Integrating Paypal - Do it through Sage Pay or not?

[dazfree]

Hi,

I'm planning to integrate Paypal into our website (Magento) to see if there is any effect on sales.

We currently just offer Sage Pay on the site. However I see in Sage Pay there is the facility to integrate Paypal through the Sage Pay interface or should I just do it direct (e.g. add the Paypal button to the basket page) and keep it out of Sage Pay?

What is the best way to do this? Any advice would be much appreciated.

Thanks,

D

 

[wayzgoose]

If I remember rightly back to when we had a Sagepay account, if you do it through them, you'll end up being charged twice. Better to keep the Paypal payment separate.

 

[Hunting Solutions]

If I remember rightly back to when we had a Sagepay account, if you do it through them, you'll end up being charged twice. Better to keep the Paypal payment separate.

Good advice there.

 

[Clodbuster]

You frightened me there - been using it for ages.
I've checked and I am not being charged twice. Cards processed through Paypal are reflected on the Sage transactions but they are charged with the standard PP deduction and credited to your bank by PP. You are not charged by using Sagepay and going through your Banks merchant account - the funds don't go through your Sage>bank process.

 

[LMDServicesUK]

In most cases it is easier and cleaner just to offer PayPal as a separate Payment option on your website and let the customer decide how they want to pay.

It keeps the admin far simpler and you do not run the risk of being charged by SagePay for passing the transactions through their gateway, that they are not actually doing anything with..

For what its worth we can also offer a far more cost effective gateway solution with good Merchant acquiring rates than is currently available from SagePay, so if you would like an indicative quote please PM me..

Rgds

Mark

 

[RepricerExpress]

If you're integrating PayPal to see what effect it has, then I would have to agree with Mark—that you keep it as a separate payment option so that users see instantly the choice of being able to pay via PayPal. I know Clickbank would offer this visibly—pay by credit card or pay by Visa on their checkout page.

 

[wayzgoose]

You frightened me there - been using it for ages.
I've checked and I am not being charged twice. Cards processed through Paypal are reflected on the Sage transactions but they are charged with the standard PP deduction and credited to your bank by PP. You are not charged by using Sagepay and going through your Banks merchant account - the funds don't go through your Sage>bank process.

That's good news ! We always offered Paypal separately but I'm sure I remember a post on another forum where merchants were being charged twice when SagePay first offered the Paypal facility.

 

[Clodbuster]

I queried this with Sage and I copy below their reply. Hope that clears everything.

"Thank you for your email.

No that is totally incorrect and we don't charge twice, the person who quoted that on the forum seems very misinformed. The merchants have the option to put a PayPal button on their Sage Pay payment page, this is to make it easier for their shoppers so that all payment options are on the one page.

If they click on the PayPal button the transaction is still processed by PayPal and they settle the funds with the merchant in their normal way. The transaction will show up on the Sage Pay account but as a PayPal transaction, this is to make it easier to reconcile accounts.

I hope this explains the situation.

Kind Regards
John Crockford


Customer Service Advisor

Sage Pay"

 

[dazfree]

mmmm I got this reply from Sage Pay:

Hi D,

The Paypal transactions would contribute towards your 1,000 transactions per quarter.

Thanks
Dan

Daniel Bell
Channel Executive
Sage Pay

 

[antropy]

Keep it separate. But it's a good idea that should have an effect on sales.

Both having PayPal and having more than one payment option are among the 19 factors listed here that have a significant effect on sales:
http://www.antropy.co.uk/blog/consumer-psychology-at-the-ecommerce-checkout/

 

[deadgoodundies]

Another reason for keeping it separate is what happens if sagepay or paypal goes down? at least if you keep it separate then you have another avenue of taking payments but put them together then if one goes down they both go down.

 

[Gallows]

We had a similar choice to make a little while back with Worldpay. We chose to give the customer the choice up front, Paypal or Worldpay, then when for those who have chosen Worldpay, they get the choice again as one of the Worldpay payment choices. Not many take the paypal option from within Worldpay but enough to make it worthwhile. Possibly in situations such as where a card is refused the customer gets a fall back option and we keep the sale alive. There are no additional costs for us.

 

[Bob1]

We have our Paypal account linked up to our sagepay and I'm sure there is no double charge involved. We just get billed from Paypal for those transactions.
How we show our customers the payment options is by logos in basket and checkout. so the Image would contain the visa, MasterCard, maestro, PayPal symbols etc which you see on many sites now.

Reason we don't have 2 separate payment options is
1. To make it easy process for customer checking out and
2. To encourage more SagePay transactions as cheaper rates then PayPal. We sell products that cost £100's so would rather not have the Paypal fees compared to SagePay.

 

[Sage Pay Support]

Hi

The cost to process transactions through Sage Pay is included within the monthly price plan.

As an example, on the Small Business plan, 25.00 GBP per month, you receive up to 1000 transactions per rolling quarter (Jan-Mar, Feb-Apr, Mar-May). You do not receive 1000 transactions per month. If you exceed the rolling quarter transaction allocation, you will migrate up to the next price plan.

When submitting a post to Sage Pay you send a TxType within the Transaction Registration URL. An authorised transaction is deducted from the transaction allocation such as PAYMENT, RELEASE, AUTHORISE, REFUND or REPEAT.

You will need to send CardType=PAYPAL as the value which will allow us to identify that you want to use PayPal as the payment method.

Your merchant bank or PayPal will charge you a transaction fee per transaction. Sage Pay do not charge a transaction fee.

 

[callum-JH]

Its always best to keep things separate. Its can help for future migrations you may encounter. Also if one provider goes down the other doesn't.