=Google+Search>
and click enter and see what happens. Over 335,000 results and still
counting. No other online merchant processor comes close to having this many
dissatisfied customers. <PayPal_Complaints_Google_small_1.bmp>
<PayPal_Complaints_Google_small_1.bmp>Updated 01/09/2006: This image is from
a Google search done about 6 months after the first (above) was taken.
Obviously, things have not improved. 335,000+ results have now increased to
1,180,000 listings for PayPal Complaints.
<PayPal_Complaints_Google_03_25_06.jpg>
<PayPal_Complaints_Google_03_25_06.jpg>Updated 03/25/2006: Not even three
months after the last update things certainly haven't improved. There are
now 2,070,000 listings for PayPal Complaints. That means the number of
complaints have almost doubled in a little less than 3 months and reflects a
600% increase in complaints in less than a year. We have used them for
approximately 5 years and have had numerous problems with them. As of a few
days ago we finally decided enough was enough and began looking for an
online processor to replace PayPal. You maybe one of the lucky merchants or
customers who are using PayPal but it would be a very smart decision to look
for a replacement now...or at the very least add a 2nd or possibly even a
3rd payment option to fulfill your online processing needs. 'Phishing' is
another reason many customers and potential customers are steering clear of
PayPal. Not that PayPal is doing the 'Phishing', but they are certainly not
making a big enough effort to stop it. And why should they? They are not
'Phishing' and they are not losing money. Only the customer is. Virtually
100% of online 'Phishing' associated with merchant accounts is done using
the PayPal name. And even seasoned web users are being scammed by this
technique. Customers can eliminate most, if not all, of the 'Phishing'
associated with online purchasing by simply using a different service. It is
that simple! And there are plenty of good alternatives to PayPal out there
that are hungry for your business. None are as big as PayPal and few have
been around as long as PayPal. But most are reputable and offer a wide
variety of services. And you most likely will never receive any 'Phishing'
messages using their names. So make the change now, before it is too late.
Our advice is to avoid PayPal if at all possible. And we also would advise
you to offer two different online payment options, with at least one
providing you with the ability to accept payments by check. And a word to
the wise! No matter which online payment processor you use, transfer funds
often to your bank account. One last note. One of the best web sites to
find in-depth information about PayPal and the tremendous and get a good
idea regarding the dissatisfaction among both merchants and customers can be
found at www.PayPalSucks.com <http://www.PayPalSucks.com>. Check it out and
you will be enlightened. Following, you will find the most complete listing
relating to online payment options. Brief outlines are meant only to give
you an idea of what they have to offer. We would suggest taking the time to
visit each site. Your customers will thank you. And you will most likely
eliminate a lot of headaches in the process. As always, you still need to
use due dilegence when considering a payment processor. Run a check on them
in Google <http://www.google.com> similar to the one used for "PayPal
Complaints"
<http://www.google.com/search?hl=en&q=PayPal+Complaints&btnG=Google+Search>
to see if they have an unreasonable number of complaints. 2CheckOut
2CheckOut has been offering its services since 1999. 2CheckOut charges
$49.00 to open an account with transaction fees of 5.5% plus 45 cents. It
does not charge an application fee nor does it impose any monthly or
statement fees. <http://www.2CheckOut.com> A1-Merchant-Account.com All
internet commerce merchants are provided an EZ-Payment Gateway, Buy_me
Buttons and the I-store in addition to a merchant account. It's up to you
how you plan to use these tools. Rates are as low as 2.39% and 30¢ per
transaction. <http://www.a1-merchant-account.com/> ACH Payment Processing
ACH Processing is an electronic payment system that allows your business to
save both time and money (ACH Processing explained). The ACH processing
network will allow you to electronically debit and credit checking and
savings accounts. We provide you simple to use, powerful, secure ACH tools
that make getting paid easier for your business.
<http://www.ach-payments.com/> AlertPay The AlertPay Premium account is
perfect for buying and selling online with the option to do business under
your personal name or under a company/group name (some business type
restrictions apply). Send money easily and for free. Receive money from all
your businesses to one account at a competitive rate of 2.5% + $0.25 per
transaction. AlertPay also offers a very unique "Unlimited Email
Associations" exclusive. If you have multiple businesses online and want to
show the appropriate name and payment email for each business but don't want
to open multiple accounts you are allowed to associate multiple emails with
your AlertPay account for that precise reason. All your payments will go
into the one account, but you will know exactly which email that payment was
sent to. Also you will be able to sort your payments by email allowing you
to keep track of multiple businesses all in one account!
<http://www.alertpay.com> Alliance Payment Technologies The Versatility of
the AllianceACHtm Web Gateway brings a myriad of uses to the business world.
Alliance Payment Technologies designed this Secure Gateway for multiple uses
including submitting single transactions, setting up recurring billing
accounts, paying payroll through direct deposit, accepting checks on your
web site, and batch uploads for large file submission. Virtually any
business that has an Internet connection will find this service a highly
valued addition to current payment acceptance methods
<http://www.allianceach.com/> AuctionCheckout AuctionCheckout is a credit
card payment service providing discounted merchant services for sellers on
eBay and other auction sites. Can be used with eBay, Yahoo, Overstock and
the seller's own website. <http://www.auctioncheckout.com/> Authorize.Net
An Authorize.Net Payment Gateway account enables you to accept credit card
and electronic check payments from your e-commerce Web site. Authorize.Net
also provides an exclusive, fully integrated electronic check payment
method, eCheck.Net. <http://www.authorize.net/> BitPass No set-up or
maintenance fees for self-installed product. Fees for BitPass Professional
range from 15% for items priced $0.01-$5.00 up to 5% + $0.50 for items
priced $5.00 and higher. BitPass provides a platform for digital content
commerce that bundles authentication, payment, and access control. BitPass
enables a la carte and subscription-based purchases at any price point,
starting at just one cent. Digital content can be Downloads - Music files,
stock photography, games, software, movies, mobile content, crafts; Website
Access - Premium website content, Interactive games, subscription sites,
online comics, blogs, interactive panoramic photography; Streaming Media -
internet radio, concerts, webisodes, movies; and Services - premium database
searches, web hosting services, webinars, premium customer support,
interactive learning and testing. <https://www.bitpass.com> BT Buynet BT is
a fast flexible and secure credit and debit card processing service. You can
take card payments over the WEB and by PHONE. BT Buynet accepts all major
credit and debit cards. BT Buynet offers real time authorization and fast
settlement. BT leads the market and employs the latest security technology:
3-D Secure, Verisign Certificates, Encryption and Firewall technology.
<http://www.epayments.bt.com/> Cardservice International Cardservice
International, in business since 1988, provides the expertise and
reliability to enable merchants to accept credit cards, ATM/debit cards and
checks. Offers free set-up and free application. Free Internet Processing
Software allows merchants to manually enter credit card transactions via a
PC browser, through a secure connection to the Internet. Free Linkpoint
VirtualCheck™ enables customers to pay for their online purchases with a
secure electronic check. Call 1-877-891-8413 or email
support[@]cardservicespecialoffer.com for fee information.
<http://www.995merchantaccounts.com/home> Cardservice Loud LinkPoint®
Secure Payment Gateway suite of products provides powerful business tools
that are designed to improve payment processing and decrease the transaction
time. They have specifically chosen products to help you, the small to
medium-size business owner. Whether it is a point-of-sale terminal or mobile
equipment, or in-store, their solutions help you organize your transactions,
help manage a restaurant or run a mail order or Internet business.
<http://www.merchantaccounts4less.com/> CCNow CCNow is the perfect low cost
solution to selling your products online. With CCNow, you'll avoid the
up-front expense and time required to set up e-commerce software, merchant
accounts, customer service and more. CCNow is a shopping cart system that
will allow you to take all major credit cards without the need of a merchant
account. <http://www.CCNow.com> Charge.Com Offers Free Setup, Free Shopping
Cart Software, Free Application, Free Internet Check Software, Free
Technical Support and Free Search Engine Submission. Transaction fees of
2.39% plus 25 cents per transaction are reasonable but they do charge a Bank
Statement Fee of $10 per month and a Payment Gateway Fee of $29.95 per
month. <http://www.charge.com/index.shtml> ChargeGateway The ChargeGateway
system easily integrates into your website to enable you to process credit
card payments quickly and cost effectively. The ChargeGateway solution
supports multiple currencies and multiple languages and is available to
merchants around the globe. <http://www.chargegateway.com/> CheckFree
Corporation CheckFree Payment for Online Retailers is an e-payment solution
that enables online merchants to offer their customers an easy way to make
purchases with their checking or money market accounts.
<http://www.checkfree.com/> ChronoPay As a full service payment processing
company, ChronoPay offers businesses a wide variety of payments solutions,
including transaction processing for credit cards, debit cards and Online
checks. They also provide dedicated Merchant and Customer Support, with
ChronoPay Support Representatives available24/7/365. Additionally, they
offer all Merchants access to the tools and resources needed to implement
E-commerce, as well as experienced technical support, the most effective
antri-fraud system and other related Merchant and E-commerce processing
services. <http://www.chronopay.com/> ClickBank If you have a unique product
or service to sell, and it is deliverable over the Internet itself (via web
pages, files, or email) then ClickBank is for you. They have 100,000
affiliates ready to promote your product. There is a one-time set-up fee of
$50.00. Transactions are $1.00 plus 7.5%. <http://www.ClickBank.com> Credit
Card Processing Services Offering its services since 1996, it is one of the
oldest in existence. No application fee with instant approval. Transaction
fees are 2.29 % plus 30 Cents. Monthly Customer Service Fee is $10.00 and
Monthly Gateway Fee is $19.95. There is also an Annual Fee (Charged within
90 Days of Activation) of $99.00. <http://www.mcvisa.com> DaoPay World
leader in telephone payment. Payments via voice and SMS. DaoPay adds your
invoice to the customers phone bill. Your customers don’t need Credit cards,
they don’t need a Bank account - all they need is a working Telephone.
Include DaoPay in your web site and let people from around the world pay
you. Sell them your content in the most flexible way existing on the planet
today. <http://www.daopay.com/> DigiBuy Using DigiBuy's ecommerce service,
you can quickly and inexpensively build a secure shopping cart to
merchandise your products, take orders online, process payments, and
distribute digital products over the Internet. Transaction fee is 13.9% with
a $3.00 minimum. <http://www.DigiBuy.com> EasyCharge EasyCharge offers one
of the better packages we've seen. It includes: A credit card merchant
account for immediate transaction processing; Secure, encrypted, SSL (Secure
Socket Layer) for secure transactions; Internet processing software allows
you to instantly accept credit card payments in real-time over the Internet;
A Web-based terminal for easy processing credit card orders manually; Accept
all Major Credit Cards including Visa, MasterCard, American Express, and
Discover; All funds are promptly wired into the checking account of your
choice; Convenient online reporting and management of your transactions; No
Application Fee; No Setup Fee; No Paperwork. Your application is quickly
completed online; No Annual Fee; FREE American Express Setup; FREE Internet
shopping cart for your web site; and FREE Search engine submission - they
submit your web site to all of the major search engines.
<http://www.easycharge.net> E-Gold Worldwide electronic monetary/payments
system. E-Gold is integrated into an account based payment system that
empowers people to use gold as money. It costs nothing to open an e-gold
account. There is no credit check. There is no minimum balance requirement.
There is no concept of a "merchant account" in that all e-gold accounts may
spend e-gold or receive e-gold payments. All e-gold account holders are
Originators. When you direct a new user to the e-gold system using these
links, they become your Progeny. You will be the beneficiary of incentive
payments generated by the Progeny account. <http://www.e-gold.com/>
Electronic Transfer The Fast Charge Payment Gateway™ enables you to
automatically accept, authorize and process secure credit card orders
directly through your web site or virtual terminal. No software or hardware
is required and you can process from any internet connection. Several other
options are also available. Fees are reasonable.
<http://www.electronictransfer.com/main/> e-onlinedata e-onlinedata is one
of the nation's most trusted merchant account providers for US based
companies. They offer a complete line of real time credit card processing
solutions for Internet, Mail Order & Auction sellers. Their thousands of
merchants vary in size from startups to billion-dollar companies.
<http://www.e-onlinedata.com/> Etransactus etransactus provides a suite of
business software that incorporates the concept of "Straight Through
Processing" (STP), which is a seamless electronic process that encompasses
the entire life of a customer's order, end-to-end from acquisition through
to delivery and collection of payment. With STP, data is entered just once
and is then instantly available everywhere down the line.
<http://www.etransactus.com/> FirePay FirePay is the Internet's
fastest-growing alternative to credit card payments. Catering to merchants
whose consumers may not be able to make transfers by credit card, FirePay is
a fast and easy option that has been adopted by hundreds of thousands of
consumers. FirePay's very simple sign-up and fund process for first-time
users means that consumers can return to your site within minutes.
<http://www.firepay.com/> Free-Merchant.com Online application is free as is
the Credit Card Processing Software. Free-Merchant.com has been offering
services since 2001. Transaction fees of 2.39% plus 25 cents per transaction
are reasonable but they do charge a Bank Statement Fee of $10 per month and
a Payment Gateway Fee of $19.95 per month. <http://www.free-merchant.com>
Free Merchant Source Free Merchant Source is a merchant account internet
provider for real-time or batch credit card processing services. They offer
complete merchant account services that enable you to begin processing
credit cards immediately. Provides FREE Terminals, FREE Software combined
with $0 Application Fees and $0 Set-up Fees. Transaction fees of 2.49% plus
35 cents per transaction are reasonable but they do charge a Bank Statement
Fee of $10 per month and a Payment Gateway Fee of $20 per month.
<http://www.freemerchantsource.com> GatewayFast By accepting online
payments (checks and credit cards) in real-time from your company website
you can increase your net profits. The Pay-Me-Now gateway provides
state-of-the-art payment solutions for your business website. By adding our
online check acceptance solutions, you can most likely lower your cost of
accepting payments online. Normally the cost to process an online check is
much more favorable than accepting a credit card payment. When you accept
credit cards, having your own merchant account provider can give you the
benefit of your own financial institution to protect you and your customers.
PayPal, ProPay and others will not do that for you!
<http://www.gatewayfast.com/index.html> GottaPay The fast, low cost & truly
international way to start accepting online payments instantly. All you have
to do is sign up for a GottaPay account and in minutes, you will be
processing. GottaPay offers a variety of funding options, by credit card,
check, PayPal, 900 Pay, or E gold. GottaPay gladly accepts all types of
sites without you ever having to worry about your account getting closed or
frozen. Claim that they will never close anyone's account unless it is due
to spam or fraud. <https://gottapay.com/> Graphcard Graphcard acts as a
means of payment for 1/3 (250 million) internet users in over 260 countries
who don't have access to traditional credit cards. The market is projected
to be one third of the world's 750 million internet users. Graphcard enables
Internet users to spend cash online. At least a third of Internet users
around the world do not have access to the traditional credit cards to pay
with. Also those who have credit cards but prefer to pay by cash can do so
securely online. Graphcard also has a patent pending algorithm that allows
Graphcard members convert their fund to online Non personalized Visa prepaid
debit card to make purchases online. <http://www.graphcard.com/> GreenZap
Touts itself as being your fun, fast, online payment portal that allows you
to spend, send, receive, do just about anything with money online. It offers
a lot of options so we would suggest visiting their web site to review all.
Would not recommend it as your primary option but it should be considered as
a secondary option for handling payments.
<http://www.greenzap.com/default.asp> Ibill In business since 2002, Ibill is
perfect for merchants that sell services and subscriptions. Merchants can
accept payments online by credit card, check, and phone. Has numerous fee
schedules but the most common is for businesses that sell up to $9,999.00 in
a billing cycle. That charge is 15.19%. <http://www.ibill.com> Ikobo This is
a money transfer service that has been providing services since 2001. No
application fee or set-up fees and transaction fees range from $1.99 - $2.99
plus 29 cents. Payments that are received are deposited to your Ikobo Visa
Debit Card or your bank account. <http://www.IKobo.com> InChek Offers a
full range of electronic merchant services, providing flexible, convenient,
and comprehensive solutions for your company. They can customize programs
for both your credit/debit card and check processing needs, reducing your
costs across the board and improving customer service.
<http://www.inchek.net/> Kagi Kagi is the Merchant of Record and provides
extensive, patented payment processing suitable for local and global
markets. Claims to have more payment options than anyone else. Offers
Shopping Cart Software with flexible and easy capabilities that get you up
and selling fast. And whether you sell software or housewares Kagi has
solutions to support you. <http://www.kagi.com/index.php> Merchant Experts
They offer ecommerce merchant accounts for International and Domestic
transactions to give you an enormous client base. Online merchant account
specialists are available to answer any questions you have about taking your
business online. As a prospective Internet merchant, you will fall into one
of two categories: experienced or novice. In either case, you are going to
require the same tools in Internet merchant accounts to succeed. No
application or setup fees and claim to have the lowest rates in the
industry. <http://www.merchantexperts.com/> Merchant Express Claims that it
can setup your business with a merchant account to accept all major credit
cards and bank ATM Debit cards, at the lowest possible cost.
<http://www.merchantexpress.com/> Moneybookers Ltd. Moneybookers enables any
business or consumer with an email address to securely and cost-effectively
send and receive payments online – in real-time! Moneybookers delivers a
product ideally suited for small businesses, online merchants, individuals
and others currently underserved by traditional payment mechanisms. Does not
charge for set-up or applying and has no monthly fee. Transaction fees range
from 2% - 8%, depending on how payments are made. <http://moneybookers.com>
Money Tree Merchant Services Money Tree Merchant Services offers several
credit card processing software programs to enable businesses to process
transactions online. Some packages include processing software, shopping
cart, and a virtual terminal. <http://www.cardpay.net/> MonPay Monpay has
been doing business since 2003. With it, you can sell products and services
on web sites, auctions, and even by email. It does not charge for set-up or
applying and has no monthly or hidden fees. Transaction fees for checks or
credit cards are 2.95% plus 55 cents. <http://www.monpay.com/> Monster
Merchant Account Monster Merchant Account is an online merchant account
provider for real-time or batch credit card processing services. Their
complete merchant account services enable you to begin processing credit
cards immediately. <http://www.monstermerchantaccount.com/> Pay66 This
service allows any individual or business with an email address to securely,
easily and quickly send and receive payments online. It does charge an
annual fee of $19.99 but we still believe this is a pretty good service.
Opening an account is free, sending money is free, and receiving money is
free. There are a few fees for unusual services but they are very
reasonable. <http://www.pay66.com> PayByWeb For more than 14 YEARS,
Paybyweb has provided merchant services to companies large and small. From
start ups and home based businesses to companies you have likely heard
of....such as: AAA Motor Club, Investor's Business Daily. Companies such as
Olan Mills Portrait Studios, Jenny Craig, Allstate Motor Club, Glamour
Shots, Montgomery Ward, and THOUSANDS of other companies worldwide have
utlized Paybyweb's merchant services, since 1992. You can start accepting
Credit Cards for your website, or business with your OWN merchant account.
Why use Paypal or a 3rd party account when you can have it all in YOUR name.
YOUR business name shows up on your customer's statement. The way it should
be. <http://www.paybyweb.com/> PayDotCom Offers affiliate marketing program
which is integrated with your PayPal or StormPay account. And because of
these limited affiliations we cannot recommend it at this time. We've
already discussed the numerous problems with PayPal and StormPal just ceased
operations (March 24, 2006). If PayDotCom offers a few other payment
processors we would highly recommend this service.
<https://paydotcom.com/homepage.php> PayMate Claims it is the fastest and
safest global trading service on the Internet. It has no set-up fees,
gateway fees, etc. Has a very high User Satisfaction and continues to add
new improvements on a regular basis. Transaction fees for credit card
payments are charged at 2.4%. Please visit their web site for more
information on transaction fees. <http://www.paymate.com.au> Payment Online
Payment Online's solutions are designed to provide you with a single-source
online payment system for your complete ecommerce needs, all-in-one solution
including merchant account. They offer no-hassle merchant accounts through
their 7 merchant account providers. The VISA/Mastercard rate varies from
2.1%-2.3% depending on product type being sold online. Additional fees may
apply. Your Internet Merchant Account program will provide details of any
additional fees, if it applies. <http://www.paymentonline.com/>
<http://PayPalSucks.com> <http://PayPalSucks.com> Paynet Systems Merchant
Services include access to all major credit cards and regional debit
networks, cutting edge Check Guarantee Services with electronic deposit, and
point-of-sale solutions that are priced not only to be competitive but also
unbeatable! <http://paynetsystems.com/> PaySat With PaySat you can sell your
products/services Online and enjoy such features as: International Merchants
Accepted; Instant Application Approval; Product and Recurring Billing; Easy
To Use Plug-N-Play Code; Flat Low Rates; No Set-up Fee; Multi domain/brand
support; and Intelligent Fraud Detection System. PaySat is only in its 2nd
year of operation but has a pretty good reputation. Transaction fees are
5.3% plus 39 cents. <http://www.paysat.com/main.aspx> Paystone Great service
that started in 2002. Free to open an account with instant approval. Fees to
receive payments range from 2.8% + $0.10 for micropayments to 2.8% + $0.30
for transactions over $5.00. There are no set-up or monthly fees.
<http://www.paystone.com> PaySystems PaySystems Internet Merchant Account
Solution is designed to meet the specific needs of Internet and
mail/telephone order merchants. Available for U.S. and European-based
businesses, the PaySystems Internet Merchant Account Solution allows
merchants to expand their payment options, increase sales and focus their
management efforts on growing their business. PaySystems has no application
fees and no merchant account set-up fees. Offers highly competitive rates on
transaction fees but you must contact them using their online form at
<http://eforms.paysystems.com/ps/info/> for more information.
<http://www.paysystems.com> PPPay PPPay is an online payment system that
enables businesses and individuals who are trading online to send and
receive escrow and instant payments in GBP's, Euro's and US Dollar using
Visa and Mastercard debit and credit cards. <http://www.pppay.com> Premier
Payments Online (Site Comments) Premier Payments Online is the premier
payment services provider dedicated to providing online businesses with
payment processing and merchant support services. Whether your business
processes tens of credit card transactions per month or millions, Premier
Payments Online can assist. Our company objectives are to assist clients in
acquiring merchant processing ability and providing cutting-edge turnkey
technology to process credit card transactions via the web. Could not find
fee structure online. If interested, you can email them at
sales@premierpaymentsonline.com <mailto:sales@premierpaymentsonline.com> for
more information. <http://www.premierpaymentsonline.com/> ProPay USA With
ProPay, merchants can accept payments by credit card on the Internet and by
phone. There is no expensive equipment, no statement / gateway fees and no
long term contracts to use their service. Annual fees range from $34.95 -
$299.95 with transaction fees ranging from 3.50% plus $0.35 to 2.69% plus
$0.25, depending on the type of account you desire. <http://www.ProPay.com>
QuickCommerce by E-Commerce Exchange Designed for any level of e-commerce
vendor, this five-star rated payment solution is particularly well-suited
for the smaller, entry-level vendors that may not have a lot of experience
with e-commerce. <http://www.qc123.com/qc/websitezone/> RegNow RegNow is the
software industry’s premier registration commerce provider. RegNow makes
running a successful online shareware or software publisher business easy by
putting a highly advanced platform, customizable technology and powerful
resources right at your fingertips. No charge to apply but there is a
one-time account activation fee of$9.95 and transaction fee is 16% with a
$2.00 minimum charge. <http://www.regnow.com/> RegSoft.com In business since
1998, RegSoft.com provides an easy system for users to pay for software and
data licensing fees by providing a variety of payment methods. There is a
one-time set-up fee of $50.00 and transactions are processed at 8.9% with a
$3 minimum. <http://www.regsoft.com> SECPay SECPay provides one of the most
cost effective card authorization solutions available by offering a fixed
rate or percentage based tariff. For merchants selling high value goods or
services they recommend choosing their fixed rate tariff which keeps
transaction charges to a minimum. Their system includes multi-currency
functionality, and an integrated virtual terminal. Technical support is
24/7/365 and a free service. SECPay clients include entrepreneurs, SMEs,
charities and large blue chip organizations. <http://www.secpay.com/>
share-it! share-it! is used by over 30,000 Software Publishers for their
e-Commerce Solution. share-it! works on a commission basis. In other words,
after licensing your program, they retain a service charge of either
USD/EUR* 2.95 + 5% (Pricing Model A) or 14.9% but no less than USD/EUR* 2.50
(Pricing Model B) and ) and forward the remaining amount to you.
<http://www.shareit.com> <http://www.stormpay.com/?2330618>
<http://www.stormpay.com/?2330618>StormPay Please Note: As of March 24, 2006
StormPay ceased offering processing for online payments. That is, except for
products offered through its auction services. After reading the policy that
was incredibly difficult to decipher, I would not suggest using even that
remaining service. But for you die-hards out there, you can go to
https://www.stormpay.com <http://www.stormpay.com/?2330618> for more
information. SWREG SWREG, the oldest online software store in the world, has
been in existence since 1987. All their prices include credit card
processing on their merchant account. Technically, you sell to SWREG on
consignment and they sell on to the end user. SWREG accepts Micro Payments
for 69 cents for items to $7 in value. Default discount is $1 + 6% with a
minimum fee of $1.50 (2% surcharge for American Express). This account will
be charged a $20 monthly fee with the first payment to you each month made
with no transmission costs (free wire for instance). Visit
<http://www.swreg.org/pricing.htm> for complete pricing information.
<http://www.swreg.org> Total Merchant Services Offers a comprehensive line
of payment solutions for your business- credit card acceptance, debit cards,
and check acceptance - for all types of businesses including retail
storefronts, restaurants, hotels, service companies, wireless merchants and
mail, telephone or Internet order businesses. Rate and fee structure is the
most competitive in the industry.
<http://www.lowcost-totalmerchantservices.com/> Total Payment Solutions
Total Payment Solutions boasts that it is the perfect answer for charge card
processing and Mail Order, Phone Order, and Internet merchants. No charge to
apply or set-up but there is a Payment Gateway fee of $10.00 per month and a
Bank Statement Fee of $10.00 per month. Transaction fee is 2.30% plus 30
cents, which is reasonable. <http://www.totalpaymentsolutions.com> Total
Web Solutions E-Commerce Plus provides the most cost-effective and secure
way to enable you to clear credit card transactions immediately, from your
website. Real-time transactions make e-commerce easier and more efficient
for you and your customers, saving you time and money, and improving
customer service. E-Commerce Plus automates most of the transaction,
management and administration you may currently do yourself, and it negates
the need for offline credit card terminals which could remove costly monthly
rental fees. Total Web Solutions 'E-Commerce Plus' Solution comes with
transaction fees as low as 1% because of their direct relationships with
credit card Clearing Banks – Streamline (Natwest and Royal Bank of
Scotland), Barclaycard Merchant Services and HSBC. Most web hosting
companies that offer e-commerce services, do so by using a third party
clearing company which inevitably increases the cost to their customers.
<http://www.totalwebsolutions.com/> U.S. Merchant Systems U.S. Merchant
Systems provides its online merchant account clients with electronic payment
gateways from several companies, including Authorize Net, Intellipay and
Ezic. <http://www.usms.com/usmsdefault.htm> Velocity Payment Gateway A
Velocity internet merchant account will allow you to process credit card
payments online, by mail order or over the telephone. Credit card payments
can be taken easily by call centers, or on the move from a laptop, PDA or
mobile phone. Use their proven tools to minimize your risk and protect your
online venture from fraud. Velocity Merchant Services accepts Merchant
Account Applications from merchants categorized as high risk. These include:
Internet Gambling, Internet Gaming, and Online Pharmacy.
<http://www.velocitypay.co.uk/> Wire Card AG Wire Card AG is one of
Europe's leading providers of payment systems, risk management and
communication services. The company offers customers a wide range of payment
options (credit card and debit card, direct debit, bank transfer, invoicing,
and cash in advance) as well as CLICK2PAY, an alternative Internet-based
payment solution. In addition to handling transactions over the Internet,
the software platform seamlessly integrates all sales channels includes Call
Centers and conventional POS. <http://www.wirecard.com/> Xcoin Xcoin is
simple to use. Managing small payments through Xcoin is very similar to
sending and receiving email messages. You only need a valid email address
and an Internet connection to request or send funds online. Our web-based
online solution enables our customers to perform financial transactions in a
secured 128-bit SSL encryption Internet environment. Unlike traditional
methods, sending, requesting and viewing payment transactions can be done
from anywhere you have Internet access. <https://www.xcoin.com/> Other
Options Worth Looking At: Acceptiva at <http://www.acceptiva.com> ACH by
Electracash at <http://www.electracash.com> All Options at
<http://www.alloptions.com> Barclaycard Business at
<http://www.barclaycardmerchantservices.co.uk> Bibit Global Payment Services
at <http://www.bibit.com> BillingFrance at <http://www.billingfrance.net>
BluePay at <http://www.bluepay.com> Bucks Net Services Limited at
<http://www.bucks.net> BuyerZone at <http://www.buyerzone.com> Card444
Virtual Payment System at <http://www.money-around-the-world.com> CI-Card
Limited at <http://www.ci-card.com> ClearCommerce at
<http://www.clearcommerce.com> Commerce Payment Systems at
<http://www.commercepaymentsystems.com> CyberSource at
<http://www.cybersource.com> DataCash at <http://www.datacash.com> Direct
Connection CCS at <http://www.directconnectionccs.com> eCharge Corporation
at <http://www.echarge.com> eDough at <http://www.edough.com> Electronic
Clearing House at <http://www.echo-inc.com> ePDQ at <http://www.epdq.co.uk>
Express Merchant Processing Solutions at <http://www6.empsebiz.com>
FreeAuthNet at <http://www.freeauthnet.com> GoEmerchant at
<http://www.goemerchant.com> HSBC Bank Secure ePayments at
<http://www.hsbc.co.uk/1/2/home> IntGold at <http://intgold.com> iTransact
at <http://www.itransact.com> Merchant Advisors at
<http://www.onlinecheck.com> Merchant Warehouse at
<http://www.merchantwarehouse.com> MSI Merchant Services at
<http://www.merchantservices.com> NetBanx at <http://www.netbanx.com>
NetBilling Services at <http://www.netbilling.com> NetPayments at
<http://www.netpayments.co.uk> NETELLER at
<https://www.neteller.com/home/index.jsf> NOCHEX Online Payments at
<http://www.nochex.com> Optimal Payments at <http://www.optimalpayments.com>
Pago at <https://www.pago-international.com> PayByCheck at
<http://www.paybycheck.com> PayingFast at <http://www.payingfast.com>
PaySwiss at <http://www.payswiss.com> Peppercoin at
<http://corp.peppercoin.com> Protx at <http://www.protx.com> Qchex at
<http://www.qchex.com> QuickSales at <http://www.quicksales.com> Remark
International at <http://www.remarkinternational.net> SafePay Solutions at
<http://www.safepaysolutions.com> Secure-Bank at
<http://www.secure-bank.com> securetrading at <http://www.securetrading.com>
Superior Merchant at <http://www.superiormerchant.com> VeriSign at
<https://www.verisign.com/verisign-business-solutions/merchant-service/index
.html> WorldPay at <http://www.worldpay.com>
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