Credit Card Gateways


 





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Online Credit Card Payments


Secure Credit Card Processing for Merchants


There are many organisations that will provide you with the abilty to accept payment from your customers using their Credit Cards, such as MasterCard/Visa /Amex/Discover® Network, etc. as well as many types of Debit Cards, provided that you have in place an approved Merchant Bank Account agreement with your bank. This arrangement provides the merchant with an automated payment system whereby the payments are directly deposited into the merchants trading bank account.

However it should be borne in mind, that with all such gateways, chargebacks can still apply if the Credit Card has been stolen, or the owner claims its use was unaurthorised. Furthermore it can take up to 90 days before the merchant is informed by their Bank that a claim for a chargeback has been made.

Which ever facilitator you choose they will usually supply you with a package of customised code, which you include into your webpage to open their secure gateway and process your customer payments. While the list below is not all inclusive it does list several such organisations.


Dbar01


Credit Card payment Gateways


Australia


directone.com.au
Rates:- From $395 per annum with 45 cents per transaction (excluding GST)
Contacts:- Regular Post - Email - Telephone - Fax
Comments:- Authorised Merchant Account reqired -

e-path.com.au
Rates:- Once only Registration Fee 22.00 Inc. GST - Service Fee 242.00 inc. GST PA - Optional Decryption Software 176.00 Inc GST
Contacts:- Telephone - Email
Comments:- Authorised Merchant Account required -

eway.com.au
Rates:- $599 Set up Fee - Annual Fees - discount first year then $350 PA
Contacts:- Regular Mail - Telephone - Fax - After Hours Mobile - Email
Comments:- Authorised Merchant Account required -

eziwebpay.com
Rates:- On Application
Contacts:- Telephone - Email Form
Comments:- Authorised Merchant Account required -

intabill.com
Rates:- High - 4.25% to 7.5% depending on turnover.
Contacts:- Phone - Fax - email
Comments:- Intabill provide on site Authorised Merchant Account signup -
Claim high security for merchants.

mbase.com.au - (ePay)

Rates:- Setup 77.00 - Annual 393.00 - Fee per 500 Transactions 175.00 all prices ex GST
Contacts:- Regular mail - Telephone - Fax - Email
Comments:- Authorised Merchant Account required -

Paymate.com.au
Rates:- Buyers 0.50 in currency of choice + 3.0% of Transaction - Sellers charged 1.7% to 2.4% depending on type of account.
Contacts:- Regular Mail - Telephone - Fax - Email
Comments:- Authorised Merchant Account not required -

xilo.com
Rates:- Setup 350.00 - Monthly Fee 15.00 - Per transaction 0.60
Contacts:- Regular Mail - Telephone - Fax - Email - Email Form
Comments:- Authorised Merchant Account required - Will help establish account for new customers

Canada

AlertPay.com
Rates:- Personal Account 1.00 per Transaction - Premium Account: send free: receive 2.5% + 0.25 per transactio - Secured Account (No Chargebacks); 3.9% + 0.59 per transaction
Contacts:- Regular Mail - Telephone - Email
Comments:- Authorised Merchant Account reqired -

anypay.com
Rates:- Setup 99.00 - Mountly Fee 9.95 - Transaction Fee 0.01 + Third Party Fees.
Contacts:- Regular Mail - Fax - Email
Comments:- Authorised Merchant Account required -

hyperwallet.com
Rates:- On Application
Contacts:- Regular Mail - Telephone - Fax - Email
Comments:- Authorised Merchant Account required -

interac.ca
Rates:- On Application
Contacts:- Regular Mail - Telephone - Email
Comments:- Authorised Merchant Account required -


Europe

chronopay.com

Rates:- On Application
Contacts:- Regular Mail - Telephone - Email
Comments:- Authorised Merchant Account required -

India

CCAvenue.com
Rates:- Complex system using local currency
Contacts:- Regular Mail - Telephone - Email - Email Form
Comments:-Authorised Merchant Account required -

United Kingdom

Allpay.net
Rates:- On Application
Contacts:- Regular Mail - Telephone - Fax - Email - Email Form
Comments:-Authorised Merchant Account required -

Moneybookers.com
Rates:- Upload Funds 1.9% - Withdraw Funds - Bank transfer 1.80 EUR - Cheque 3.50 EUR
Contacts:- Reguar mail - Telephone - Fax - Email
Comments:- Merchant Bank Account not required but both merchant and buyer must have an account with this facilitator - Merchant account facilities also available. Probably the best option of this group as they do not allow buyer chargebacks.

Nochex.com

Rates:- Setup: £50 - Tiered % +20p
Contacts:- Regular Mail - Email
Comments:- Authorised Merchant Account required -

worldpay.com
Rates:- Setup £200 - Monthly Fee £30 - Credit Cards: 3.75% - 4.5% (2.4% - 2.9% IMA Fee, 1.35% - 1.6% processing fee) - UK Debit Cards: £0.50 - £0.45 (£0.20 - £0.25 IMA Fee, £0.18 - £0.25 Processing fee) Contacts:- Regular Mail - Telephone - Email Form
Comments:- WorldPay offers an Internet Merchant Account and payment processing service in one package:


USA

cardserviceinternational.com
Rates:- On Application - WBS will match or beat any rate*.
Contacts:- Regular Mail - Telephone - Fax - Email - Email Form
Comments:- Authorised Merchant Account required -

mycheckfree.com
Rates:- Not Available
Contacts:- Web Chat
Comments:- Authorised Merchant Account required -

PayPal.com
Rates:- Payflow Gateway: Setup $249.00 USD - Monthly Fee $59.00 USD up to 1,000 tractions - Additioal Tranactions $0.10 each
Contacts:- Frustratingly difficult - Email Form - Email phone
Comments:- Authorised Merchant Account required - PayPal Account required - Definately not recommended for sellers due the exeptionally high number of buyer chargebacks.

Propay.com
Rates:- Account Type - Basic: $34.95 - Premium: $59.95 - Premium Plus: $119.95 - Platinum $299.95 - Transaction Fees vary from 2.69% to 3.75% depending upom account
Contacts:-
Comments:- Authorised Merchant Account required -



 


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