Paypal

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Just curious about checkout sytems.

Do you consider Nochex and Paypal to be as 'trustworthy' as say Protx and Worldpay. I mean if you are a web designer or ecommerce owner then maybe you would be concerned but if you are just the man in the street would you really have any idea if one ws better than the other as long as you got your stuff at the end of the day?
 
We use paypal and I was thinking of changing it but speaking to some of our customers I don't think that it makes that much difference to them. In fact with some people because they probably already know the name from ebay they seem happier with it than with something they've never heard of. I think it's only people in the know who see it as a bit tacky...
 
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Yeah, that was my point. It only seems to matter if you are fully aware of payment processors.
 
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I've always said "don't use paypal, it looks unprofessional!" in every situation.

But my opinion has changed recently as I've realised that what you say is true - it's mainly only those "in the know" that think like this. With paypal being well know because of eBay, I don't think it's such a bad option.

Duane
 
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They also have a pro merchant version now which seems to be much more business looking.
 
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You can use PayPal to be integrated onto your website so that it's not actually obvious you're using it. And their rates are cheap.

I remember a study that found if offered the opportunity to pay onsite or using PayPal, 12% of people chose PayPal, whereas everyone else paid on the site. I'd never say people don't trust PayPal, but it looks a lot less professional to have logos everywhere, such as with WorldPay, when you go to purchase something. To keep consistency with the purchasing experience, you need to make sure your site complies to their standards, rather than the other way around.
 
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As a consumer I would try PayPal more than any other system, basically because I have used it so much and never had any problems.
 
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If given a choice between two companies selling the same thing, one of which takes pay Paypal whilst the other doesn't, I will usually choose the one with Paypal. I find it more convenient, especially because I usually have some cash in my paypal account.

I take paypal on my site, have taken it on ebay for a few years. I have never had a chargeback, or any problem with them, either as a seller or a buyer.

On the otherhand, I had a Nochex account quite a time ago. I'd used it for selling and there was about £10 in it. When I logged back in to use the money (after a substantial period of time) I found that Noches had taken the money for themselves, stating that I had been charged for being inactive. Bloody cheek!
 
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I've found that PayPal is becoming more and more popular on our website.

When we started out it was our only option and I planned to drop it when I got the merchant account. That was 2 years ago and I have kept PayPal going as we have a significant number of regular customers who like to use it.

I also noted that a number of other sites were adding it as an option. I wouldn't recommend it as the only option, but it is becoming more and more acceptable.
 
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PayPal is a winner. They're a huge company, aimed at the masses, which means smaller rates/transaction fees.

PayPal doesn't look unprofessional as everybody I speak to, day in and day out, always KNOW that PayPal is secure.

It speaks for itself, I deal with a certain supplier that uses PayPal, When people pay Via PayPal, I can instantly use that money to buy from the supplier!!

It is the future!
 
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We offer both Paypal and Worldpay.

We had Worldpay first and then my web guy suggested we add Paypal as so many people already had accounts because of eBay.

I'm glad we did .. some days all our sales are paid for using it .. and you can get your hands on your money a lot quicker !

Sharon
 
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Just some thoughts here....a lot I've learnt along the way, the hard way!

As awkward and troublesome as this might be to a lot of website owners: give your customers a choice. For example, give them a choice to use PayPal, Protx - and even offline methods such as by Cheque/BACS etc.

Most people go by familiarity, so providers like PayPal score highly there. Others don't like the free providers and want something that would require a merchant account like Protx. Others won't even use a credit card online (yes, they are a sizable minority). A lot of shopping baskets are abandoned because there may be only one method of payment, and the shopper is put off because it's not something they're comfortable with.

Also, don't ask your shoppers for their details before letting them know how they can pay. Alot of people won't bother giving their address, phone number etc just to find out how to pay for their items.
 
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I think cheque payments are a pain, there is obviously the time taken for it to clear and the time taken to send it back to the customer is anything is wrong with the cheque etc.
I have noticed most petrol stations now refuse payment by cheque.
 
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No doubt that payment by cheque suits only a small minority, but if you have a policy of "no cleared funds, no goods sent out / services called into action" then you can't lose. Once a cheque clears, you change the status of the order to paid, and it can be actioned. Some of our customers (i.e. e-commerce website owners) enable payment by cheque, some don't. Some enable BACS payment too, some don't. The point is to give customers a choice of payment - even if these choices are all online payments like WorldPay and PayPal.

I realise appropriate methods of payment do depend on the goods/services for sale.
 
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I think Paypal is iimproving its reputation even amongst 'those in the know'. Big sites like Napster, Ebuyer, Allposters and more are now offering paypal. You have to assume they know a thing or two...
 
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Boots now accept PayPal along with ebuyer.com

If it's good enough for Boots it's good enough for anyone. ;)
 
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This is interesting.
I've used Paypal for quite a few years but always intended to upgrade to a 'proper' credit card system eventually.
Now, from what's been said, it looks as if maybe I'm as well to stick to Paypal.
Most of our customers pay by EFT but those in the US like to use their cards.
 
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Not doubting you but is there a link to that? I couldn't find it anywhere on the Boots' site. :)

There is an advert inside PayPal when you login
bigb_boots_150x100.gif


When you go to the Boots checkout it's there. :)
 
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Just wait til Boots get their account frozen because one of their customers tried to buy something with a stolen card :D

I wonder if this has happened to larger companies? I've heard a lot of horror stories on PayPalSucks.com.

I still recommend PayPal to everyone simply because so many people use it - I'd still have an alternative payment method alongside it though. Here's hoping Google Checkout takes a bite out of their market in the future (competition is always good!).
 
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Yes Carl alot of my products exceed £100 but I am in the process of upgrading to the merchant account :)
 
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I state all payments under £100 should go through NOCHEX, all payments over £100 and international payments should go through PayPal and we also accept cheque's.

We still get the odd person paying with PayPal for items below £100, but that's fine.

PayPal is definitely changing, if you check rewardsonline.co.uk you'll see an impressive list of large high street name's taking PayPal such as, Tesco's, John Lewis, Toys R Us, HMV, Woolworths and Dixons.
 
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I've always used paypal as well as taking cheques. I agree that some cheques never arrive but customers still want that option.
I did have a customer complain last year that he didn't want to be forced into using his paypal account to pay for goods but now people often have multiple e mail addresses, they can go through the paypal system (providing they're not using their paypal log in e mail) and pay by credit or debit card.
With the payments pro system, it's all integrated and seems to work really well. They even offer a virtual swipe system which for a small business like mine, with no physical shop, is great. I can still take card payments over the phone (on the rare occasion I'm asked) and don't have to pay the expense to my bank.....I did initially want to set card processing through my bank but they took so long sending out the paperwork, that I decided to stick with paypal!
There can be problems though over the weekends when the world and his wife are on e bay - the system can get clogged but this hasn't happened for ages now.
Dani
 
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Excellent, thanks.

Just as soon as Amazon accept it, they'll be sorted too.

Now, where's my 'Told You So' t-shirt?... ;)
 
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PayPal is expensive, why does no one register this? Who pays less than 1.1% with paypal? None of my clients do, so why would anyone use PayPal.

Please let me know your thoughts so I can present a more balanced view to my clients.

thanks
 
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PayPal is expensive, why does no one register this? Who pays less than 1.1% with paypal? Not one of my clients with a merchant account pay anymore, so why would anyone use PayPal.

Please let me know your thoughts so I can present a more balanced view to my clients.

thanks
 
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