The credit-cards tag has no wiki summary.
20
votes
17answers
4k views
What is the best merchant processing solution? [closed]
If you want to take credit card orders (or pre-orders), what is the best merchant processing solution?
I've heard the PayPal and Google Checkout will freeze your funds if even a single person ...
8
votes
3answers
415 views
Should I give a discount when people pay with credit card
I have a software product (price around 700 USD). Some customers use PayPal, which is very low-touch and easy for us. Others want to do the whole procedure: RFQ / price quote / PO / invoice / wire ...
7
votes
8answers
555 views
Accepting payments… subscription plans
So, I am a total newbie when it comes to payment processing, acceptance of payments, subscription plans, etc.
I've recently built out the SaaS offering and will be in beta with it through the end of ...
7
votes
8answers
1k views
What's the Best Credit Card for a Start-up?
I've been using our debit/bank card to make purchases, and I'm not entirely comfortable putting that out there. I'd also like to potentially be earning points for things, although I don't want to pay ...
7
votes
4answers
438 views
Free Trials - Open registration Vs. Credit Card required
Does anyone have personal experience, good articles, or case studies that document the pros and cons of offering a free trial with no obligation (i.e. you don't collect credit card information at ...
6
votes
3answers
214 views
Can I require a credit card for a $5,000 service?
I'm getting to ready to launch a business-to-business service that will charge a $5,000 fee per service rendered. I would like to only accept credit cards, but I'm not sure if most customers are able ...
6
votes
5answers
547 views
Barriers to truly global payment processing?
As a startup in Australia, one of the problems commonly faced here is getting a suitable payment service that customers world wide can use.
It seems that since the implementation of global AML/KYC ...
6
votes
6answers
376 views
Credit card processing for startup
What are the options available for online credit card processing? I have developed a website where I need to charge credit card. I will not be interested in storing credit card information. I know ...
6
votes
5answers
333 views
How can I handle occasional credit card transactions?
I use Paypal to handle payments. Recently I found out they require the customer to have an account for large transactions. However, it is impossible for a corporate credit card user to create an ...
5
votes
8answers
687 views
High total credit card processor fees. Is going Paypal only good idea?
My revenue from my online business is getting lower over time and my credit card processing fees has approached 25% of my revenue. I am getting upset with all the fees the credit card companies and ...
5
votes
3answers
294 views
How can you reduce the number of credit card chargebacks for a website selling high value products that are vulnerable to fraud?
From this question on Merchant Account Chargeback Ratios, one answer suggested that websites selling high value items will have higher charge backs because more criminals will attempt to purchase ...
5
votes
3answers
306 views
Accounting for personal credit card
I have a personal credit card that I use for both personal and business purchases. Ideally, I would have a separate credit card for each. Until that is sorted out, how does my business spending on my ...
4
votes
2answers
294 views
Customer claims they have been charged twice over a year ago
I sell software and have recently been contacted by a company that says they have been charged twice for software purchased from my web site, the software sells for $1000 USD. They did purchase one ...
4
votes
3answers
614 views
The effect of my personal credit on my new LLC
If I have "less than stellar" credit, does this mean that my new LLC starts off with the same "less than stellar" credit ranking?
4
votes
1answer
154 views
Corporate credit without putting CEO as a personal guarantor?
Looks like a lot of things have changed, since I've had to look for this last time.
Right some of us have corporate credit cards at our company, but all of them have my CEO as a personal guarantor. ...
3
votes
4answers
2k views
What do people think about Intuit's online credit card processing?
It turns out that Intuit does online credit card processing. See here.
What do people think about their services? How do they compare to Google Checkout or PayPal?
Are there any horror stories?
3
votes
3answers
355 views
Chicken/Egg: New Startup, Need Credit Card
We're a new startup and need a credit card to make some online purchases. We're looking into options and all of them seem to want at least two years of business history, positive cash flow, etc. ...
3
votes
4answers
225 views
What do you do when you can't issue a refund?
I have a customer who is demanding a refund for a purchase made in August 2009. Usually my approach is to give refunds without a quibble, even if they are outside of my 30 day no questions asked ...
3
votes
7answers
248 views
What do you build in your e-commerce site to gain consumer trust?
I'm co-founding a start-up that is developing an e-commerce app. We're trying to decide what features to build in that shoppers would expect to see in order to feel comfortable submitting credit card ...
3
votes
6answers
547 views
Components of a payments system (end to end)
What are the components of a subscription/payments processing system/platform?
Does anyone have a good explanation of how providers like Zuora, Authorise.net etc. come together?
3
votes
3answers
353 views
What's the most efficient and cost-effective way to become PCI compliant?
I'm working on a business-to-business web app.
About a year ago we gave our users the ability to charge credit cards (from customers calling them over the phone) directly within our software system.
...
3
votes
2answers
316 views
What is the quickest way to offer your SaaS customers credit card billing?
I have a SaaS product and want to offer my customers the ability to accept credit cards themselves. What's the quickest way to set this up?
EDIT: I'm starting to think that giving the SaaS user a ...
3
votes
4answers
265 views
Reward deals on Business Credit Cards? Who gives the most kickback?
There are just too many incentives and rewards credit cards out there to choose from, so I wanted to ask if anyone knows of a business credit card that is particularly good.
Ideally I am looking to ...
3
votes
4answers
758 views
How can I separate my personal credit from my business without a lot of hassle?
I've been operating a local computer repair and retail business for about 2 years and haven't needed a line of credit until now. The problem is that I'm in college and have student loans. So, as a ...
3
votes
1answer
409 views
Top 20 US banks payment processing applications
Are there any research papers showing what applications the top 20 US banks are using for their credit card / payment processing application?
For example, Citi is using Visionplus and so is GE. Wells ...
2
votes
4answers
402 views
What is the most affordable combination for taking credit card payments online from around the world?
I have looked at the similar questions posted and believe mine is different - please read the specifics of my question below:
Assuming we do not want to use PayPal (or Google Checkout etc.), it seems ...
2
votes
7answers
497 views
Good options for credit card processing
I'm bootstrapping a micro-startup hosting service with very, very little capital.
All of my customers will have recurring billing with a possible trial period. Initially I integrated with ...
2
votes
3answers
399 views
Statistics about payment options
I am interested in how much of your sellings are thru Credit card / PayPal / PO / Wire / Fax / Phone / Check / Money Order... Can you, please, tell me first hand what are your payment options selling ...
2
votes
4answers
254 views
startup credit card issues
So here's the issue, I need to accept credit cards on my site, but I don't want to go through a merchant service, I want to go through visa/ amex/etc directly (it's a long story..). Now, to even get a ...
2
votes
2answers
594 views
Peer to peer marketplace payments
I am in the process of setting up a peer to peer marketplace. I would like to allow buyers to pay directly with credit card, and sellers to receive batch payments into their checking account directly ...
2
votes
4answers
431 views
Require Credit Card for Trial Sign-up
We are rethinking our 30-day trial for our B2B (small business) CMS. It is a very niche service and we have about 600 active paying subscribers at this point.
In the past, I have always subscribed to ...
2
votes
3answers
409 views
What is the easiest way to charge credit cards?
My site accepts credit cards through PayPal, but some customers still send me credit card information in their e-mails or purchase orders. PayPal does not allow me to use this information to charge ...
2
votes
2answers
112 views
Send payments to credit/debit cards
Does anyone knows about a company/service/way that allows to send payments to credit/debit cards? I want my website be able sending to worldwide affiliates their commissions that way.
2
votes
1answer
205 views
Merchant account charge back ratios
Anone familiar with the charge back ratios for merchant accounts?
I am starting a monthly re-occurring billing service that will no doubt have lots of charge backs from customers. I'm trying to ...
2
votes
4answers
435 views
Accepting online debit/credit payments in Italy
According to Wikipedia, accepting online credit card payments is possible in Italy
http://en.wikipedia.org/wiki/Debit_card#Italy. Anyone have experience implementing such a solution? Who has a good, ...
2
votes
3answers
416 views
Accept Credit Card payments in the US - Europe based company
We're a European based startup planning to sell domain names and digital goods into a niche market and will focus primarily on the US market.
The only current option for accepting credit card ...
2
votes
2answers
543 views
Do you have a recommendation on a micropayment credit card processor?
The transactions on my website are between $0.99 and $5.00. Paypal and other similar processors, charge 2.9% with a $0.30 transaction fee. This fee structure (particularly, the transaction fee) ...
2
votes
2answers
560 views
Payment processing questions for yet another SaaS model
We are working on building an e-commerce solution and offer it as a SaaS. Our service is limited in customer base, as in, we are only willing to provide this to a certain niche [handmade gifts and ...
1
vote
3answers
277 views
Legal implications of a chargeback on NO-Refund policy
I wonder if publishing a NO-refund policy will prevent the chargeback?
As a business, we'll show it where the customers can see it -- on the website and include in emails invoices and sales receipts. ...
1
vote
3answers
231 views
First time credit card processor?
Does anyone have any experience when it comes to jumping directly into your own credit card processor and merchant account with an online startup? I know some merchant accounts require you are already ...
1
vote
1answer
707 views
Can you act as a white-label payment service built on top of a payment processor?
Can a company who has a merchant account act as a white-label "middle-man" between another merchant and a payment processing company like Paypal? For example, a white-label company offers an API into ...
1
vote
3answers
106 views
Which Credit card processors allow us to retrieve payment information?
Which credit card processor allow us to retrieve payment information from their server in case if we need the payment information?
I believe my question isn't clear enough and I decided to write a ...
1
vote
2answers
309 views
Multi-vendor marketplace-Dealing with transactions & Payments
I'm a few weeks into developing a multi-vendor, business to business website. Here is my issue:
We could potentially have a single user purchasing from multiple sellers at one time.
We are ...
1
vote
3answers
113 views
Credit card processor fees
What is a cost of using a credit card processor? How much does it cost to set up for a small startup (lets say, a small store or a restaurant), what are the fees of using the processor, and what are ...
1
vote
1answer
234 views
What are some services that allow credit card payments on behalf of another company (i.e. Groupon, LivingSocial, etc)?
My startup operates in a similar fashion to that of the typical daily deal sites - we accept payment from our users, take a cut off the top, and pay out the person\company providing the goods or ...
1
vote
1answer
39 views
Instantly credit checking customers
I'm from the UK and I'm looking for a way to credit check customers on the fly when they enter their relevant information into our forms.
When they hit submit, I'm assuming we'll call some form of ...
1
vote
3answers
50 views
Suggestions for dealing with a monthly Subscription billed in $US but showing up in foreign currency as varying monthly amount
We just started a Monthly Subscription this year. We're now expanding it to non-US currencies (e.g., $AUD).
The challenge is that the amount the customer sees (in $AUD) will vary every month with ...
1
vote
1answer
50 views
Negotiating a volume discount on interchange fees
I think this forum is appropriate for the following question, but if not, I am happy to be directed elsewhere.
For startup business planning purposes, I am wondering if anyone here has heard of a ...
1
vote
1answer
100 views
Membership software
I am looking to create a business who's customers buy units of our product. It might even evolve to a membership situation where they are buying units on a scheduled basis each month. I want these ...
1
vote
1answer
56 views
When sending money from an office in one country to another, if this money is sent via credit/debit card payment are there any tax implications?
One of the company's co-founders is investing and to avoid high fees I suggested we use our merchant account whereby he will make a payment online and then I will receive the money in the UK. Is this ...
