Clients dont like paypal

June 16, 2003

I have a shop online and I have a number of clients that will not shop at my site do to the fact that I only take paypal.com payments. I would like to hear from others about some credit card options on how can I take credit cards without paypal. Something low cost and easy

wizardsandwars · June 16, 2003

Welcome to the club, john.

PayPal is quickly going downhill in terms of popularity.

As far as low cost processors, paypal is still the cheapest (you get what you pay for). If you process less than $1000 per month, you should take a look at 2checkout. If you process more than that, you should go with a merchant account and gateway. Both of these solutions will cost more than paypal does though. That's just the cost of doing business on the net.

mcbsolutions · June 16, 2003

PayPal is quickly going downhill in terms of popularity.

Hi,

Any statistics or articles to back that statement up or is it just an opinion?

Curious,

Steve

loxly · June 16, 2003

LOL, mostly opinion I would think and if there is "fact" then be aware that all statistics can be made to say what ever you want them to say.

Take a look at other options like ProPay that allow you to take the cc info and enter it yourself rather than requiring the customer to go set up an account.

If you do a search of the forums you will find many, many discussions of the good, the bad and the ugly in terms of merchant programs.

Do a Google search and be prepared to open your wallet and hike your prices to cover the cost of doing business with any credit card processor.

wizardsandwars · June 16, 2003

Just do a simple search for "paypal" on google, and you'll see how unpopular they are becomming. Class action lawsuits, breaking the Patriot Act, paypal scammers. There's tons of bad press out there today about paypal, and merchants that felt ripped off by them.

Hey, I still use paypal myself, in addition ot a regular merchat account. I feel like people that already have a paypal account like to use them. I even like to use paypal myself for some perchases. But there sure are alot of people that have alot of complaints. And I've been ripped off a time or two myself.

It's kinda hard to provide facts to back up a claim that paypal is becoming less and less popular amound merchants, but it sure looks that way to me. Like I said, just search for "paypal" on google and take a look for yourself.

Here are some of the articles that appear on the first page in hte results. All have recent dates.

http://www.aboutpaypal.org/

http://news.com.com/2100-1018-994810.html

http://paypalsuit.com/

http://www.internetnews.com/ec-news/articl...cle.php/2211561

June 16, 2003

Hi,

You could get your own merchant account through your bank and then get a ssl certificate from instantssl.com and process your payments.

spin · June 16, 2003

I have a shop online and I have a number of clients that will not shop at my site do to the fact that I only take paypal.com payments. I would like to hear from others about some credit card options on how can I take credit cards without paypal. Something low cost and easy

PayPal has a myriad of problems associated with it, and is not always so eager to go to bat for merchants when transactions have been conducted fraudulently. There are numerous lawsuits and legal issues which have caused us great concern in the past.

A traditional merchant account and payment gateway offers the merchant more opportunities of verifying and validating credit card transactions and preventing fraud, be it AVS/CVV/CVV2 to having the phone number and complete address information available to personally follow up on an order.

Personally, limiting orders to PayPal only tends to "cheapen" a website and it is my opinion that doing so is not in the best interest of the merchant.

This is my $0.02 worth, yet someone just said to me "a penny for your thoughts?" ... the way I see it, someone is making a $0.01 off me whenever I think. :D

Regards,

Daniel Nelson

June 16, 2003

I'll throw in the option I use. You can call around in your area for merchant service providers, and use a veriphone or similiar machine. You will still need SSL, but you can use a shared service. When the orders come in, you punch them into the machine by hand.

It currently costs me about $40.00 per month to keep the machine running -which gets really expensive if you don't use it. But, I've never had the problems with chargebacks and other questionable transactions that I've heard others talk about.

If I have any questions about a card's authenticity or whatever, I simply call a toll-free number and have it verified before I punch in the numbers. That way if there's a problem I know about it before I ship; and can call the customer.

One other thing...if I'm out of stock on an item that's been ordered, I can wait until it's in and I'm ready to ship before I charge the customer's card. That way, the bill isn't on their statement while the goods are no where to be seen!

I think you'll just have to shop around until you find the method that works best for you; there are lots of options besides PayPal.

wizardsandwars · June 16, 2003

One other thing to throw in here.

When we first opened for business, we only accepted paypal as payment. After a few months, we began receiving complaints, just as you are now. So we bagan expolring our options, and we decided to offer '2checkout' as an alternative, so when checking out you could use either 2checkout or paypal. This change was the only significant change we made to our website, but our sales increased over 80%.

Just some food for thought.

orchard · June 16, 2003

We do credit cards very similarly to DragonLady's method except we use ProPay instead of having a machine.

June 16, 2003

I use 2checkout and Propay.

Why do you loose customers with Paypal only? Here is my opinion:

When Paypal started and until maybe a year ago, you used to have to join to pay with a credit card. People didn't like that. So those who don't know that the policies have changed turn up their nose at Paypal.

And even though you do not have to join to pay with a credit card through paypal, your customer still gets a thank you for joining email and an activate your account email. People don't like to feel like they may have joined something unknowingly.

Just my 2 cents.

derek02 · June 16, 2003

My site won't be up yet for maybe another 6 weeks or so(I'm just playing around with osCommerce now). I plan on using 2Checkout to process payments. Later on I would really like to get a true merchant account but I don't have any credit. Would banks take into account how well my business is doing in deciding to give me a merchant account? Or have I already shot myself in the foot by refusing to by stuff on credit(no credit history).

Derek Cox

wizardsandwars · June 16, 2003

And even though you do not have to join to pay with a credit card through paypal

This is absolutly false All customers that use paypal to pay with their credit card *must* first sign up for a paypal account. You can *not* pay through paypal if you don't have an account with paypal. sorry to dissappoint you tntmom.

This is a big trun off for me as a merchat, when considering using paypal.[/b]

June 16, 2003

Would banks take into account how well my business is doing in deciding to give me a merchant account?

That probably depends on your bank. But even if your bank turns you down, I'm sure there are lots of other merchant service companies that will take you. It may cost a little more for the application fees, and they may give you a lower "ceiling" (that is, the number of orders you can process in a single period) for awhile, but it shouldn't turn out to be a big problem.

There are still other options like CCNow, but they usually end up being very expensive in the long run.

orchard · June 16, 2003

And even though you do not have to join to pay with a credit card through paypal
This is absolutly false All customers that use paypal to pay with their credit card *must* first sign up for a paypal account. You can *not* pay through paypal if you don't have an account with paypal.[/b]

Customers also have to use a CC that has never been used with a PayPal account before (like maybe by a family member). The combination of having to open an account you don't want and then having weird limitations on the credit card you use are just too much. I wouldn't want to be responsible for leading a customer into such a mess.

wizardsandwars · June 16, 2003

orchard,

I agree. Not to mention the fact that customers have to leave your soter, and the paypal payment screen is not very customizable, beyond a very small image, and the background color. It's still another 2 pages that the customer has to click through to make a purchase, and another password they have to remember.

And with alll of the bad press, people are hearing about all of these security issues, and class action lawsuits. That sure isn't encouraging them to use paypal.

Freedom Fighter · June 16, 2003

Yea, I have been hearing somethings about Pay Pal.. I haven't had a problem with them yet (knock on wood) Another thing I heard about them was that they are not allowing X rated sites to accept pay pal as a source of payment for their customer.. I kind of thought that was a funny.. Especially if they sit down and see that stats of how many people use Pay Pal to pay for things like that..

Regardless, I have yet to have one customer come through and complain about us offering pay pal as a choice of payment, nor have I had any complaints from a customer that chose to use Pay Pal to pay, and it wasn't successful..

They would really rock if they didn't make customers have an account before buying something from you.. If they didn't, then you wouldn't have to worry about merchant accounts or a credit card processing company..

We accept Pay Pal, Money Order, Check, and Credit Card.. So we are really flexible and offer our customers a nice selection to choose from to pay us..

I just hope Pay Pal doesn't do something stupid and screw it all up.. Now that they own E-bay, and all the fraud that goes on there, Pay Pal is going to start getting linked to the fraud that takes place on E-bay.. I just hope it doesn't happen anytime soon :(

derek02 · June 16, 2003

I just checked out ProPay that some of you ladies and guys just mentioned. That seems like an even better option than 2checkout for PayPal. How would the customers credit card be processed through osCommerce?

Derek Cox

Freedom Fighter · June 16, 2003

I haven't looked at ProPay.. But the reason business use Pay Pal and 2checkout (or another credit card processing comapny) is simply becuase Pay Pal won't process a credit card unless the customer has a registered account.. I'm sure you will find that Pro Pay has something like this as well.. If you really think about it, every place is going to have something in the works that they will benefit from to get more people on the ban wagon :)

orchard · June 16, 2003

I just checked out ProPay that some of you ladies and guys just mentioned. That seems like an even better option than 2checkout for PayPal. How would the customers credit card be processed through osCommerce?
Derek Cox

You use the standard CC module. 1/2 of the CC# is emailed to you and 1/2 is in the admin. Then you have to enter it into ProPay's web site manually.

Freedom Fighter: ProPay doesn't have weird limitations like PayPal. It's main draw back is that it requires manual entry of the CC info by the shop owner.

derek02 · June 16, 2003

I think ProPay's website said there was a 3 day waiting period before the money would clear. The money would also go into an account something similar to PayPal I think. I may stick with my original plan of using 2checkout since the 3 day waiting period would not be good for my future customers. Thanks for the input. As far as the deal with PayPal if you guys would visit their forums you would find a lot of negativity on there. The PayPal developers don't seem to be in tune to the needs of mom and pop stores. I also got the impression they were heavily understaffed. But I have used PayPal before and it does work good if you're not exchanging large amounts of money frequently. Ecommerce seems to be a different beast though.

Derek Cox

optix · July 14, 2003

So what are the pro-pay fees other than the $35 annual fee? What are the pros and cons of using it?

Am I correct in assuming that, with the ProPay module in OSC...

- The customer enters their credit card info into your actual site instead of being linked off-site like with 2checkout and PayPal.(if so that will definetely make you look like a pro)

- You get half the credit card info from the admin panel in OSC and half in an email. You go to the Propay Site... enter the info.. they hold it for 3 days... then pay you?

kazack · February 14, 2009

The fee with propay varies based on the plan / account you have. I am currently on the $59.95 plan with them.

When you submit payment it takes 3 days for them to clear the funds. After the funds clear you can either let the money ride or you can request a withdraw to your cheking account. I have been lucky they say 3 to 5 days but I get mine usually the same day or the next morning. Every now and then I have to wait the 3 days.

They do charge you a withdraw fee of like 50 cents or something like that. Now if you upgraded your account you can get a free bank card linked to your funds in your propay account.

Now the issue with propay is that you have to manually enter customers information into propay to process a charge or have an invoice from propay e-mailed to the customer for them to pay unless you pay propay the $400 fee for access to their API.

I created a solution for this which is in the contributions section that allows you to process credit cards via propay automatically without needing to pay the $400 fee.

This contribution works with the current credit card module. Then when you view the customer's invoice in the admin section you click the charge button and it will seemlessly process the customers information and return from propay approved or declined. Then the charge button will disappear from the invoie so you don't accidentally charge the customer twice.

This contribution can be downloaded from http://addons.oscommerce.com/info/6539

With this contribution it is highly suggested that if you don't have it that you get one an SSL CERTIFICATE.

Any questions please feel free to contact me. My contact details are in the contribution file.

Shawn

So what are the pro-pay fees other than the $35 annual fee? What are the pros and cons of using it?

Am I correct in assuming that, with the ProPay module in OSC...

- The customer enters their credit card info into your actual site instead of being linked off-site like with 2checkout and PayPal.(if so that will definetely make you look like a pro)

- You get half the credit card info from the admin panel in OSC and half in an email. You go to the Propay Site... enter the info.. they hold it for 3 days... then pay you?

ricksteruk2005 · February 14, 2009

you have dragged up a 6 year old post just to promote your add on?

February 14, 2009

just to let you know for those who use Propay.. i'm in the finance domain and rumor about paypal and propay to merge togeter came often. it will not be a surprise to see in a near futur the announcement that the merge.

personnaly i'm looking for a system like this one www.free-merchant.com but for canadian merchant. if somebody know one let me know it will be appreciate.

yours

sebastien

Clients dont like paypal

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