payment gateways and shopping carts

[neit]

I currently looking into setting up a ecommerce site for a client
and have a options regarding payment processing.

1) Paypal
2) RBS worldpay (with merchant account)
3) Merchant account with current bank and payment gateway. (possibly sage pay)

The client would like to get this set as fast as possible so what I am
looking at are hosted shopping cart options with intergrated payment gateways for the various options list above.
I would appreciate peoples views and experience on any good combinations of payment gateway/shopping cart software.

The client is a little relucatant to use paypal but will if he needs to
and I not sure if paypal it takes Laser Cards (Irish debit cards).

Thanks
Henry

 

[That Guy]

I would go with Sagepay. I have had Great customer support from them so far.

Why not give the customer a choice? Have Paypal and Sagepay

Here is a list of Payment Gateways to look over:
http://www.chrislowthian.co.uk/online-payment-processors-gateways-list/493/

Good Luck!

 

[brownie]

I'd ignore the payment gateways at the moment and focus on which hosted cart solution provides the features you want. Then select one of the payment gateways your choosen hosted cart is compatible with.

http://www.ekmpowershop.com/ might be worth a look.

 

[MDG]

Another vote for sagepay, I've just started using them and the service has been great, the support guys are really helpful and you can always get to speak to a real person if you call.

The only thing you'll need to consider with sagepay is the process of setting up a merchant account if your customer doesn't already have one does take some time (weeks not days). If you need something quick set them up with paypal then add a sagepay later.

As for shopping carts, I'm using Sagepay forms integration via Cubecart which couldn't have been easier to integrate, really just a case of entering a few sagepay account details in the cubecart admin and then following sagepays testing process to get the account made live. Some goes for integrating it with paypal although I have had a few issues with paypal IPN.

 

[gibby]

We use Sagepay & usually great.
I have heard that Worldpay have been bought by Streamline anyway but they are much harder to get accounts with at the moment.

We also use Cube Cart & it works great with Sagepay.

On the off chance you were thinking of using Miva Merchant with World Pay or Sage Pay - don't. We had massive issues that couldn't be sorted by anyone.

G

 

[neit]

Thanks for the replies.

The clients current bank has given him a list recommend payment gateways
to use If he applies for a merchant account with them sage pay being one of those.

I was then looking at shopping carts that have those payment gateways
already intergrated. So that I could quickly design the storefront.

From what I am led to believe RBSworld pay provide a complete service with
a combined mechant account and payment gateway. It is also my understanding that if I use RBS world pay the client would not have to go
through PCI-DSS certification as we are not storing the customers creditcard details, but I am not sure on that last point.

 

[gibby]

You may want to check on the world pay all in one account as often they hold onto the money for x amount of weeks until a trading history is created over time

most businesses dont want soemone else holding your money for 3 or 4 weeks and go for Sage Pay with World Pay or Streamline.
Also watch out for set up fees as usually they cahre a few hundered for set up.
If yur client was a member of the FSB or other trade orgs these fees become FREE & you do get better rates with streamline on transaction.

You may still need to go through the comliance process anyway.
Many of us just use a payment page on the merchants servers - so its secure & your not holding the customers vital details.
We do this this but were still asked to go through the compliance system anyway

hope that helps

G

 

[neit]

they would not want the bank holding on to the money for a few weeks
so i will look into that.

As the client already takes payments instore through a terminal
should I expect them to be pci-dss certified already.
As i am only developing the ecommerce website certfication should be down
to the client.

From the responses here cubecart and sagepay with the customers own merchant account looks like it needs further investigation.

thanks for the replies everyone.

 

[glenn3238]

Personally I think it's best to offer the customers a choice. For my store I offer both PayPal and Google Checkout, the fees/charges aren't brilliant but they could be worse. One benefit with Google Checkout is Deferred Charge (some providers call this Pre-Authorisation) which means that you have the option of accepting/declining the order before you take payment, this is handy for retailers where goods may be out of stock, which avoids the costs of refund. Incidentally, because pre-authorisation is important for us, we used to have a PDQ and our website securely held card details (so we manually proceed payments for accepted orders) but the PCI compliance thing forced us to make changes.

 

[ReformedSinner]

You can let your customer use PayPal in the early stage of his business and move on to use a merchant account once he starts to receive big amount of order to cover for the merchant account's fees

 

[johnspells]

I will also go for sage pay because it goes with Server integration and it is compatible with shopping carts. Even E-commerce platforms is also supported and it is very simple to manage and very easy to integrate. InFrame is the one which works with the Server integration option for Sage and enables us to fully customise our payment pages at he time of outsourcing the data collection and transfer it to Sage Pay, Customer also never moves from the URL. I hope this will help you.

 

[gibby]

they would not want the bank holding on to the money for a few weeks
so i will look into that.

As the client already takes payments instore through a terminal
should I expect them to be pci-dss certified already.
As i am only developing the ecommerce website certfication should be down
to the client.

From the responses here cubecart and sagepay with the customers own merchant account looks like it needs further investigation.

thanks for the replies everyone.

If thye already have terminal you should also look at the firm they are using as they should have some history.
I would ask about the pci-dss cert reg direct as the info we have is rather confusing.

G

 

[SPD]

Hi all I am a new to the forum so please bare with me if i step on the toes.

I have completed a cost analysis on Worldpay direct from our business.

The end cost per year has turned me away form the system. However I have been told by Sage pal that if you go thru them the cost is less - working on volume. i will be lloking into it.

For me the whole subject is very confusing. would this be the banks making this so for greater fees?

One question that has arisen, does having a pay point upon your website increase your sales?

or is it to increase the speed and likelyhood of payment?

SPD

 

[neit]

It makes it more convenient for your customer to buy the product
there and then rather than have to call and for you to process an order over
the phone or have them send through a check.
You could always just have a brochure type website and have the customer
email through an order for you to call them back. On large expensive items
when you have a large mark up you could afford a ford to do this.
But for smaller items when less profit then you start to waste your time.
It may also add to increased sales, as you may get more impulse buys.

For me the issue after setting up the shop will be trying to get people to the
site because without that you will sell nothing from it.