Any one experienced RBS Worldpay?

Gamer_T · 2 Feb 2010 at 11:12

Hi guys.

Our site currently uses PayPal to checkout on, however, we want to set up an RBS Worldpay Business Gateway Plus account so that customers can purchase our products without having to have cash in PayPal balance.

There's a few questions I'd like to ask though -

Do you get a RBS Checkout with this? Such as, could we have the 'add to cart' buttons next to each product?

Are the 'add to cart' buttons with this method set up exactly the same as PayPal, HTML?

Overall, is it a fairly easy system to use?

Thanks

Gav · 2 Feb 2010 at 13:06

worldpay is quite expensive.

have you had a look at protx (now known as sagepay)

From what I remember it is quite a bit cheaper..

Goldy · 2 Feb 2010 at 13:33

I use RBS Worldpay. Its good once you get past the activation phase which can be a slow process. I don't use the checkout, thats bespoke web design so can't comment on that.

On the whole its an easy system to use and has all the tools you would expect. I also have Futurepay and Moto for CC payments. On the downside it is an expensive service, and payments can take up to 6 weeks to come through which isn't ideal if you have cash flow problems.

Gamer_T · 2 Feb 2010 at 13:36

The problem we face here guys is that we don't actually own a merchant account, so we'd have to buy a package that included a merchant account. The RBS package included a merchant account for example.

Any idea if the SagePay includes a merchant account aswell?

gord · 2 Feb 2010 at 13:54

No they don't, you will want to add that to your bank account if you are going to use Sagepay.

Another popular service that includes merchant services is PayPals website payments I think.

Gamer_T · 2 Feb 2010 at 14:46

gord said:
No they don't, you will want to add that to your bank account if you are going to use Sagepay.

Another popular service that includes merchant services is PayPals website payments I think.

The business bank account is with Barclays, as I understand they are only able to give us a merchant account so that people can only pay with Barclaycard. That would be useless to us.

PayPals website payment? I think that's what we have right now, we just wanted to get around it so that we didn't have to rely on people having a paypal account, because if they don't have funds in there PayPal balance they aren't able to make a payment to us.

Cheers

gord · 2 Feb 2010 at 14:53

We are using our Barclays business account with SagePay. Barclays will set you up with a merchant account that you use with SagePay to accept any number of cards. It will not be limited to Barclaycard, maybe direct to the merchant account, but any website payment will be coming through SagePay and is just settled into the merchant account.

PayPal's website payments does not require customers to have a paypal account. It is a business level ecommerce payment processing system with merchant services included.
https://www.paypal.com/cgi-bin/webscr?cmd=_wp-standard-overview-outside

Gamer_T · 2 Feb 2010 at 14:55

Sorry for the double post but I've just looked into PayPal and they do do some sort of package.

It's called Website Payments Pro and as far as I can tell it'll allow customers to pay over the PayPal checkout with there Credit card/Debit card without the fuss of having cash in a paypal balance.

It doesn't say anything about it comming with a merchanting account though, any one got any ideas?

Cheers

Gamer_T · 2 Feb 2010 at 14:58

gord said:
We are using our Barclays business account with SagePay. Barclays will set you up with a merchant account that you use with SagePay to accept any number of cards. It will not be limited to Barclaycard, maybe direct to the merchant account, but any website payment will be coming through SagePay and is just settled into the merchant account.

PayPal's website payments does not require customers to have a paypal account. It is a business level ecommerce payment processing system with merchant services included.
https://www.paypal.com/cgi-bin/webscr?cmd=_wp-standard-overview-outside

So customers don't need a PayPal account and they can pay directly from there credit card with a bog standard PayPal setup? Hmm... Just wondering because we had a customer who called us this morning and he said he wasn't able to make a payment as PayPal said they wouldn't accept his Mastercard.

We came to the consensus that he didn't have a PayPal account or he didn't have funds in his PayPal account, I thought you could only pay INSTANTLY with PayPal if you were verified?

gord · 2 Feb 2010 at 15:01

Gamer_T said:
It doesn't say anything about it comming with a merchanting account though, any one got any ideas?

It should do, the Pro service says this "You get the features of an internet merchant account and payment gateway at a low cost."

They are bundled together.

Gamer_T said:
So customers don't need a PayPal account and they can pay directly from there credit card with a bog standard PayPal setup? Hmm... Just wondering because we had a customer who called us this morning and he said he wasn't able to make a payment as PayPal said they wouldn't accept his Mastercard.

We came to the consensus that he didn't have a PayPal account or he didn't have funds in his PayPal account, I thought you could only pay INSTANTLY with PayPal if you were verified?

With website payments your customers dont need a paypal setup at all. What was the reason for PayPal declining his Mcard?

Gamer_T · 2 Feb 2010 at 15:49

gord said:
It should do, the Pro service says this "You get the features of an internet merchant account and payment gateway at a low cost."

They are bundled together.

With website payments your customers dont need a paypal setup at all. What was the reason for PayPal declining his Mcard?

He said the reason was that 'PayPal doesn't support Mastercard'. We know they do so maybe he just had some sort of hiccup.

Cheers

Gamer_T · 2 Feb 2010 at 22:19

I didn't realise how troublesome applying for a merchant account is.

You need things like

* Proven history of PayPal sales
* Full business plan
* Last 3 months of Business Account bank statements.

I think it's probabaly best for us to establish some sales through PayPal first before we move on to anything else.

suarve · 3 Feb 2010 at 11:00

Gamer_T said:
The business bank account is with Barclays, as I understand they are only able to give us a merchant account so that people can only pay with Barclaycard. That would be useless to us.

PayPals website payment? I think that's what we have right now, we just wanted to get around it so that we didn't have to rely on people having a paypal account, because if they don't have funds in there PayPal balance they aren't able to make a payment to us.

Cheers

You don't need a Paypal account to pay using Paypal