I'm struggling to find a payment solution for my UK based startup. I don't intend to sell internationally for a considerable amount of time. I do have a turnover and can probably satisfy merchant account requirements, but I'm confused about almost all of it. For reference, I need fixed single payments and the ability to have variable subscription billing. Most of my turnover comes from contracting at present, and as such I don't have much money to devote to this.
I've considered the following, and the reasons for my confusion are included
- PayPal Website Payments Pro (too expensive; subscriptions seem to double the cost)
- WorldPay (objectionable setup costs, not sure I like it as a potential customer; can't find any implementation documentation - is it just a gateway?)
- SagePay (don't know enough about it, and confused by their website; not sure I like it as a customer; seems not to be just a gateway, but not sure)
- Google Checkout (not sure if I can do variable subscription billing; too much conflicting documentation and information online)
I'm looking for something as simple as possible, preferably all in one - if I need a merchant account then I can probably satisfy the requirements, but that introduces another level of confusion - who to go with? I'm happy to do the programming to integrate whatever solution with my website(s), but I need good, clear, concise documentation and that seems to be lacking in most of the things I've seen.
Does anybody have any insights into this, as I am beginning to tear my hair out over it.