WorldPay Review

WorldPay was founded in 1993 and provides advanced payment processing and merchant account services. WorldPay has a variety of options available allowing you to pay only for what you need, however if you require a lot of the options (recurring billing, fraud prevention, multiple currencies), you may have to invest quite a bit initially.

 

Worldpay logo

 

WorldDirect

WorldDirect is WorldPay’s merchant account and payment processing package. You can also sign up for WorldAccess, allowing you to accept mail order/telephone order (MOTO) transactions for a once off fee of GBP 100.

One-Time Setup FeeGBP 200
Annual FeeNone
Gateway FeeGBP 30/Month
Credit Card Rate4.5%
Monthly MinimumNone
Recurring Billing SupportGBP 100
24 Hour Customer SupportYes
Fraud PreventionGBP 20/mo. + 1-2% per transaction (optional)
Merchant Account ServicesYes
Shopping Cart IntegrationYes
Customizable SolutionsYes

 

PayPal Review

Paypal was established in 1998 and was acquired by eBay in 2002. Today, PayPal is arguably the most popular payment processor available for online payments. They provide easy to integrate solutions for general commerce businesses, extensive fraud prevention, 24 hour customer support and competitive processing rates.

 

PayPal’s Merchant Solutions

Below are two of PayPal’s solutions, the PayPal Web Payment Standard, and the PayPal PayFlow Pro solution.

PayPal Web Payment Standard

This is PayPal’s standard package and is a cost effective solution allowing merchants to accept payments online. The downside to this package is that the customer must have a PayPal account, which could potentially result in the loss of business. The customer is also redirected through to PayPal during the purchase process which is less favorable than having the transaction take place entirely on your website.

Merchant accounts are not included in this package – you will need to obtain a merchant account elsewhere.

One-Time Setup FeeFree
Annual FeeFree
Gateway FeeFree
Credit Card Rate2.90% + $0.30
ACH Rate2.90% + $0.30
Monthly MinimumFree
Recurring Billing SupportNo
24 Hour Customer SupportYes
Fraud PreventionFree
Merchant Account ServicesNo
Shopping Cart IntegrationYes
Customizable SolutionsNo

PayPal PayFlow Pro

This is PayPal’s ‘complete’ payment processing package. The main differences are that merchants don’t require a separate merchant account and gateway, and that the payment process does not take place off the merchants website (unless the customer clicks the ‘Pay with PayPal’ button).

As a PayFlow Pro merchant you are also able to accept fax, phone and post orders – allowing you to accept payments from customers you otherwise wouldn’t have been able to.

One-Time Setup Fee$249.00
Annual FeeFree
Gateway Fee$59.95/mo.
Credit Card Rate2.90% + $0.30
ACH Rate2.90% + $0.30
Monthly MinimumFree
Recurring Billing Support$39.95 Setup

$29.95/Month

24 Hour Customer Support$12.00/mo.
Fraud Prevention$39.95 Setup

$29.95/mo.

$0.05/transaction

Merchant Account ServicesYes
Shopping Cart IntegrationYes
Customizable SolutionsNo

2Checkout Review

2Checkout, established in 1999 and headquartered in Columbus, provides e-commerce solutions to merchants across the world. 2Checkout provides credit card, debit card and electronic check processing services and features extensive trackign, reporting, anti-fraud tools and more.

 

2checkoutlogo

 

2Checkout’s Fees

One-Time Setup Fee$49
Annual FeeFree
Gateway FeeFree
Credit Card Rate5.5% plus $0.45/transaction
ACH Rate5.5% plus $0.45/transaction
Monthly MinimumFree
Recurring Billing SupportUndisclosed
24 Hour Customer SupportYes
Fraud PreventionUndisclosed
Merchant Account ServicesNo
Shopping Cart IntegrationYes
Customizable SolutionsNo

 

Charge.com Review

Charge.com process both offline and online merchant transactions, as well as mail and telephone order. One of the advantages to using Charge.com is that your money only takes around 48-72 hours to appear in your bank account, rather than the industry standard of roughly 20-45 days. Unfortunately, Charge.com does not appear to process ACH transactions, however if you require both offline and online processing capabilities they may be more suited to your needs.

Charge.com’s Fees

One-Time Setup FeeFree
Annual FeeFree
Gateway Fee$16.95.Month
Credit Card Rate2.25% + $0.25
ACH Rate
Monthly Minimum
Recurring Billing Support
24 Hour Customer SupportYes
Fraud PreventionUndisclosed
Merchant Account ServicesYes
Customizable SolutionsNo

 

Shine Merchant Solutions Review

Shine Merchant Solutions is an ISO that caters to both high risk and low risk merchants. By leveraging a number of solution providers, they are able to provide merchant solution at favourable rates. Their acceptable high risk list includes pharmacy, adult, travel, replica and more.

Shine Merchant Solutions provides Credit Card, ACH and eCheck solutions. Rates and fees are determined based on the particular merchant and their industry – you can apply through their website for a free quote.