3027534098 f568868b9e Payment Gateways We Put 2 More Under The Spotlight There are many payment gateways to choose from, just as there are tons of online shopping carts. Choosing the right one for your store is equally important with both as well. If you sign up for InstanteStore’s free ecommerce hosting shopping cart trial, you can see from the “Configure Online Credit-card Processing” page that InstanteStore is integrated with an extensive list of payment gateways. Most gateways are easily integrated into online shopping cart software packages.

In this article, we follow up on our previous article in which we took a look at Authorize.net and 2Checkout by going over the features of 2 more popular payment gateways that are integrated with InstanteStore as well as other online shopping carts.

PayPal Website Payments Pro

PayPal is owned by eBay. It offers a rather unique service – the ability to send and receive money fast without sharing financial information, thus making it safer too. It has more than 75 million active accounts worldwide in 190 markets covering 19 currencies, making it one of the most sought-after payment methods.

PayPal Website Payment Pro is a separate offering from PayPal that’s different from PayPal’s standard payment system. With PayPal Website Payments Pro, customers of an online store do not need to be redirected from the store to PayPal’s website where they’ll log into their PayPal accounts to pay for their order. Instead, merchants who use Website Payments Pro can integrate it with their store via Website Payments Pro API. This provides a seamless checkout experience for customers who can pay for their orders directly at the store they’re shopping at.

Website Payments Pro allows you to accept payment by phone, fax and mail as well. All major credit cards are accepted as well as PayPal balance and bank transfers. With this solution merchants can look forward to all the benefits of a merchant account and gateway in just one package.

Here is a breakdown of PayPal Website Payments Pro’s pricing:

  • Monthly fee – $30.00
  • No set-up fees
  • No cancellation fees
  • Transaction fees – 1.9% to 2.9% + $0.30 (Rate dependent on monthly sales volume)

If you need any assistance, you can try emailing PayPal’s customer service department, calling them (via an international telephone number where international calling rates apply. Their Limitations Department is available Monday to Friday 9:30 a.m. to 9:00 p.m. and 9:30 a.m. to 8:30 p.m. Saturday and Sunday. Their Claims Department is available Monday to Sunday from 9:30 a.m. to 8:30 p.m.), or you can get immediate help from their “automated customer service rep” (provided your questions are of a general nature). PayPal also has numerous forums where you can seek help for technical issues.

First Data Global Gateway

First Data Global Gateway (formerly known as LinkPoint International), is the gateway arm for the electronic commerce and payments solutions giant First Data Corporation. This gateway comes complete with essential features like recurring billing, a complex fraud protection method (which uses risk ratings, the behavioral approach, or a combination of both), tax and shipping calculation and echeck processing.

Their price structure is as follows:

  • Setup Fee – $75 to $300
  • Monthly Fee – $15 to $25
  • Transaction Fee – Nil
  • Recurring Billing – Included with no extra charge
  • Fraud Protection: Approximately $25 per month (if it goes gold)
  • eCheck – No setup fee, a $10.00 monthly fee, 2.00% discount rate and a 25 cent transaction rate

Merchants are privy to an FAQ page if they need any information. If more help is needed, a whole list of customer service phone numbers are available here.

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