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    What's the easiest way for customers to pay me?

    Looking for a system where I can input someone's card details for them to make payment to me. Kinda like paypal but without setting up a paypal account. I've looked on paypal and they seem to offer the kind of thing I want for 20p + 3.4% a transaction. Sounds reasonable, wondered if anyone knew anything better or has any experience in the field?

    Just looking for something easy for both parties, don't think people will use the service so much if they have to pay by cheque.

    Thanks, rep given out as usual!

    81 Comments

    Google Checkout ?

    Original Poster

    midlandscomics;4600472

    Google Checkout ?



    Hadn't thought of that, good idea. Do they allow payments without the customer having to set up an account? Want it as easy as poss!

    I have been to peoples houses and they have card swipers which you can also use to take payment by inputting their details. I think it was either Barclycard or loyds, im sure all the banks do it by you may need a business bank account not personal...

    It was connected to their phone line and dialed out when they took payment.

    Not sure of the costs but might be an idea?!

    J

    Is this for use online or from a home business?

    Original Poster

    Home business, details given over the phone so can't swipe card in a machine.

    Just want to be able to process the same as when you phone and order something over the phone from a catologue for example.

    Original Poster

    google.com/sup…=en

    Looks like google won't be possible. Although what's to stop me just filling in the details for them? With their permission of course!

    You can pay via paypal without having to set up an account.

    protx.com

    By far the cheapest, go on their flat rate scheme as you are starting up.

    I used to use them for both of my businesses.

    Worldpay have a virtual terminal, great if you dont want to go to the expense and trobule of having a business bank account, business plan etc. Costs afortune to set upo and they hold your money for several weeks before giving it to you.

    It sucks, but unless you have a business account etc then you have very little choice.

    Banned

    What sort of turnover are you expecting?
    Unless its high then paypal is the best bet

    Benjimoron;4600567

    http://www.google.com/support/forum/p/checkout-merchants/thread?tid=5b388a4c611e515f&hl=enLooks like google won't be possible. Although what's to stop me just filling in the details for them? With their permission of course!



    with google you can input the figure onto a standard invoice which is pre drawn up and it emails that too the customer with a link to enter their details.

    colinsunderland;4601827

    What sort of turnover are you expecting?Unless its high then paypal is … What sort of turnover are you expecting?Unless its high then paypal is the best bet



    Not correct.

    Protx.com is by far the cheapest.

    Banned

    chester123;4602075

    Not correct.Protx.com is by far the cheapest.



    I thought they charged about £20 a month?
    If he does 20 x £10 transactions using paypal that would be about £11
    If he does 5 x £100 transactions it would be £18
    both cheaper than protx?

    Not really cheapest if you pay more, but thats why i asked for turnover.

    The charges you quote are indeed correct but once he reaches £20 with protx that is it for the month. The paypal fees will continue to mount no matter how many transactions are processed.

    Also with Protx the money would be instantly available and you would not have to deal with Paypal and their highly exploitable refund policy.

    Original Poster

    All looks good guys, will have a proper look tonight.

    Thanks for help so far, may have more questions tonight!!!

    Original Poster

    spann3rs;4600704

    http://www.digitalspy.co.uk/forums/showthread.php?p=23169465Is this of … http://www.digitalspy.co.uk/forums/showthread.php?p=23169465Is this of help?



    Thanks, but looks a little complicated. Looking for the easiest way to do it, think paypal or similar will be the way.

    Original Poster

    deathtrap3000;4600726

    You can pay via paypal without having to set up an account.



    But can I process the payment? I'm looking to be able to take phone orders where I can input the card details myself. Would this not look dodgy from paypal's point of view all coming from the same pc? I assume for it not to look dodgy you have to take the more expensive option (which includes a phone service, I assume that means you talk on the phone and input the details yourself???) which seems to be £20 a month and 3.9% +20p per transaction.

    I really don't know what sort of business and the cost of services you are offering, but an 0844/0845 number can be a good way? A five minute phone call (i.e the length of time ordering) could rake in enough to cover the 'cost of the product'...

    Only works well in certain situations

    Original Poster

    chester123;4600820

    protx.comBy far the cheapest, go on their flat rate scheme as you are … protx.comBy far the cheapest, go on their flat rate scheme as you are starting up.I used to use them for both of my businesses.



    Looks good, can't quite work something out though. £20 a month for 1000 transactions a quarter. Or if you upgrade to the higher package where you put more through (you'd think it would get cheaper) it's 10p per transaction, meaning that 1000 transactions costs £100 or £33.33 a month. That's at the cheapest level too.

    Also it says they only do part of the work and you'll be charged fees by your bank too and you'll need a merchant account, it doesn't say what these fees will be. I quite like the way money goes into my paypal account and it costs me nothing to withdraw it. Nice and simple to understand.

    Is there an easy way someone could explain to me roughly how much this would cost and how it would work in practice? Do I have to phone the orders through to them or do I put it on the web-site?

    All I want is to be able to process a payment quickly when a customer places an order!

    Original Poster

    bazzaric;4604369

    I really don't know what sort of business and the cost of services you … I really don't know what sort of business and the cost of services you are offering, but an 0844/0845 number can be a good way? A five minute phone call (i.e the length of time ordering) could rake in enough to cover the 'cost of the product'...Only works well in certain situations



    Good idea but I'm avoiding using any 08 type numbers. Want it as simple as poss!

    Original Poster

    colinsunderland;4601827

    What sort of turnover are you expecting?Unless its high then paypal is … What sort of turnover are you expecting?Unless its high then paypal is the best bet



    About 50k a year.

    Starting to think paypal may be the best option even if it's not the cheapest.

    Can someone clarify for me that when a customer phones me I can quickly put the details on a web-page and it'll take the money from their card and put it in my account? Needs to be as easy for me and customer as poss!

    Original Poster

    MinstrelMan;4601930

    with google you can input the figure onto a standard invoice which is pre … with google you can input the figure onto a standard invoice which is pre drawn up and it emails that too the customer with a link to enter their details.



    Thanks, but I'll be entering the details myself as they give them over the phone. Will this still work or will it look dodgy? Don't want to get problems with them blocking account as they think I'm stealing card details or anything!!

    Original Poster

    chester123;4602176

    The charges you quote are indeed correct but once he reaches £20 with … The charges you quote are indeed correct but once he reaches £20 with protx that is it for the month. The paypal fees will continue to mount no matter how many transactions are processed.Also with Protx the money would be instantly available and you would not have to deal with Paypal and their highly exploitable refund policy.



    Good stuff, I can imagine I would be slightly under the 1000 per quarter so £20 a month would be good.

    Could you explain a little more how it works (ie how would I input the info) and how the banking side would work? (ie I need a merchant account? How much?)


    Thanks for all help guys, making some progress here!!

    Not sure if this would be any help at all (not sure on set up costs etc) but what about mobilePOS?

    Something like Adelante?

    adelante.co.uk/mob…tml

    EDIT: Found this info on the site: MobilePOS costs just £90 to get up and running. After that we charge a small transaction fee every time you process a transaction and a small annual user licence fee every year. There is a minimum transaction charge of £10 per month per merchant account (not user!)

    Banned

    If you are going to be taking £50k a year i would get a proper merchant account

    Original Poster

    xsazzyjayx;4604722

    Not sure if this would be any help at all (not sure on set up costs etc) … Not sure if this would be any help at all (not sure on set up costs etc) but what about mobilePOS?Something like Adelante?http://www.adelante.co.uk/mobilepos_products.htmlEDIT: Found this info on the site: MobilePOS costs just £90 to get up and running. After that we charge a small transaction fee every time you process a transaction and a small annual user licence fee every year. There is a minimum transaction charge of £10 per month per merchant account (not user!)





    Thanks, all this merchant account stuff is confusing me, I think paypal looks the best option as they do it all and I can just pay into my normal bank account as usual???

    Original Poster

    colinsunderland;4604877

    If you are going to be taking £50k a year i would get a proper merchant … If you are going to be taking £50k a year i would get a proper merchant account



    Why? Is it much cheaper/easier than paypal?

    Banned

    I've paid with this company, but not used them to take money. I was curious though on its costs etc (as they do take CC payments)

    Costs look very good - though Ive not looked into the smallprint! 10p per transaction! There must be a catch!

    netpayments.co.uk/

    I'd appreciate feedback though if you do delve into it! (May use it myself at some point!!!)

    Original Poster

    guv;4604949

    I've paid with this company, but not used them to take money. I was … I've paid with this company, but not used them to take money. I was curious though on its costs etc (as they do take CC payments)Costs look very good - though Ive not looked into the smallprint! 10p per transaction! There must be a catch!http://www.netpayments.co.uk/I'd appreciate feedback though if you do delve into it! (May use it myself at some point!!!)



    All looks good, very similar to protx above.

    I think the merchant account bit is getting too complicated for me though. I'll give paypal a call and see if their service is suitable.

    Unless someone can confirm which account I need in order to take orders over the phone whereby I input the customers details into paypal to process the transaction.

    Thanks!

    Banned

    Benjimoron;4605033

    All looks good, very similar to protx above.I think the merchant account … All looks good, very similar to protx above.I think the merchant account bit is getting too complicated for me though. I'll give paypal a call and see if their service is suitable.Unless someone can confirm which account I need in order to take orders over the phone whereby I input the customers details into paypal to process the transaction.Thanks!



    Just looked at protx. So they are just secure servers to collect payments to a bank acceptance account you already hold? Does that sound about right?

    A merchant account is basically a bank accounbt linked to business use that you get from your local bank account. To get one you need a proper business plan, details of cash flow etc etc.

    Protox and Netpayments work int eh same way. No merchant account no card acceptance.

    Paypal and Worldpay offer bureau services where they take the payment and setup a "virtual" merchant account if you were. They charge more than a seperate merchant account and card acceptance service, but then not everyone can get a merchant account anyway, expecially if you are working from home (which can be quite difficult).

    So they are just secure servers to collect payments to a bank acceptance … So they are just secure servers to collect payments to a bank acceptance account you already hold?



    You need a merchant account for this, an normal account will not suffice.

    Banned

    Simon_G;4605101

    You need a merchant account for this, an normal account will not suffice.



    Yeh, thats what I meant by Bank accentance account! Couldn't think of the correct name!

    Puzzled what the need for them is! Surely the bank themselves can handle direct - or is it the premium they charge that makes these people viable?

    Worldpay prices for their WorldDirect account (Internet Merchant Account and card processing facilities)

    Setup - £200
    Monthly Fee - £30
    Charges...
    50p per debit card transaction
    4.5% charge on all other card payments
    6p per payment for fraud protection.

    The ability to take payments over the phone etc (called MOTO in Worldpay lingo) costs £100 to set up as a one time fee.

    So £300 to setup, £30 a month and 50p for debit cards, 4.5% for all other cards, and they will hold onto your money for up to 12 weeks (this does reduce the longer you are with them)

    With Paypal its different

    Website Payments Pro costs nothing to setup, £20 a month (and an additional £20 a month for the virtual terminal to take offline payments) and differing percentages from 1.9% - 4.4% + 20p per transaction.

    If you do more than £1,500 a month after 90 days of being on the service Paypal will put you on their merchant rates which are slightly cheaper.

    ***Paypal Smallprint ***

    If you do not have a functioning business website, you’ll need to provide the following items before your application can be reviewed:

    A copy of all applicable terms and conditions for your business including sales brochure and/or advertising of your goods/services, privacy policy, delivery policy and returns policy.

    or is it the premium they charge that makes these people viable?



    There you go

    The bank charge per transaction on a merchant account as do the card processing facilitator.

    The only real way to do it as a home based business starting out is via a bureau service, but look at the Worldpay prices I have quoted above, its not cheap, but then they do cover you well with fraud protection so its worth the money if you are going to be using it enough.

    Original Poster

    guv;4605084

    Just looked at protx. So they are just secure servers to collect payments … Just looked at protx. So they are just secure servers to collect payments to a bank acceptance account you already hold? Does that sound about right?



    Sounds right, the cheap things are just the terminals that allow you to do it, you still need the merchant account behind it for it to work (at further cost). That's what I've worked out today so correct me if I'm wrong.

    Banned

    Simon_G;4605149

    Worldpay prices for their WorldDirect account (Internet Merchant Account … Worldpay prices for their WorldDirect account (Internet Merchant Account and card processing facilities)Setup - £200Monthly Fee - £30Charges...50p per debit card transaction4.5% charge on all other card payments6p per payment for fraud protection.The ability to take payments over the phone etc (called MOTO in Worldpay lingo) costs £100 to set up as a one time fee.So £300 to setup, £30 a month and 50p for debit cards, 4.5% for all other cards, and they will hold onto your money for up to 12 weeks (this does reduce the longer you are with them)Paypal will be similar.



    Cash only please! :w00t::p

    Original Poster

    Simon_G;4605149

    Worldpay prices for their WorldDirect account (Internet Merchant Account … Worldpay prices for their WorldDirect account (Internet Merchant Account and card processing facilities)Setup - £200Monthly Fee - £30Charges...50p per debit card transaction4.5% charge on all other card payments6p per payment for fraud protection.The ability to take payments over the phone etc (called MOTO in Worldpay lingo) costs £100 to set up as a one time fee.So £300 to setup, £30 a month and 50p for debit cards, 4.5% for all other cards, and they will hold onto your money for up to 12 weeks (this does reduce the longer you are with them)Paypal will be similar.




    Paypal seems alot cheaper?

    paypal.com/uk/…iew

    No set up fee, no cancellation fee, £20 a month (not sure if that includes transactions, it suggests it might but I think it's just misleading), so just normal paypal fees on top of that, about 3-4% per transaction + 20p.


    paypal.com/uk/…ees

    For the amount I'd be doing, 2.9% + 20p.



    "* Discounted rates shown above apply to merchants that have fulfilled all implementation obligations of Website Payments Pro. Non-discounted rates and fees will apply to others and are 100bps higher than the fees set forth in the table above. Please contact our sales or technical support teams if you would like assistance in qualifying for disounted rates"

    Anyone work out what I've got to do to get this rate? Not sure what the obligations are?

    paypal.com/uk/…out

    I assume it's just that? Easy then!

    benji, see my post above regarding Paypal fees (which I have just added), i've broken it down for you....makes interesting reading, and no its not easy at all!
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