I've been hanging around here reading loads of threads about gateway/merchant accounts but I still have some questions/problems I hope some of you can help me out with before I can get started online.
Ok so the 3 main gateway options in Ireland are Realex, Sagepay and Worldpay.
Realex - 29e a month
Sagepay - 25e a month
Worldpay - 20e a month/Extra 150e setup charge for recurring payments!
From my research Realex definitely seems to be the best overall, Sagepay are ok too and Worldpay are good but take around 4 weeks to deposit funds into your merchant account (not so good).
If I go with Realex or Sagepay I will have to integrate them with my current shopping cart though. This will cost around another 250e to get that done by the looks of things. Worldpay is already fully integrated with my cart by the way.
So to review the total costs for me to have a fully working gateway:
Realex - 250e integration + 29e a month
Sagepay - 250e integration + 25e a month
Worldpay - Recurring payments setup 150e + 20e a month
Now for merchant accounts. I have a personal account at the moment with Ulster Bank and from what I have read they are one of best to work with merchant/business wise so I am wondering what sort of extra monthly fees would I be looking at using their Merchant services with these gateways? Even a average cost will help me out.
It probably varies somewhat so just to be clear this is a start up online business.
The only total pricing I have for setting up a gateway + merchant account so far is Worldpay using their 'business gateway plus' option which includes a merchant setup fee.
Worldpay - 295e (Incl Recurring payments & Merchant setup) + 20e a month
I hope some of you can point me in the right direction so I can come to a better decision about all this. These costs are starting to add up and my budget is not massive at all.
By the way Paypal isn't a option for me because I need direct integration for seamless 1 click upsells and for integrating with my membership site scripts. There are workarounds for doing that with Paypals Website Payments Pro but it isn't available in Ireland yet.