Any good feedback on a credit card processing mrchant?

[sorella]

Using Paypal is fine if you're talking about a small store with a very limited product selection. In other words... you're just getting your feet wet. But to really be seen as a legitimate retailer, you'll need to accept more than Paypal.

When you just start out, you won't be able to negotiate for very good rates. You'll have to take what's out there... and be careful going for any merchant offering you rates significantly lower than others... there's definitely a catch. And when looking at the rates... really study them... the most important rate is what is the most expensive rate i the proposal (usually business and affinity cards). That's the rate that matters.

[habeeb24]

Ya for online marketing merchant are using the paypal,credit card ,Debit card etc.
And its really a safe.Right now in market there are lots of option for online payment,And almost all are good.So no need to worry, decide by yr self which payment gateway you need to integrate.

[econcepts]

I use Authorize.net as my Payment Gateway (this is not the merchant account ... just the gateway to your merchant account) and then I had a merchant account setup through my bank which Authorize.net talks to.

Authorize.net is superior to the rest but keep in mind, this is only the gateway that is used to determine whether a form of payment is accepted or declined. It provides the means for your cart to communicate with the merchant account.

Do your homework before you choose an actual merchant account (provider). There are a lot to pick from, but not all are credible. Look for the length of time they hold your funds before distributing them to you (dropping them in your bank account), the rate they charge for each transaction, etc...

One reason I went with a merchant account provided through my bank is that I knew they were credible. It's made a world of difference.

[habeeb24]

Paypal is good for me,I am using paypal from past 3 yrs and its very good .

[randytaylor789]

They are exactly getting started so I'd advice that they tries using a processor like Paypal because they don't charge you monthly fees. But, if you are ready to pay some monthly fees you may attempt the other option.