Taking credit cards online

There's no way to avoid charges - wish I was in the online card processing business! My only reservation about Paypal is image - to my mind, having your Visa card processed directly makes it look like you're dealing with an established business, while my perception of Paypal is that it makes you look like a hobbyist (and it puts an extra step in the payment process where the customer has to sig up with Paypal before paying you). Does this sound reasonable to you, or am I a bit behind the times? For the record I'm a satisfied Paypal user but I've only ever seen it on eBay auctions, not on a business website.

Scott

Scott,

We provide Credit/Debit card facilities for small businesses and new startups, there are a number of options available to you, obviously any advice I offer you will be biased. By the sounds of it you have spent some time looking into the market and discovered a lot of the options; the things that you need to look out for are the other charges; a number of providers will offer good headline rates however the other charges, which seem like small amounts actually change these rates significantly.

If you would like to find out more about our services, or even just get an insider's opinion on the best option for you please feel free to contact me.

Regards,
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Mike Bartlett

Credit Collection Centre

www.creditcollectioncentre.com">href="http://www.creditcollectioncentre.com">www.creditcollectioncentre.com

mike@creditcollectioncentre.com

I applied for a Fast Hosts eMerchant Account. We have a good trading history and for some reason our application was rejected by Optimal Payments. I'm glad actually, because we then came accross a company called Velocity who welcomed us with open arms.

Check out: http://www.velocitymerchantservices.com/

I would steer clear of PayPal for business use. I've had no problems using them, and the system is pretty good, it just puts people off. Velocity comes very highly recommended.
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Kind Regards,
Adam.

Originally posted by: doughtsh
My only reservation about Paypal is image - to my mind, having your Visa card processed directly makes it look like you're dealing with an established business, while my perception of Paypal is that it makes you look like a hobbyist (and it puts an extra step in the payment process where the customer has to sig up with Paypal before paying you).

FYI - Paypal can now take CC payments without the customer having to sign up with them.  They also allow you to customise the payment pages so they co-ordinate with your site.  There is no doubt that working through your own merchant account is by far the most professional - but if you can't afford that then there is really no reason to not use PayPal.

If your dealing with UK only customers then take a look at nochex. Its similar to paypal but less intrusive and has no setup fees but isn't a real merchant account.

Lyndon
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Velocity Runs 2 services

1. www.velocitypay.co.uk - This is you have a merchant account with someone else and we are acting as your payment gateway. Fees are £18.00 pcm and includes 350 free transaction.

2. www.velocitymerchantservices.com. This is a complete end to end solution where we provide both the merchant account and gateway services. This is not a bereau service but a full fledged merchant account. Fees are £100.00 set-up, 20pcm service fee and transaction fees dependant on your company circumstances.

Hope that helps

Velocity Support

Originally posted by: VelocityPay

Velocity Runs 2 services

1. www.velocitypay.co.uk - This is you have a merchant account with someone else and we are acting as your payment gateway. Fees are £18.00 pcm and includes 350 free transaction.

2. www.velocitymerchantservices.com. This is a complete end to end solution where we provide both the merchant account and gateway services. This is not a bereau service but a full fledged merchant account. Fees are £100.00 set-up, 20pcm service fee and transaction fees dependant on your company circumstances.

Hope that helps

Velocity Support

Velocity, does this mean there is no need to open a business bank account to have a merchant account with you?

Cheers

You will still need to have a business bank account or in the case of a sole trader an account with your name on it. The business account can be with any bank as long as they are on the IBAN and BACS systems which all UK and most EU banks are.

Hope that helps

VP Support

Thanks for your adviced. It was very helpful and you were absolutely right about Barclays Bank, l have been their customer as well for over 10years and they did not consider me good enough to qualify for such an arrangement.

I got so upset l have now moved most of my banking activities over to some of their competitors.  Let see how they like that.

Esther.