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Sage pay, Google checkout, paypal.....which one?

  • Thread starter Thread starter Rydalcommunications
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Rydalcommunications

Hi forum members,

We are about to install sage pay (with fraud scoring into our site). We are unsure about allowing paypal & google checkout to function within our site.

With telecoms the fraud risk is high.

How good is paypal and google checkout.

Your experiance and reply will be really appreciated.

Regards
Steffan
 
I would say just use sagepay, it is reasonably priced and looks profesional the sage compleate package is £20 a month with no sign up fee and the rates are 40p fixed for debit card and 2.5% for CC, better rates can be had if you use your banks ima to link with a sagepay gateway but you will need high turnover to get a better percentage and they will likely charge a start up fee. the FSB have a streamline offer but i don't know the details of that, might be worth a look.
This is just my personal opinion but paypal gives the "derek trotter" image and the fees are crazy, 3.4% plus 20p? thats for debit cards as well as credit! its not something i would want on my site but i understand that in some circumstances its the only avalable option.

Good luck with what ever option you go down.
 
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If risk of fraud is high within the industry already, you maybe exposing your business to more risk by implementing PayPal.

If you feel it will help with conversion rates, why not test it and see whether it's worthwhile? PayPal (standard) is pretty easy to integrate from a technical point of view, so makes this feasible.

Also, take a look at what your competitors do (particularly the ones that you may wish to benchmark yourselves against). Do they use PayPal? If not, is there a reason for this? (i.e. is there too much risk?).

Not sure if you are B2B or B2C, but I would think it's only appropriate in the case of the latter where you're dealing with consumers. If you are selling to businesses, then I would definitely say it would project the wrong image.
 
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If you go with sagepay as your payment processor you will also need a merchant account. This also costs.

Paypal is the easiest, depending on your site will decide whether its all you need.

I am in the process of getting a merchant account with AIB and will be using sagepay as the processor but i will also have paypal.
 
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tony84 said:
If you go with sagepay as your payment processor you will also need a merchant account. This also costs.

Paypal is the easiest, depending on your site will decide whether its all you need.

I am in the process of getting a merchant account with AIB and will be using sagepay as the processor but i will also have paypal.
Click to expand...

sage offer a merchant account along side their gateway, there's no extra monthly fee, just 2.5% for CC and 40p for DC
 
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benjamin_c said:
the FSB have a streamline offer but i don't know the details of that, might be worth a look.
Click to expand...

I am trying to set up an account with Streamline and Worldpay (both RBS).

Spoke to them approx 2 weeks ago. I got the paperwork through for both, signed it all and sent it back.
Today I get a letter that Streamline is sorted, no word about Worldpay. Phoned them, was transferred many, many times, turns out the Worldpay setup hadn't been actioned but they would do it, send an email confirmation, we would be able to take payments straight away.
Got an email, it said we were being processed and it would take 10 days. Replied to the email, got an auto response, 'thanks for your message, we will be in touch within 2 days'.

I don't want to deal with a company like this, I don't care if they are cheaper than the others, so I am looking at http://www.voice-pay.com (warning, their website is quite annoying) who are reasonably priced and at least this far in to my enquiry, very efficient.

I'll keep people informed as to how I get on.
 
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OptiRick said:
I am trying to set up an account with Streamline and Worldpay (both RBS).

Spoke to them approx 2 weeks ago. I got the paperwork through for both, signed it all and sent it back.
Today I get a letter that Streamline is sorted, no word about Worldpay. Phoned them, was transferred many, many times, turns out the Worldpay setup hadn't been actioned but they would do it, send an email confirmation, we would be able to take payments straight away.
Got an email, it said we were being processed and it would take 10 days. Replied to the email, got an auto response, 'thanks for your message, we will be in touch within 2 days'.

I don't want to deal with a company like this, I don't care if they are cheaper than the others, so I am looking at http://www.voice-pay.com (warning, their website is quite annoying) who are reasonably priced and at least this far in to my enquiry, very efficient.

I'll keep people informed as to how I get on.
Click to expand...

I would go Streamline with Sagepay if I were you Rick...Sagepay are excellent.
 
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paypal payments pro.
Never any issues, there is no paypal logo like if they are paying with paypal account so they do not really know who is processing the transaction other than its a 3rd party.
Never had a fraudulent transaction with it yet (touch wood) unlike ebay which is an almost every day occurrence at the moment. You can also change the security levels.
I pay 20p +1.9% regardless of card +20quid a month which no bank will go near.
 
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pbsdirect said:
paypal payments pro.
Never any issues, there is no paypal logo like if they are paying with paypal account so they do not really know who is processing the transaction other than its a 3rd party.
Never had a fraudulent transaction with it yet (touch wood) unlike ebay which is an almost every day occurrence at the moment. You can also change the security levels.
I pay 20p +1.9% regardless of card +20quid a month which no bank will go near.
Click to expand...

Does the 1.9% apply to debit cards as well as credit cards? if it does then its not that great, assuming a 50/50 cc/dc split its actually 3.8%+20p
because real card merchant providers dont charge a percentage for dc,
 
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paretowasright said:
I would go Streamline with Sagepay if I were you Rick...Sagepay are excellent.
Click to expand...

Well, by Friday last week, after a bunch of hassle and still 2 weeks off being able to take a payment I decided RBS/Streamline were not the solution.

I spoke to someone from from Voice Commerce (VoicePay gateway). I had an account set up the very next day!

Their tech support were extremely helpful and prompt in response and helped me with the settings for one of my sites and a few days later I was collecting payments. This far I can't fault them and would certainly recommend them.
 
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We use Sage Pay and Streamline, if you belong to the FSB you get a reduced rate on Streamline fees worth much more than the cost of joining.

We also have Paypal as lots of customers like it. It is easy, they don't have to go and find their card and type in all the numbers and it is percieved as safer from the customer's point of view for this very reason.

I have never had any problems with Paypal, if you are worried only send to confirmed addresses to verified buyers and you are fully covered by their seller protection.
 
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OptiRick said:
Well, by Friday last week, after a bunch of hassle and still 2 weeks off being able to take a payment I decided RBS/Streamline were not the solution.

I spoke to someone from from Voice Commerce (VoicePay gateway). I had an account set up the very next day!

Their tech support were extremely helpful and prompt in response and helped me with the settings for one of my sites and a few days later I was collecting payments. This far I can't fault them and would certainly recommend them.
Click to expand...

I have been looking at these guys recently as I am not happy with the high paypal transaction rates, what rates did you get quoted for on Credit and debit cards Rick?

Thanks.
 
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Off the top of my head,
Free set up, no monthly fee,

20p +2% on all card transactions.

It makes debit card transactions a bit pricey, i'll keep an eye on what sort of credit/debit split we do before I decide whether it's a problem or not.
 
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OptiRick said:
Off the top of my head,
Free set up, no monthly fee,

20p +2% on all card transactions.

It makes debit card transactions a bit pricey, i'll keep an eye on what sort of credit/debit split we do before I decide whether it's a problem or not.
Click to expand...

Thanks, well that is a lot better than paypal pro!

Does anyone have a better solution that this?

Cheers.
 
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We use Sagepay/Streamline but also keep Paypal on the site. The thinking behind leaving Paypal in place is that many people may have been selling off items from round the house which builds up their Paypal account. If there's then something they wish to purchase online, they may think of this as "free money" and it can often be enough to squeeze a sale that may not have happened if they had had to get their plastic out.

Alan.
 
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good point.

for us the its number of sales with small profit margins which wont suit the paypal module. There rates are set at a % rate. For debit cards this can be very high on a £400 item with £20 profit in it.

regards
 
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We have been using Sagepay linked to our HSBC merchant account.
Our average transaction value is between £500 and £1000 and have had a number of chargebacks over the years.
We have recently started using Gatekeeper to double check against fraudulant purchase attempts and have to say, so far, the service has been well worth the extra cost.
Each high risk transactionis is checked against their database and a judgement made by a human as to it being genuine or not.

We also use Paypal and Google checkout - the reason being is that the conversion rate from visitors to purchases is very very low, so anything that can be done to encourage a visitor to make a purchase is a benefit and ease of use and speed of checkout are a big selling point with these two.

The advantage of Paypal over Sagepay, is that if a refund has to be made, there is no charge with Paypal (I believe), but with Sagepay, you have to forfeit the transaction fee, unless you void the transaction before midnight the same day. We will often get a fraudulant attempt at 2300h, it will be recognised as such at 0800h the next morning and the refund made, but we would have already been charged the 1.75% credit card fee. So on a £1200 purchase I've had to pay £20 just to allow some foreign fraudster the privilege to try and steal £1200 from me.

Whatever payment gateway you use, for me the two most important points to look at are:
1. Do not allow yourself to become a victim of chargebacks and
2. Make your checkout process as simple and quick as possible.

Both the above points will cost you a lot of money in lost sales and bank charges if you get it wrong.
 
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Why not use both paypal and Google checkout ?
Let your customers decide who to use when they checkout rather than you telling them. You wouldnt expect Tesco to demand you pay only with cash, or only using a Tesco finance credit card.

Some custmomers feel happier using using paypal, Google checkout is up and coming - but some may prefer the the Google name.

The downside to using a payment gateway on your own site is that there is some work to do regarding being compliant and also some customers like the fact that they are not directly paying you, they are paying a 3rd party (and they are supposed to be neutral in any disputes)
 
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Upvote 0
cellweb said:
Why not use both paypal and Google checkout ?
Let your customers decide who to use when they checkout rather than you telling them. You wouldnt expect Tesco to demand you pay only with cash, or only using a Tesco finance credit card.

Some custmomers feel happier using using paypal, Google checkout is up and coming - but some may prefer the the Google name.

The downside to using a payment gateway on your own site is that there is some work to do regarding being compliant and also some customers like the fact that they are not durectly paying you they are paying a 3rd party (and they are supposed to be neutral in any disputes)
Click to expand...

In my opinion Paypal and Google CO gives the impression of a less professional business (of course there are exceptons to this as several big companies use Paypal along side their PSP) but on the whole Paypal is a bit "derek trotter" for my liking, not to mantion the fees are outragious when compared to a merchant account. i use paypal for ebay transactions but only because i have no choice. and also having 3 payment processing systems can just be a pain to manage, with a merchant account customers are able to pay with any debit or credit card they wish to, so they are not going to be prevented from buying the product by the business not having a paypal account. also most customers don't even know what goes on behind the scenes of website payment processing, and most don't care, offering several options may just be confusing for them and some may choose paypal if its there instead of the standard merchant account resulting in more cost to the business. Paypal can be great to small/start up businesses who dont yet want to commit to having a merchant account but i can see no real benefit to using it along side a profesional payment solution.
 
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I agree to a certain extent, but it does depend on who your target customers are B2B (business to business) transactions you may well get the trotter treatment but if it's a business to customer (B2C) transaction then I dont believe people will think you are a Dellboy .

google checkout has it benefits in that google base and google product search are all inter related (allegedly)
 
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Is there any online merchants like paypal that dont charge a % on all debit card transactions?

regards
 
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tony84 said:
If you go with sagepay as your payment processor you will also need a merchant account. This also costs.

Paypal is the easiest, depending on your site will decide whether its all you need.

I am in the process of getting a merchant account with AIB and will be using sagepay as the processor but i will also have paypal.
Click to expand...

Yep, will do the same. Need to have a back-up if something goes wrong and one of the PSP's has downtime.
 
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Paypal...because its the faster way to transfer money....and its most commonly used in online business
Googl checkout is also good...and while using google checkout you'll be charged rates as low as 1.9% + $0.30 per transaction
 
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Has anyone used Nochex merchant or paymentsense.co.uk?

I am starting out, I am offering Paypal, cheque or bank transfer to start with but I am thinking about worldpay or alternatives.
 
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furman said:
Has anyone used Nochex
Click to expand...

This was a long time ago, but...

I set up a Nochex account for my online store. When I'd put a bit of money through it they decided they needed to do further identity checks in the form of a bank statement and a utility bill, which is fine.
But, they suspended the account while doing so!

Given that it would have taken at least a few days to get it sorted and at the time Nochex was my only means of taking a payment I decided that they could naff off and have never used them since.

They might be better these days but when their customers have taken the decision to use their services rather than taking the easier option of jumping on the Paypal bandwagon you would think they would treat them a little better.
 
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If you seem it will assist with alteration rates, why not check it and glimpse if it's worthwhile? PayPal (standard) is attractive so straightforward to incorporate from a mechanical issue of outlook, so makes this feasible.
 
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Interesting info here. He currently use Sage Pay only but will be having an update soon which will give us the option of using Google Checkout and integrated paypal (the one where the customer doesn't leave the site).

Hopefully will improve conversion rate.
 
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Just throwing this in in case anyone is bothered:

We applied for SagePay + Merchant Account (elavon - the preferred merchants from SagePay?) on the 17th August 2010. We're still waiting on Elavon approving the application.

So anyone looking at getting Elavon/Sagepay, make sure you plan at least a month ahead - probably best to plan even longer... we're still waiting.
 
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