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  #11  
Old 03-10-2003, 09:09 PM
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jeaniesa jeaniesa is offline
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Margaret, sounds like the perfect solution for your son. Not sure it's the best for me since I don't have a merchant account (yet).

Kevin, if you do decide to go with Paypal, one of the suggestions on the PaypalS*cks site was to open a checking account specifically for Paypal transactions and keeping the account balance fairly low. Also, keep your Paypal account low as well. That way, if the worst does happen, you won't be out that much.

Jeanie
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  #12  
Old 03-10-2003, 09:15 PM
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Jeanie that sounds like sound advice. I think it might head off potential problems.
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  #13  
Old 03-13-2003, 08:51 PM
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KevinBE KevinBE is offline
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I checked into one of the bigger Merchant Acount services "Cardservice International". Their rates are pretty high. Here is what I received from them:

2.42% keyed MasterCard / Visa rate with $.25 a transaction
American Express, Discover, Diners and VirtualCheck available
$20 Gateway monthly fee
$10 Customer Support monthly fee
$25 Minimum Processing monthly fee
LinkPoint Secure Gateway/Central Perpetual License - February Special $295.

I can see that if I had a high volume retail site I could justify this but for just starting out I'd rather not have anymore overhead than I have to.

I've already found that my variable pricing structure is going to be a problem to set up with anyones card service.
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  #14  
Old 03-14-2003, 10:48 AM
webiedesign webiedesign is offline
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I use Mals ( http://www.mals-e.com/) free cart to collect the credit card information, and www.pro-pay.com to process the cards.

Mals is free and ProPay has fees and limitations, but it was the best deal I could find for me.
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  #15  
Old 03-14-2003, 11:02 AM
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Welcome to RetouchPro Mary!! What a great contribution for your first post!

I've only had time to briefly scan the links you provided. The Mals one looks very promising. The Pro-pay link looks like it's only a payroll service. Are you sure that's the right link?

Thanks for the info. Any and all help/suggestions on this topic is welcome!

Jeanie
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  #16  
Old 03-14-2003, 11:11 AM
webiedesign webiedesign is offline
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There ya go, typing from memory can be bad... here is the correct link:
http://www.propay.com/
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  #17  
Old 03-14-2003, 11:18 AM
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That looks a LOT better. THANKS!

Jeanie
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  #18  
Old 03-14-2003, 02:48 PM
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Kevin,

Those fees for CardService International DO look high! After many, many hours of researching merchant accounts online, I'm convinced that Practice Pay Solutions is the best deal - if you want a merchant account solution. Yes, it does have some monthly fees, but they are significantly less than others I've seen - AND I've seen nothing but positive feedback about them. (Also, I have a friend who just started using them and is very pleased with their service.)

Propay (which Mary gave the link for) is certainly another option. Their monthly transaction limits might be a little low if you're really hoping to make a living from your business, but for just starting out, they look pretty good. If you start to have monthly transactions over $1500, I think it would actually be cheaper to go with Practice Pay Solutions.

FWIW, I would go with Propay over Paypal any day. It looks like people do NOT need to be a Propay member to pay with a credit card. A definite plus in my book!

My $.02 as I continue to be depressed at how long my website is taking to build...

Jeanie
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  #19  
Old 03-14-2003, 02:52 PM
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Mary,

I do have a question about your ecommerce solution... Do all of your products/services have set prices or are some of your services "variable"? The problem I'm running into when I think about shopping carts is that it seems you have to have a set price for anything you put in the shopping cart. But, in my case, I set the price for a restoration or other project AFTER I've seen what I'm being asked to do. Is it possible in Mals (or is there some other solution that I'm missing) which allows the customer to type in the amount he wants to pay you? Am I making sense or do I need to explain it in a different way?

Thanks,
Jeanie
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  #20  
Old 03-14-2003, 03:06 PM
webiedesign webiedesign is offline
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yes, here is some info from Mals on it:
http://www.mals-e.com/support/ctutorials/tscr.htm?pg=5
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