Section Navigation

10. Resources
:Software and Services
10.1 General Advice
10.2 Affiliate Management Software
10.3 Bulk eMailing Programs
10.4 Checks and Wallet Systems
10.5 Internet Payment Providers
10.6 Publishing Resources
:Information
10.7 Professional Marketing Studies
10.8 General Information
10.9 eCommerce Marketing
10.10 eCommerce Statistics
10.11 Case Study Sources
10.12 General Business Information
10.13 Business News: Americas
10.14 : Europe & Russia
10.15 : Middle East & Africa
10.16 : South & Southeast Asia
10.17 : Australasia & World
10.18 Online Courses
10.19 Online Academic Journals
10.20 eCommerce Technology
10.21 Technical Magazines
10.22 Help for Students

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10.5 Internet Payment Service Providers

If you don't have an online merchant account, and/or your level of business doesn't justify getting one, you can use a third-party payment service provider. The rates below apply to US merchants selling physical goods through a bureau that does not provide a shopping cart, or to merchants not using a shopping cart available. Rates for non-US merchants may be a little different, so check on the payment provider sites.

Remember also to check what credit cards they handle, and the popularity of these cards in your target countries. You will generally have to inquire about chargeback fees (which tend to vary with incidence of chargebacks per month), and sometimes about other rates from payment providers that prefer to assess each merchant individually. Do an Internet search on the hosting company (complaints review company-name_or_ service) before finalizing your choice.

Internet Payment Service Providers

PSP

Setup

fee

Monthly

fees

Transaction

fees (from)

Transaction

fees (to)

Extra

fees for

Notes

Website

US $

US $

US cents

%

US cents

%

-

see key

2Checkout

49

-

45

5.5

45

5.5

manual

setup

-

abcpayments

inquire

inquire

inquire

-

inquire

-

-

IPP

AlfaBank

inquire

inquire

inquire

-

inquire

-

-

RBP

Alertpay

inquire

inquire

25

2.5

25

2.5

-

-

Alipay

inquire

inquire

inquire

-

inquire

-

-

CPP

Amazon

Payment

Services

0

0

1

1.5

30

2.9

balance

transfers

non US

+1%


Amazon

customers

only

BillJunction

Rs 225-

1149

0

inquire

-

inquire

-

-

IPP

BillMatrix

inquire

inquire

inquire

-

inquire

-

-

-

Business

America

inquire

inquire

inquire

-

inquire

-

-

BP

Card Accept

0

33

25

2.24

25

2.24

-

-

CashtoChina

-

-

inquire

-

inquire

-

-

CBP

Charge.com

0

26.95

25

2.25

25

2.25

merchant

account,

gateway,

statements.

SC

Charge

Gateway

150-400

35-295

10

-

50

-

-

-

CCNow

9.95

0-9.95

50

4.99

50

4.99

-

SC

Card

Commerce

inquire

inquire

inquire

 

inquire

-

-

HR

ClickandBuy

19.95

19.95

35

2.9

35

2.9

-

-

ClickBank

50

0

100

7.5

100

7.5

-

SC

ClickPay

-

-

inquire

-

inquire

-

-

CBP

CitoPay

inquire

inquire

inquire

-

inquire

-

-

IPP

CCBill

0

0

-

11.5

-

14.5

European

customers

-

Cyberplat

inquire

inquire

inquire

-

inquire

-

-

RBP

Dibspayment

€220-

1080

€55-

110

0

1.0

-

inquire

monthly

minimum

SPP

Digital

River

World

Payments

inquire

inquire

inquire

-

inquire

-

-

-

DirecPay

inquire

inquire

inquire

-

inquire

-

-

IPP

Ecommerce

Exchange

inquire

inquire

inquire

-

inquire

-

-

-

Ecommerce

Pay

inquire

inquire

inquire

-

inquire

-

-

ThPP

eNets

inquire

inquire

inquire

-

inquire

-

-

-

ePassporte

0

0-35

inquire

-

inquire

-

-

BP

ePay

inquire

inquire

inquire

-

inquire

-

-

BUP

Epoch

Merchant

Services

inquire

inquire

0

13

0

15

-

-

eProcessing

Network

inquire

inquire

inquire

inquire

inquire

inquire

-

SC

Gate2Shop

-

-

inquire

-

inquire

-

-

-

GeldKart

inquire

inquire

-

0.3

-

inquire

-

-

Google

Checkout

0

0

30

1.9

30

2.9

+1% for

overseas

customers

full

shopping

cart

service

Global

Collect

inquire

inquire

inquire

inquire

inquire

inquire

-

-

Global

Payment

Services

inquire

20

34

2.19

35

2.19

-

-

India

Pay

inquire

inquire

inquire

inquire

inquire

inquire

-

IPP

India

Internet

Rs

12,000

-30,000

Rs

1,200

-

3.25

-

5.00

 

IPP

Inpay

0

0

-

1.0

-

4.0

-

BP

InstaBill

0

49

50

2.35

50

2.35

payment

gateway.

international

merchants

-

Internet

Secure

inquire

inquire

inquire

-

inquire

-

-

-

iPay88

$150

-

40

-

40

-

-

EAS

iPayNA

inquire

inquire

inquire

-

inquire

-

-

-

Kagi

0

0

15

2.5

500

2.5

credit card

processing

UC CD

Membership

Plus

0

0

-

18

-

18

-

AS

Merchant

Accounts

CA

5-199

5-39

CA$ 0.15

-

CA$ 0.15

-

-

CPP

MicroPayment

inquire

inquire

inquire

-

inquire

-

-

-

Moneta

inquire

inquire

inquire

-

inquire

-

-

BP

Merchant

Services

Bergen

0

10

35

2.19

35

2.19

-

-

Money

Bookers

-

-

€0.13

-

€0.5

-

-

EB BP

Moneris

inquire

inquire

-

inquire

-

inquire

 

 

Multicards

25

49/yr

45

4.95

45

4.95

-

EB

NetBanx

-

-

£0.10

-

£0.45

1.9

monthly

minimums

-

NetBilling

0

25

15

1.5

15

1.5

-

-

NorthStar

Solutions

0

0

45

6.5

200

4.0

-

UC CD

Ogone

inquire

inquire

-

inquire

-

inquire

-

-

PayBox

inquire

inquire

inquire

-

inquire

-

-

FPP

PayByWeb

0

30

38

2.29

38

2.29

-

-

PayEasy

inquire

inquire

inquire

-

inquire

-

-

JPP

Paymate

-

A$0-33

-

1.5

-

2.4

prepaid

fees

A

PayPal

0

0

30

2.4

30

5.4

-

-

PayPoint

£125

£30

inquire

-

inquire

-

-

-

Plimus

0

-

-

4.5

-

15.0

-

-

ProPay

0

35-300

25

2.69

35

3.75

-

EB

PaySignet

Rs25,000

0

-

1.00

-

7.00

 

IPP

PaySimple

0

30

29

2.29

29

2.29

-

-

PayStation

NZ$200

-

NZ$0.1

-

NZ$0.1

-

monthly

minimum

NPP

PayXpert

inquire

inquire

inquire

-

inquire

-

-

-

RBS

WorldPay

£200

£30

£0.56

4.5

£0.56

4.5

-

-

RegNet

0

0

-

20.0

300

10.0

-

UC CD

RegSoft

9.95

0

300

-

-

8.9

-

UC CD

SetSystems

0

0

-

15.0

-

15.0

-

UC CD

Safecharge

-

-

-

-

-

-

-

POA

Secure

Trading

inquire

inquire

inquire

-

inquire

-

-

BPP

ShareIt!

0

0

100

4.9

100

6.9

-

UC CD

SWReg

0

0

100

2.9

100

2.9

-

-

Take Cards

Today

0

0

-

2.14

-

2.14

gateway.

statement

-

United

Bank

295

10

0

-

150

-

-

BP

VeriPayment

699

40

65

4.95

inquire

inquire

-

-

Verotel

0-1000

30

-

13.0

-

14.0

-

-

Web

Money

inquire

inquire

inquire

-

inquire

-

-

RBP

Western

Union

0

inquire

various

rates

-

various

rates

-

-

BP

Yahoo!

Small

Business

0

$40/m

0

1.5

0

1.5

-

full

shopping

cart

service

Yes-Pay

£42.50

£15-31

£52/month

-

£105/month

-

-

IPP

Key

A=Australian IPSP. AS=specializes in adult sites. BP=bank payment system.

BUP=Bulgarian IPSP (in Russian). BPP=British IPSP. CD supply service.

CPP=Canadian IPSP. CBP=Chinese bank payment service. CPP=Chinese

PayPal (in Chinese). DPP=Dutch IPSP. EAS= east Asia clients.

EB= specializes in eBay sales. FPP=French IPSP (in French).

HR=high risk accounts. IPP=Indian IPSP.

JPP=IPSP for Japan, east Asia and Philippines.

LBP=bank payment service for Latin America. NPP=New Zealand IPSP.

RBP=Russian IPSP and/or money transfers by prepaid cards (in Russian).

SC=Shopping cart supplied. SPP=Swedish IPSP.

ThPP=Thai IPSP (in Thai). UC=supplies unlock codes

Recurring Payments and Subscriptions

PSP

Setup

fee

Monthly

fees

Transaction

fees

(from)

Transaction

fees

(to)

Extra

fees

Notes

website

US $

US $

US cents

%

US

cents

%

-

see key

123Ticket

0

0

€0.11

-

€2.06

-

-

-

Alertpay

inquire

inquire

25

2.5

25

2.5

-

-

AllCharge

inquire

inquire

inquire

-

inquire

-

-

-

Amazon

Payment

Services

0

0

1

1.5

30

2.9

balance

transfers

non US

+1%


Amazon

customers

only

BillMatrix

inquire

inquire

inquire

-

inquire

-

-

-

ClickBank

50

0

100

7.5

100

7.5

-

SC

CCBill

0

0

-

11.5

-

14.5

European

customers

-

Gate2Shop

-

-

inquire

-

inquire

-

-

-

Global

Payment

Services

inquire

20

34

2.19

35

2.19

-

-

India

Pay

inquire

inquire

inquire

inquire

inquire

inquire

-

IPP

iPayNA

inquire

inquire

inquire

-

inquire

-

-

-

Membership

Plus

0

0

-

18

-

18

-

AS

Merchant

Services

Bergen

0

10

35

2.19

35

2.19

-

-

Multicards

25

49/yr

45

4.95

45

4.95

-

EB

NetBanx

-

-

£0.10

-

£0.45

1.9

monthly

minimum

-

NetBilling

0

25

15

1.5

15

1.5

-

-

PayBox

inquire

inquire

inquire

-

inquire

-

-

FPP

PaySimple

0

30

29

2.29

29

2.29

-

-

PayPal

0

0

30 F

2.4

30 F

5.4

-

-

SWReg

 

 

100

2.9

100

2.9

-

-

Verotel

0

0

-

16.5

-

18.0

-

-

WorldPay

£200

£30

£0.56

4.5

£0.56

4.5

-

-

Xiaonei

inquire

inquire

inquire

-

inquire

-

-

CPP

Key

A=Australian IPSP. AS=specializes in adult sites. BP=bank payment system.

CD supply service. CBP=Chinese bank payment service.

CPP=Chinese PayPal (in Chinese).

DPP=Dutch IPSP. EB= specializes in eBay sales.

IPP=Indian IPSP. NPP=New Zealand IPSP.

RBP=Russian money transfers by prepaid cards (in Russian).

SC=Shopping cart supplied. SPP=Swedish IPSP.

ThPP=Thai IPSP (in Thai). UC=supplies unlock codes

Telephone Billing

PSP

Setup

fee

Monthly

fees

Transaction

fees

(from)

Transaction

fees

(to)

Extra

fees

Notes

website

US $

US $

US

cents

%

US

cents

%

-

see

key

123Ticket

0

0

€0.11

-

€2.06

-

-

 

Allopass

inquire

inquire

inquire

-

inquire

-

-

-

BillJunction

Rs

225-

1149

0

inquire

-

inquire

-

-

IPP

DaoPay

0

0

-

10

-

71

-

 

Charge.com

0

26.95

25

2.25

25

2.25

merchant

account,

gateway,

statements.

SC

NetBanx

-

-

£0.10

-

£0.45

1.9

-

-

Ogone

inquire

inquire

-

inquire

-

inquire

-

-

PayByWeb

0

30

38

2.29

38

2.29

-

-

Verotel

0

0-30

-

20.0

-

30.0

-

-

Key

IPP=Indian IPSP. SC=Shopping cart supplied.

Micropayments

PSP

Setup fee

Monthly

fees

Transaction

fees

(from)

Transaction

fees

(to)

Extra

fees

Notes

website

US $

US $

US cents

%

US

cents

%

see

key

see

key

Allopass

inquire

inquire

inquire

-

inquire

-

-

-

AllCharge

inquire

inquire

inquire

-

inquire

-

-

SU

Amazon

0

0

0.25

20

0.25

20

-

Amazon

customers

only

Clickand Buy

inquire

inquire

1

-

inquire

-

-

-

PayBest

inquire

inquire

inquire

-

inquire

-

-

MS

Key

AD=paid by advertising. MS=music sales commissions.

SU=status uncertain.