PayPal vs 2checkout.com vs ???

All,
As I mentioned I will be signing up soon but this is one of the other things I need to get settled before doing so. As a new reseller I know I need to accept credit cards in order to survive this business, whether it's just local accounts or ones across the nation. But like most everyone else starting out I don't have a ton of capital. I was thinking of going with PayPal or 2checkout.com but both have their shortcomings vs. a full blown merchant account, but a full blown merchant account can be expensive. I wanted to get people's opinions on both the above mention possibility and/or any other options that they may know about.

Thanks,
Bob

[Brangwyn]

Go for both Paypal and 2Co, paypal costs basically nothing to join anyway.

I use both and find most customers tend to favour Paypal, 2Co works ok most of the time but their service isn't the best in the world.

[generic]

I am using Payquake and recommend them to everyone.

They are a real merchant account without all the fees!

I have set up myself and 2 clients so far without a hitch and they all love them. They use authorize.net and you even get an online form to input charges yourself if you need to at no additional charge!

They have 3 plans, you can compare the plans with your approximate usage and charges to see what works best for you.
The Cheapest plan is the "Pay for Play" option.
No Setup Fees
No Monthly Statement Fees
No Gateway Fees.

I am an affiliate so I would appreciate you following this link if you choose them.
Payquake.com

[Brangwyn]

Do they handle international customers at all ? I seem to recall last time I checked payquake it was US based people only

[generic]

yes they do, but they dont appear to be competitive in this area.

Their international accounts, which support the NEW Zealand Dollar are:
Annual Fee: $215
Monthly fee $35
Discount rate 5.45%
Trans fee $0.00
Application Fee: $399
Settlement is weekly

I'm guessing you could do better.

[nhdonny]

Originally Posted by tracewebspace

I am using Payquake and recommend them to everyone.

trace, the Payquake website is really slim on details. maybe you can answer a couple of questions.

Since Payquake includes a gateway (they don't mention authorize.net anywhere by name) does this mean that I need no other services besides my SSL cert which is already installed?

Most important for me and understand that this is not for my design or hosting biz.

As I launch my store I know that my customers will many times need to call and clarify or change an order. They may even call before ordering and give me the cc by phone, in fact I'd love them to call. Does Payquake include a virtual terminal for editing and placing transactions?

[resell01]

Yes it is included...PM me if you need any more information.

[kattouf]

Just to let you know (not that there is anything wrong with it) But payquake is a reseller for Us Merchant Services or somthing like that, so basically they are the middle men. Ofcourse US MS doesn't offer the service directly to customers... so i suppose there is no choice. and they are priced right.

I use paypal and 2co, checks somtimes and bank transfer for friends.

next version of the control panel with support paysystems.com which is quite good too.

[scott_see]

tracewebspace,

Does PayQuake allow recurring billing?

Either way, I'm going to sign up through your reseller link. I'm getting sick of all the fees I'm paying. I got screwed by E-Commerce Exchange and Innovative Merchant Solutions. I don't use my merch acct to justify all the fees. I really got raped with a 4 year lease thing that I got suckered into. Really pisses me off.

Thanks,

[nhdonny]

I signed up last week and I'm still running in test mode at authorize.net.

I am very impressed with their sign up procedures and the people out in Arizona. for a new guy with no history I think I was treated with respect and a quality of service i didn't actually expect.

I also use paypal and I don't think there really is an issue of Paypal or else.

I needed a fully integrated solution that allows my business customers to enter credit cards with ease, get a report on my site about order status and more important for my custom business, allows me to authorize payments but hold processing until I add freight costs and ship the product 2 or 3 weeks later.

The integration with Candypress is seamless. The price is great and I don't mind paying a little higher percentage per transaction if it means I can offer good service and look like the big guys.

Here's the Tracewebspace signup link again

[generic]

Yes, you can do billing but it is through Authorize.net. Payquake is just the front end, Authorize.net is your backend and actual processing company.

Here is their announcment about it:

30 September 2003 New Automated Recurring Billing Service
Authorize.Net is committed to providing you with new payment gateway tools and services to meet your evolving business needs. Now you can increase customer loyalty while reducing authorization declines and overall administrative costs by offering your customers a new billing option—Automated Recurring Billing (ARB)!

ARB is a powerful tool that provides you with a reliable and secure way to manage recurring billing. Simply create an ARB “subscription” that includes the customer’s payment information, billing amount, and a specific billing interval and duration. ARB does the rest, automatically generating the subsequent recurring transactions based on the schedule you set.

Highlights of the new ARB service include:

Three methods for creating ARB subscriptions:
Enter subscription information (using a form similar to the Virtual Terminal)
Create a new subscription based on a previous, successfully authorized transaction
Upload a file containing several subscription records to the payment gateway
Flexible billing intervals, from weekly to annually and anything in between
Create upfront trial periods and pricing
Search feature specifically for locating subscriptions
And more!
Sign up for the ARB service today! Click Automated Billing in the Merchant Interface main menu, and review the Terms of Service. For detailed information about ARB features, instructions on how to sign up and how to create subscriptions, please see the What’s New Guide – Merchants.

Now the downside: Authorize.net charges extra for this servcie:
Automated Recurring Billing Fees
Setup Fee: $60.00
Monthly Fee: $21.50

So if your other company includes it, your costs may be close in the long run.

Either way, you will be happy if you choose to use payquake and Authorize.net.

good luck, any other questions just ask... greg

[generic]

Thanks nhdonny.

I am glad everyone is happy with payquake so far.

For all of you resellers, don't forget to sign up for their partner program yourself once you start using payquake so you can get credit for your own clients accounts you sign up. There is a process where they have to accept you and thats usually based upon your expected signups, so not eveyone will be accepted.

If anyone has any problems etc with payquake that they can not get resolved or that the service does not meet expitations and you signed up throught my link, just contact me and I can help to resolve the issue.

thanks again, greg.

[Nitro5955]

Nothing like bringing an old post back to life but I have a question. I was wondering if anyone had tried "YourPay.com" as a credit card processing program. I have a customer that is wanting to use this for their store that is not web based. They are wanting to use this app with their program that we wrote for them. I just don't want to do it unless I know the program will work well for them. Thanks for any info that you give.

Mike Fawcett