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How to accept credit card payments?

We are starting up small ISV and are researching how to accept credit card payments.  Any advice appreciated. 

So far the only two things we've researched are talking to our bank about becoming a credit card merchant (seems too expensive for us at this point) and using PayPal services (seems too amateur for us).  Is there some options in the middle?

Friday, June 25, 2004

Several hosting companies have credit card processing abilities.  Unless you need to host this on your own box you might want to consider leveraging the hosting company's work.

Friday, June 25, 2004

Apply here, see how much the costs are.

Hosting arrangements tend to tie your money up for 60-90 days.

Simon Lucy
Friday, June 25, 2004

could try a third party processor like

they seem to be most popular with the internet biz crowd but once you reach a certain level of business, it's cheaper to get a merchant account with a bank.

Friday, June 25, 2004

Green Pajamas
Friday, June 25, 2004

I've spent the last few weeks looking into this because I want "buy now" buttons on (my website). To summarize I closed my paypal account of 3 years yesterday, and chose - although their commission is somewhat high.

There are 2 kinds of providers: paypal, ikobo etc which require a lien over your account or credit card (read the small print!!), and shareware-type processors which send monthly payments and don't want bank account details. The first type charge less, but if you end up in dispute you have problems since they have the legal right to empty your account. Look at for more.

If you're really interested I can post details of all the places I checked out. To save time I suggest you visit and for a summary of online processors.

Bill Rayer
Saturday, June 26, 2004

Utilize a subscription system such as aMember ( ) that supports several different payment options. 

This way you can utilize a 3rd party payment system initially (like 2Checkout) and switch to a direct merchant account (e.g. through without any coding changes.

aMember has membership synchronization support through a series of plug-ins for most commerical applications ( ), so even though you may use phpBB forum software and perlDesk for your helpdesk support, the user database is synchronized and the user only needs one login.
Monday, June 28, 2004

Thanks for all the suggestions!

Monday, June 28, 2004

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