Payment Gateway Suggestions

[kwgarrett]

Re: Payment Gateway Suggestions

They tell me that the PayPal Payments Advanced and/or Payflow Gateway module allows this. You have to sign up for a $30 a month fee to use their PayPal Manager.

After hours of screwing around with them and their "support" person, I am ready to pull the plug on Paypal as a payment processor. I have just signed up with First Data on an "Interchange Plus" fee structure.

Go to cardfellow.com to compare processors.

I hate Paypal. They treat their merchants as customers. Everytime I log in to the admin, there's an ad I have to dismiss. The place is run by "sloganeers." Trying to understand the difference between their vague and similarly-named services is an exercise in time wastage.

Kevin Garrett

[plugtopay]

Re: Payment Gateway Suggestions

I have almost completed execution of Pay pal Expenses Pro and I am considering not going through with it. Paypal's administration system does not display details for "declines." We use this all enough time when clients contact up because their cards was dropped. We can tell them exactly why it was dropped by watching the "decline" on Approve.net. Paypal's execution of AVS has "training wheels" on it. There is not the capability to set up to the complete level which assessments should cause being rejected.

[Rick Wilson]

Re: Payment Gateway Suggestions

Kevin,

That's correct, virtually every Merchant Account company (even if they have their own) also support Authorize.net. The only known exception to that is PayPal really.

[kwgarrett]

Re: Payment Gateway Suggestions

Thanks for the info. But now I'm confused a bit on another issue. You say they probably support Authorize.net. Do you mean that they don't have their own gateway and I'd still be using Auth.net as my gateway for these companies?

Kevin

[Rick Wilson]

Re: Payment Gateway Suggestions

Yes Chase offers that as well. We don't have gateways for any of the ones you listed other than first data but I would assume they all support Authorize.net.

[kwgarrett]

Re: Payment Gateway Suggestions

OK, I've spent a bit more time on this now. Does Chase do Interchange Plus pricing or the qual,non-qual pricing tiers? What about a module? I assume I need a dedicated Chase module to use them. Is that not correct?

I went to a website called cardfellow.com and got "quotes" from several companies that use Interchange Plus. The most expensive of these (still much cheaper than what I'm paying now), is First Data. I see that there IS a First Data module already in my store. That does tend to make me lean in their direction.

Other quotes generated by cardfellow include: GDPay, PayHub, LEAP Payments, TSYS, and Netcom PaySystem. (If this is the same Netcom as the old Netcom, I'll pass on that option...) Like I said, won't I need a specific Miva module for any one of these?

Kevin Garrett

[Rick Wilson]

Re: Payment Gateway Suggestions

Yeah BofA is who's setting your discount rate in that case and yes PayPal doesn't charge non qual rates, they just have a single flat rate (which is why it's often the cheapest choice).

[kwgarrett]

Re: Payment Gateway Suggestions

Right, I understand that, but the pricing I got from Paypal is significantly lower than what I am getting now. Maybe it has to do with BofA, which is currently my Processor (as I understand term). Paypal promises me (for one thing), that I won't be paying all the ridiculous fees for people's rewards cards, which I am now. They did an analysis of my charges for the year and they are telling me I'll save about $7000 per year by switching to Paypal. Of course, I have no way to know how true this is until I switch.

Regarding Chase, I received the email from Phil. Thanks.

Kevin Garrett

[Rick Wilson]

Re: Payment Gateway Suggestions

Kevin,

It's worth noting the Discount Rate is not being charged by Auth.net, but by the underlying Merchant Processor. Auth.net is ONLY a payment gateway, they don't sell Merchant Accounts (or do Acquiring as it's called).

I've asked Phil Sullivan from our side to reach out to you via email and introduce you to our Chase rep.

[kwgarrett]

Re: Payment Gateway Suggestions

Thanks. I'll consider Chase. Auth.net does have their monthly fee as well as the "discount" fees, of course. Paypal's is lower as well as better overall rates. I have found that what I was signed up for, Payments Pro has limitations that Payflow Pro does not. That company has way to many ambiguous and like-named services. The business appears to be in the grip of the sloganeering department.

[Rick Wilson]

Re: Payment Gateway Suggestions

We love Chase with Auth.net (remember that Auth.net isn't setting your fees, the bank is, Auth.net is just the gateway).

Let me know if you want an intro to our Chase rep?

[kwgarrett]

Re: Payment Gateway Suggestions

I have almost finished implementation of Paypal Payments Pro and I am considering not going through with it. Paypal's admin console does not show information for "declines." We use this all the time when customers call up because their card was declined. We can tell them exactly why it was declined by viewing the "decline" on Authorize.net. Paypal's implementation of AVS has "training wheels" on it. There is not the ability to configure to the full extent which tests should cause rejection.

So... I'm looking for another option. Paypal's fees look to be much better than I am getting currently with Authorize.net, but I have to give up some pretty important stuff to get that. Does anyone have suggestions for other payment processors?

Thanks

Kevin Garrett

[Rick Wilson]

Re: Payment Gateway Suggestions

I can say we now see larger and larger customers on PayPal's more traditional products like this, and generally they work very well. We also personally use Auth.net with Chase, for what that's worth.

[kwgarrett]

Re: Payment Gateway Suggestions

I'm reading this thread because I'm contemplating switching from Authorize.net to Paypal for payment processing. "Contemplating" might not be the right word, because I'm being badgered by a Paypal salesman.

It does look like I can get better rates through Paypal than through Authorize.net, which is a good reason to switch. But switching one's payment processor is something one should not do on a lark. I'm wondering if anyone has any horror stories (or complements) regarding Paypal payment processing. I *think* the service that they have suggested is "PayPal Payments Pro (Payflow Edition)" (which is different from "PayPal Payments Pro (Direct Payment)", which, by the way, is called "Website Payments Pro" in Canada and the UK. Someone needs to put collar on their sloganeering department.

Kevin Garrett

[d_host]

Verisign sold its payment services division to PayPal (which in turn is owned by eBay), but at least so far the service has been pretty much unchanged. I think PayPal is very careful about not destroying what's working well and has built up great reputation.

There have been couple small snags as they were in the process of moving all services to their own datacenter from the one where Verisign was hosting at, but all in all - they are still rock solid. They are currently implementing some new systems and new gateway services, which will likely surface soon. We use them ourselves and we have many cleints using them, and we haven't had any problems since the PayPal acquisition.