Processing payments

Mint_Sauce · 5 Apr 2008 at 17:45

I'm looking to set up a way of getting people to pay over online payment. I've read up about it a little and now know I need a payment gateway! Does anyone have any recommendations?

shr3k · 5 Apr 2008 at 17:48

I use paypal as then the vat's taken automatically, but it costs

But easy to set up and use and people trust it.

Mint_Sauce · 5 Apr 2008 at 17:52

Ok, thanks - I'll give them a look.

RockLobster · 5 Apr 2008 at 18:38

Protx, WorldPay and Barclays offer payment services I'm not sure what these are like but in a few weeks I'll be using the Barclays payment service so I will see then.

furnace · 5 Apr 2008 at 19:42

I've used Barclays EPDQ, Protx Form and Protx Direct (and paypal IPN, if that counts)... Protx Direct is the "nicest" as you can integrate it exactly as you want. Also, Protx's admin pages are much much better than Barclays EPDQ (IMO).

So, I would go with Protx Direct or if you want something easier to integrate Protx Form. Neither of them are as easy as PayPal, but PayPal is the least professional looking option available.

xirokx · 6 Apr 2008 at 00:53

is protx form free?

do they charge a small percentage fee from every transaction recieved?

thanks

furnace · 6 Apr 2008 at 02:13

Im not sure on the fees, but it's not free. The client pays those though, not me

I'm sure you'll be able to find the exact fees on the protx site

RockLobster · 6 Apr 2008 at 02:36

furnace what did you think of Barclays EPDQ?

furnace · 6 Apr 2008 at 13:55

It does what it says on the tin, really. It works similarly to PayPal - but that was probably just the version I worked with, I'm sure they'd have a Protx Direct-like version too. The only thing I can say about it is that I prefer the Protx admin pages. That, and Protx have *loads* of documentation and example code

EPDQ works very much like PayPal IPN. You have a 'callback' script which it sends details to on successful payment, then that script validates the transaction and you update your order to reflect whether payment went through OK. The callback script can sit in a directory secured by a .htaccess user/password thingy, and you set the user/password in the EPDQ admin pages.

voodooflux · 6 Apr 2008 at 15:56

Google Checkout might be worth a look. Other than that Protx seems pretty popular (and good value) at the moment.

RockLobster · 6 Apr 2008 at 19:03

furnace said:
It does what it says on the tin, really. It works similarly to PayPal - but that was probably just the version I worked with, I'm sure they'd have a Protx Direct-like version too. The only thing I can say about it is that I prefer the Protx admin pages. That, and Protx have *loads* of documentation and example code

EPDQ works very much like PayPal IPN. You have a 'callback' script which it sends details to on successful payment, then that script validates the transaction and you update your order to reflect whether payment went through OK. The callback script can sit in a directory secured by a .htaccess user/password thingy, and you set the user/password in the EPDQ admin pages.

Cheers seems straightforward enough.

Ed · 6 Apr 2008 at 23:00

Bear in mind most bureau services such as PayPal and WorldPay will take a while to remit the money into the linked account. Gateway provide electronic payment services that will remit the money in 2/3 working days. Choosing the right payment gateway is a tough one as cashflow, transaction throughput, cost per sale and integration all factor in.

Protx, despite having a mickey mouse admin system is actually pretty cost effective. Make sure when you talk to your bank you don't pay over the top for the merchant ID. They start by wanting hundreds but you can beat them down by threatening to take your business elsewhere.