Payment Processors
Using your own merchant account
Using THEIR merchant account
Other types of payment systems
Virtual Merchant services
Easy to get merchant accounts with rates as low as 2.25%.
Having your own merchant account can save you 12% or 13%.
National Card Systems
National card systems will let you accept not only the 4 major credit cards,
but also checks by phone/web and check guarantee cards.
They mention that you don't have to have perfect credit to get a merchant account through them.
NetBilling
They get 1.5% and 15 cents per transaction.
You pay a initial setup fee of $195.00, plus a $25.00 per month fee.
As a merchant, can accept all credit cards which you posess a merchant account for. The
NetBilling system supports all major credit cards including Visa, Mastercard, Amex, Discover,
JCB, Diners Club, debit cards, and others. Unix and Windows NT compatibility, uses
Netscape Secure Socket Layer (NSSL). Flat rate plans are also available. Netbilling offers
Daily deposits, Partnership programs, Merchant accounts, Shopping Carts and you can offer
free trial memberships.
Avoid huge Visa fees with Glo-Bill
While all of the other major billign companies are charging an application fee of $750 and an anuual fee of $375,
Glo-Bill has announced that their clients will not have to pay these new fees. While they've asked that the details
of their arrangement be kept confidential, and it remains to be seen whether or not Visa will make new rules that
do effect Glo-Bill, we are suggesting that all webmasters at least go ahead and set up a Glo-Bill account as a
secondary or backup processor.
Glo-Bill charges no set up fees or monthly fees, so you have nothing to lose and
everything to gain. Glo-Bill does 900 number and check billing as well, and has a MULTI-LEVEL partner program built in.
The multi-level aspect is important - it means you can pay people a small commission for signing up webmasters.
That's important because sites like this one get a lot of webmasters looking for partnership programs and if you
pay a referal for getting webmasters to sign up sites like this one tend to promote your program much more.
(Although we try to remain objective here.) Glo-Bill is very similar to iBill, CCBIll, etc. in other respects.
Their fee is slightly higher, at 15.9%.
Verotel
Cost is sliding scale, competitive with other services.
A reseller or banner partner program is built into their system.
EuroDebit can be added along with a regular CC processor for European
customers who wish to pay via debit card or dialer.
They no longer charge a setup fee. They charge 12.95% for debit
card processing.
Token Systems
You might want to take a look at adding them to your site so those customers who have
bought tokens can pay you easily which may get you a few more sales. You can also use them
for very small charges (cents) that other companies won't process. They do take 40% of the
gross charge, so I wouldn't use them as my main payment processors for charges of several
dollars or more per sale.
Probably the oldest and most popular online credit card processing company,
they have lots of options to choose from. If you don't have a merchant account,
they will charge you 15% to do all the processing. They are pretty easy to set up
and provide pretty good stats / reporting. I used them for a long time.
This company does the same type of thing as ibill, including handling recurring
billing, and issuing passwords. Their processing fee is 15%. We haven't
used them so we would appretiate webmaster feed back about them.
This is used for things like streaming video where you want to do a pay per view or time limited
service. The software allows the user to access your site for a specified time period only. The
easiest way I know of to charge per minute for a sex show or something similar. They do charge
40% though, so I would only use them for those things that require the time limits.
For your primary entrance charge we highly recommend you look at our comparison of the major
adult verification systems.We recommend Adult Checkspecifically and have found that it tends to
make more money than the others which pay higher commisions but result in fewer sales.
You get paid $5.00 for every partner you refer.
You (or the customer) can bill and send money. An online credit account secured
by a credit card or bank account. The good feature of this is that it is useable
for more than adult sites, thus making it more marketable for clients. You can use
it for a variety of services, otherwise, it really dosen't seem instant enough
for adult sites to me, besides being more of a banner program to generate cash that way.
Best for online auctions.
Below is an overview of the features.
PayPal Features
Request Money
How do I Request Money?
After logging in to your PayPal account, click Request Money. Enter each recipient's email
address, the amount requested and an optional note. After reviewing the information in a
confirmation page, click on the Request Money button. If you are requesting money for an
auction item, check the box indicating that this is a payment request for an auction. You
will be taken to another form to fill out optional information about the auction such as
item URL, auction site and a message to the buyer. After reviewing the information in a
confirmation page, click the Request Money button to complete your transaction.
What happens after I Request Money?
The recipient receives an email informing him of your request for payment. This email contains
a link. After clicking on the link, the recipient can log in to PayPal or sign up
for a new account, and then pay you from their account balance or credit card.
How do I get paid?
Once the recipient pays you from their PayPal account balance or credit card, the money will
appear in your account instantly.
You can then withdraw the money at any time by:
Requesting a personal check from PayPal.
Requesting an electronic funds transfer to your bank account.
Can I Request Money from someone who does not have a PayPal account?
Yes! The recipient receives an email notification; signs up at PayPal, and your Money
Request will be waiting for him in his new PayPal account.
Can I cancel a money request that I've already sent to someone?
Yes. You may cancel money requests at any time by going to the History subtab and choosing
the transaction you would like to cancel. Click on the word "Pending" in the status column.
Click the "Cancel Money Request" button and then click the "Yes" button to confirm this action.
Email Money
After logging in to your PayPal account, click the Email Money tab. Enter the
recipient's email address, the amount and an optional note to the recipient.
After reviewing the information in a confirmation page, click on Email Money to
complete your transaction. If you are sending money for an auction item, check
the box indicating that this is a payment for an auction item. You will be taken
to another form to fill out optional information about the auction such as item
URL, auction site and a message to the seller. After reviewing the information in
a confirmation page, click the Email Money button to complete your transaction.
What happens after I email money?
The recipient receives an email informing him of your payment. This email contains a
link. After clicking on the link, the recipient can log in to PayPal or sign up for a
new account, and the money will immediately appear in his account balance.
Can I email money to someone who doesn't have a PayPal account?
Yes! The recipient receives an email notification, signs up at PayPal, and then is
immediately credited with the amount in his or her new account.
Can I cancel a payment that I've already sent to someone?
You can cancel a payment if the recipient has not signed up for PayPal in the
meantime and collected the money. To cancel a payment, select the History subtab,
find the transaction you would like to cancel and click on the word "Unclaimed"
in the status column. Click the "Cancel Payment" button and then click it again
on the confirmation page.
How am I charged for the money I send?
We will first take the money out of your PayPal account balance. If there are
insufficient funds to cover the payment, we will charge the remainder to your
credit card if you have registered one with your PayPal account.
Are there any fees associated with sending money?
All of PayPal's services are FREE for consumers. PayPal provides premium services
at low rates for businesses.
What is the maximum amount I can send with my PayPal account?
Spending Limit: Every user starts with a total spending limit of $500. You can
lift this spending limit by confirming your credit card billing address or by
verifying your bank account.
Credit Card Charge Limit: Every user who adds a credit card to his account is
allowed to charge up to $500 on that credit card. After confirming your billing
address, the charge limit for your credit card will then be increased to $2,000
per 6-month period, subject to credit availability from your credit card company.
Transaction Limit: The limit for each individual transaction is $2,000.
For more information you may consult our Spending and Funding Limit chart.
More payment processors coming soon.
E-mail your comments about payment processors with the link below.
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