请教有关在线付款的问题

[transfer]

记得很久以前在这里看到一篇文章,好像是讨论做在线电话卡生意的(网站好象是computer sky什么), 其中提到过如何找到一个合适的可以处理在线付款的公司, 因为现在急需这方面的资料, 所以请各位帮忙. 我所需要的就是能够处理信用卡,绝大多数是美国卡的解决方案. 希望价格比较合适, 并又shopping cart提供, 这样可以省开发时间. 谢谢.

[yx]

How about paypal. If you have ATM and can charge credit card. Your website only need SSL. What kind of website you working on. If it is an online store, check my website http://www.yixiu.net. I know it is not good for computer online store. like dell.

[transfer]

Paypal is one choice, I am planning to provide multiple gateways. The bad thing is that most of my transactions are settled in US$ and the online payment companies in Canada always charge extra fees for this.

[yx]

作者: transfer

Paypal is one choice, I am planning to provide multiple gateways. The bad thing is that most of my transactions are settled in US$ and the online payment companies in Canada always charge extra fees for this.

Yes They want more money.

[bandwidth]

我帮客户做过这些付费网关,
firepay
2checkout
paypointusa
stormpay
paypal
你可以比较比较,都是收美元的, 最流行的PAYPAL和2CHECKOUT 不见得好, 我听客户说过有钱给PAYPAL HOLD住, 拿不出来了.
如果金额不大, 都无所谓, 如果交易额大, 还是到银行自己开一个吧, 稳当.

[transfer]

多谢回复。还有一事请教，您所提到的到银行开一个，是指直接用银行的网关吗？如果是的话，它的费用与其他方式相比如何？我找了一些加拿大的本地公司，基本的收费都在4%(MDR + Transaction Fee)上下，还不包括monthly fee.

[cyber-patroller]

作者: transfer

多谢回复。还有一事请教，您所提到的到银行开一个，是指直接用银行的网关吗？如果是的话，它的费用与其他方式相比如何？我找了一些加拿大的本地公司，基本的收费都在4%(MDR + Transaction Fee)上下，还不包括monthly fee.

one of the two plans below according to the volum of your monthly transaction.

1.VeriSign Payflow Pro
http://www.soltrus.com/english/products/payflowpro.html

2.VeriSign Payflow Link
http://www.soltrus.com/english/produ...yflowlink.html

Very good rate, however, the only thing you need is to get a merchant account from a Canadian bank.

[bandwidth]

4% 不算高了, 2checkout比这还高呢, STOREPAY好象是4.5%.就是PAYPAL便宜, 但不太方便,要求用户先注册. 我想有个平衡点在用银行还是用第三方网关, 如果你的交易额达到一定数额, 那用银行好(月费是固定的, 交易多,相当月费摊到每个交易上的费用就小), 相反交易少, 那就用第三方网关. 还有用后者要省事些. 和银行怎么做连接, 我没有做过, 你需要自己问问银行.
To : cyber-patroller, 刚才看了看PAYFLOW, 我感觉它是要在银行收4%之后再加他们的费用,是不是这样? 好象PAYFLOW就是解决上面朋友所要的和银行连接的问题吧? 你用过吗? 多谢!

作者: cyber-patroller

one of the two plans below according to the volum of your monthly transaction.

1.VeriSign Payflow Pro
http://www.soltrus.com/english/products/payflowpro.html

2.VeriSign Payflow Link
http://www.soltrus.com/english/produ...yflowlink.html

Very good rate, however, the only thing you need is to get a merchant account from a Canadian bank.

[cyber-patroller]

作者: bandwidth

4% 不算高了, 2checkout比这还高呢, STOREPAY好象是4.5%.就是PAYPAL便宜, 但不太方便,要求用户先注册. 我想有个平衡点在用银行还是用第三方网关, 如果你的交易额达到一定数额, 那用银行好(月费是固定的, 交易多,相当月费摊到每个交易上的费用就小), 相反交易少, 那就用第三方网关. 还有用后者要省事些. 和银行怎么做连接, 我没有做过, 你需要自己问问银行.
To : cyber-patroller, 刚才看了看PAYFLOW, 我感觉它是要在银行收4%之后再加他们的费用,是不是这样? 好象PAYFLOW就是解决上面朋友所要的和银行连接的问题吧? 你用过吗? 多谢!

no longer requires customers to register before making payments, it definately helps alot.

For your second question, usually the bank discount rate is about 2%, you need a internet merchant account as well as a pay processing account, then you register with verisign's payflow or pro.

if you consider 1000 or 500 transactions for free, included in its monthly fee, which less than 100 bucks (Canadian money),The verisign's cost is really a tiny one. verisign has the lowest cost as I can find out on the market so far.

However, as I said that paypal no longer require payers to register (to have a paypal account), it may give big impact to other payment processing providers, because paypal charges only about 1.8~3.2% of each transactoin (plus 25~35 cents per transaction) depending on the volum of your monthly transaction, paypal becomes a general term pay processing provider because of its convenience, plus its' competitive discount rate. I am consider only provide paypal to handling all the internet payments soon.

However, it would be a different story if you purtend to be a multi-million business on the internet, you'd better to get a independent SSL seal, a payment gateway that accept all the credit cards, BBB seal, and as many those fancy seals as you can.

[bandwidth]

刚才到我做过的网站上一试, 果然PAYPAL不用注册了, 不过还是挺复杂的, 跟注册要填的东西差不多. 你说银行只收2%, 不会吧, 我还问过HSBC, 新客户都是4%, 你说的是哪家银行? 多谢!

作者: cyber-patroller

no longer requires customers to register before making payments, it definately helps alot.

For your second question, usually the bank discount rate is about 2%, you need a internet merchant account as well as a pay processing account, then you register with verisign's payflow or pro.

if you consider 1000 or 500 transactions for free, included in its monthly fee, which less than 100 bucks (Canadian money),The verisign's cost is really a tiny one. verisign has the lowest cost as I can find out on the market so far.

However, as I said that paypal no longer require payers to register (to have a paypal account), it may give big impact to other payment processing providers, because paypal charges only about 1.8~3.2% of each transactoin (plus 25~35 cents per transaction) depending on the volum of your monthly transaction, paypal becomes a general term pay processing provider because of its convenience, plus its' competitive discount rate. I am consider only provide paypal to handling all the internet payments soon.

However, it would be a different story if you purtend to be a multi-million business on the internet, you'd better to get a independent SSL seal, a payment gateway that accept all the credit cards, BBB seal, and as many those fancy seals as you can.

[transfer]

基本上有了一些眉目, 写出来大家讨论讨论.
大致来讲, 一笔online payment 的费用都包括三个或四个方面: monthly fee, processing fee, transaction fee 和setup fee (not for everyone). 其中, monthly fee就是月租费, 非常容易理解, 其他的就有不同的定义了. 拿Soltrus 的产品来说, 1Step 就是将processing fee 和 transaction fee合起来一块收. 这种方式是最常见的online payment的解决方案. 而payflow pro 和 payflow link就不同了, 它们只是收取了transaction fee, 相应的processing fee是由具体的processor来收取的. 所以, 我个人认为bandwith的理解是对的.
以下是我所收集到的一些信息, 供大家参考(Canadian local companies, Processing US$, starter plan, Visa & Master Card):
1. https://www.internetsecure.com
Monthly fee: $49
Processing fee: 4%
Transaction Fee: $1.25
Setup fee: free to Jan 31 or $199
个人感觉费用比较高.

2. http://www.optimalpayments.com
Monthly fee: $35
Processing fee: 2.75%
Transaction Fee: $0.35
Setup fee: $99
Reserve Rate: 5%
这是至今找到最低收费的了.但它同时要求5%的180天的Reserve, 就比较头痛了.

3. http://www.psigate.com
Monthly fee: $29.95
Processing fee: 3.95%
Transaction Fee: $0.45
Setup fee: $99
个人感觉价格适中.
4. http://www.moneris.com/
还没有具体数据,只是查到有网站在用它.

5. http://www.soltrus.com
产品的定义有所不同, 其中1Step可以用来比较.
1Step Monthly fee: $49
1Step Processing fee: 4%
1Step Transaction Fee: $1.5
1Step Setup fee: $149
个人感觉费用比较高.
6. http://www.paypal.com (not Canadian company, cross-board fees)

Monthly fee: $0
Processing fee: 2.9-3.9%
Transaction Fee: $0.3
Setup fee: $0

顺便更正一下bandwith的说法, paypal 已经更新了它的checkout, buyer 不再需要是paypal 的注册用户了. 客户可以先付款再决定是否注册 (可以在paypal 的merchant 部分查到). 众所周知, paypal有一定的限制, 但作为起步来讲, 我觉得作为一种备用方案, 还是很不错的.

以上都是个人的观点, 欢迎各位指正和补充.

[Coolkie]

加拿大的 discount rate 没见过2%的（for internet）, 我所知道最低的大概有2.35% for visa/master. gateway 一般 是 15c-35c/transaction. 没办法，加拿大就是黑，国内更黑，外卡收6%. 我觉得初期用个第三方的解决方案 pay as u go。等交易额上去了在办个internet machant accout,比较划算。

[Knowledge_IS_Power]

Paypal still require people in countries outside North America to register.
Many countries do not support PayPal.

For Interenet Merchant accoutn you can not get 2% rate. Unless you lied about your business nature.

For global business American Express (US dollar) is also very important. I am going to register a US corporation for that.

[cyber-patroller]

作者: bandwidth

刚才到我做过的网站上一试, 果然PAYPAL不用注册了, 不过还是挺复杂的, 跟注册要填的东西差不多. 你说银行只收2%, 不会吧, 我还问过HSBC, 新客户都是4%, 你说的是哪家银行? 多谢!

Here is the link:
http://www.onlinemart.ca/EN/PaymentServicesPricing.asp

As I guess you would get a better deal by going through an agency instead of TD directly.

Any thought about TD's features? (no knowledge about its functionality, accessbility or compatibility)

[transfer]

作者: Knowledge_IS_Power

For global business American Express (US dollar) is also very important. I am going to register a US corporation for that.

That's true. AM is another big headache. I am quite sure that a US-based company can resolve most of these issues, like high rates and AM. However, how can you register a us company with a none us-residence?

[transfer]

作者: cyber-patroller

Here is the link:
http://www.onlinemart.ca/EN/PaymentServicesPricing.asp

As I guess you would get a better deal by going through an agency instead of TD directly.

Any thought about TD's features? (no knowledge about its functionality, accessbility or compatibility)

It looks form here http://www.soltrus.com/english/solut...low_step2.html that TD only support Visa, is that true?

[cyber-patroller]

作者: Knowledge_IS_Power

Paypal still require people in countries outside North America to register.
Many countries do not support PayPal.

For Interenet Merchant accoutn you can not get 2% rate. Unless you lied about your business nature.

For global business American Express (US dollar) is also very important. I am going to register a US corporation for that.

Who cares, unless your business relay on third world people's buy power. Paypal support most of the developed countries, where most of the internet business happens.

Paypal has its cons, as you said, not supporting all the countires, on top of this, its charge back is the most annoy feature, no excause... (paypal was imfamous of its terrible customer service, however, getting better as I feel).

The most important pro of paypal is providing an easy access of credit card payment to all the people who hold at least a credit card. No one else can do this.

An internet merchant rate is slightly higher than one of a merchant account, but it could be closer for a large volum transaction business.

Very helpful info here.

[cyber-patroller]

作者: transfer

It looks form here http://www.soltrus.com/english/solut...low_step2.html that TD only support Visa, is that true?

on TD's webpage, at least TD support both Canadian and US currency. For CC types, not sure, but I guess TD should take at least VISA and Master (not sure, better to call TD to confirm).

[Knowledge_IS_Power]

TD takes VISA (both currencies).

[transfer]

作者: cyber-patroller

no longer requires customers to register before making payments, it definately helps alot.

For your second question, usually the bank discount rate is about 2%, you need a internet merchant account as well as a pay processing account, then you register with verisign's payflow or pro.

if you consider 1000 or 500 transactions for free, included in its monthly fee, which less than 100 bucks (Canadian money),The verisign's cost is really a tiny one. verisign has the lowest cost as I can find out on the market so far.

However, as I said that paypal no longer require payers to register (to have a paypal account), it may give big impact to other payment processing providers, because paypal charges only about 1.8~3.2% of each transactoin (plus 25~35 cents per transaction) depending on the volum of your monthly transaction, paypal becomes a general term pay processing provider because of its convenience, plus its' competitive discount rate. I am consider only provide paypal to handling all the internet payments soon.

However, it would be a different story if you purtend to be a multi-million business on the internet, you'd better to get a independent SSL seal, a payment gateway that accept all the credit cards, BBB seal, and as many those fancy seals as you can.

I just noticed from Paypal merchant integration guide that Paypal account optional function is only open to the US-based merchants only for now.