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Buyers' Guide to
Online Payment Acceptance
Chapter 3: Questions For
Internet Real-Time Processing
Accept Credit Cards Online for $0-$39 - Lowest Monthly Fees
1.
Does the Secure Payment Gateway and Merchant
Account already work with the shopping cart or
solution you want to use? Integration can be
expensive or impossible.
2. Does your Web Hosting company support the
Gateway/Processor you prefer? They may
accommodate you, but usually this takes time and
patience, or can be impossible.
3. Does the Gateway/Processor support electronic
checks? If not, you will have to pay yet another
company to do this for you. Some providers have
checks, credit cards and a gateway all under one
roof.
4. Does the provider publish all of their fees on
their site? The ones that don't are withholding
this information so that they can mark up the
price they charge you!
5. Is the company too big for their (and your)
own good? In many cases, a smaller company is
better able to provide direct support,
integration help, and consistent service.
6. Does the Merchant Processor or Gateway only
provide Internet services? We have all heard
about "dot com failures," and Internet
Processors are no exception. CyberCash, perhaps one of the the
best known Gateways in the early part of the decade, filed for
Bankruptcy! Make sure that your Processor/Gateway
also has real world merchants as clients to
insure long term relationship stability for your
business.
7. Does the Gateway provide a Virtual Terminal
and Online Reporting? Make sure they do, since
you will need these.
Make sure you also carefully read all the terms
and conditions and keep your eyes on all costs
involved, not just the discount and transaction
rates.
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