3 ms·

Any recommendations for credit card processors for the rest of us out here?

• mahmud 16y ago
  I use FastSpring but it doesn't come cheap. I am on 6% :-(
  • jacquesm 16y ago
    That's cheap! :)
    • dhyasama 16y ago
      That's only cheap if you have an incredibly risky account, i.e., lots of chargebacks (think porno). For retail you can get under 2%. For ecom transactions (which is riskier because there is not a card present) look for something in the range of 3%. YMMV since there are so many variables and many merchant account providers play an intentional shell game with rates and fees.
• jacquesm 16y ago
  Sure: https://epoch.com/ https://epoch.com/ http://www.ccbill.com/ http://www.ccbill.com/ http://www.vxsbill.com/ http://www.vxsbill.com/ (disclaimer, run by friends of mine) Stay away as far as you can from IBill and e-passporte, jettis has also been going through a rough period. I hear good things about 'chargify', but I have no idea how well their anti-fraud measures are. My only problem with processing charges is consumer fraud, the people that actually bought the service that consume it for months and that then suddenly reverse 6 months worth of charges. This happens infrequently enough that it is not a problem. It is also impossible to protect against in an SAAS or subscription situation. Actual fraud that makes it through is a fat '0'.
  • jaf656s 16y ago
    Chargify isn't an actual credit card processor, they pass through to your gateway/merchant account. Their value is in simplifying the subscription management and recurring billing.
• tieTYT 16y ago
  I've heard good things about braintree. If you're an ecommerce site, I think shopify will handle it for you.