Online Payment System ( No Merchant Acccount)

SupraSonic26

Hi all i have made a website i want to put in a online payment system without having to set up a merchants account if anyone knows if this is possible thank you?

rovoagho

Paypal

bassey

Do yuo need a merchant account with Realex?

jimmii

We use paypal it probably works a little more expensive but people trust it and its convenient just because so many people have accounts already and don't need to faff around entering card details etc. Its also handy to have funds there to pay for stock from international wholesalers means you cut out a few days waiting on funds to transfer via a bank transfer.

rovoagho

bassey wrote: »

Do yuo need a merchant account with Realex?

Yes. They're just rolling out a new system called Fire that will probably negate the need for a merchant account, but business accounts aren't available yet.

D Hayes

Stripe have launched in Ireland. We recently integrated it into one of our e-commerce stores.

You will need a VAT number to register with them. Other than that, you can use either a business banking account or a personal banking account. No need for a merchant account.

It requires a bit more work to set up than PayPal, but looks far better, as you are not redirected to a third party site for payments.

PM if you want to see it in action.

Pudders

Don't know if izettle has launched in ireland but you don't need a merchant account with them.

sandin

Initially just stick with paypal - simple to set up and integrate into the site, everyone trusts it and you just pay on the value of each transaction. (something like 3.4% +30c - drops if turnover reaches certain level)

If things go well, look at other options - but the paypal brand is an asset.

rovoagho

It is. I recommend it to clients these days even if they already have a more "professional" handler. One client has seen his PayPal sales outstrip Realex by a small percentage.

EirSurvey

Try 2Checkout - I've used them for years with no problems. No merchant account required and they accept all major credit cards.

galwayjohn89

EirSurvey wrote: »

Try 2Checkout - I've used them for years with no problems. No merchant account required and they accept all major credit cards.

I've found 2Checkout to be very expensive. Don't have the sums with me but think I was ending up paying close to 30% in fees by the time all the currency conversions and lost interest on the reserve was taking into account.

Have since moved to Stripe and find it much better. Easy sign up, payments in my bank account 8 days after received and no reserve. Low fees too.

rovoagho

Stripe is UK, US & Canada only?

Graham

I think Stripe are coming to Ireland soon (if they're not already in Beta here), Paymill are also worth a look.

D Hayes

rovoagho wrote: »

Stripe is UK, US & Canada only?

Ireland beta invites sent out a few months ago. Don't have a link handy but should be on their site somewhere.

galwayjohn89

rovoagho wrote: »

Stripe is UK, US & Canada only?

It's on private beta. I applied and was accepted in a few hours

D Hayes

Quick update on Stripe, it's now fully available in Ireland - no beta invited necessary.

rovoagho

Just joined the beta last week, switching over this evening. This is just the funt up the arse the payments market needed.

galwayjohn89

Anyone else in the Beta Testing get some cupcakes today! Have to hand it to Stripe, they know how to do business, free drinks last night, a free tshirt and free cupcakes!

rovoagho

The Collisons are ****-hot, they put most businessmen to shame.

relaxed

Just weighing up stripe and paypal at the moment.

Paypal, once you go over €10000, charge 2.7% + €0.35 per transaction.

Stripe are flat fee 2.4% + 24c + 23% VAT

Why are stripe charging VAT and paypal not?

galwayjohn89

relaxed wrote: »

Just weighing up stripe and paypal at the moment.

Paypal, once you go over €10000, charge 2.7% + €0.35 per transaction.

Stripe are flat fee 2.4% + 24c + 23% VAT

Why are stripe charging VAT and paypal not?

You sure about VAT pretty sure I'm not being charged.

Just saw it there. Maybe it is already included in the 2.4% + 24c?

SupraSonic26

Ya i contacted stripe and boo hoo dont cover high risk adult sites they would have been perfect aswell just to intergate there gateway into the site and send me my payments without having to make a stupid merchant account.

relaxed

Vuzuggu wrote: »

You sure about VAT pretty sure I'm not being charged.

Just saw it there. Maybe it is already included in the 2.4% + 24c?

Their website says:

2.4% + 24 cent + VAT

Seems they charge it alright

The Pontiac

Anyone using Paymill? It can be integrated into my eCommerce platform, whereas Stripe cannot be.

Fukuyama

I spent the last two days trying to design a cost effective system for subscription billing through Shopify. A little personal project of mine that's growing out of control! :P

And then I realize Stripe is now available in Ireland. I could have been in the pub!! :mad::p:pac:

The Pontiac

Dean0088 wrote: »

I spent the last two days trying to design a cost effective system for subscription billing through Shopify. A little personal project of mine that's growing out of control! :P

And then I realize Stripe is now available in Ireland. I could have been in the pub!! :mad::p:pac:

But Stripe cannot be integrated into Shopify if the currency is Euro.

http://www.shopify.com/payment-gateways/ireland

http://ecommerce.shopify.com/c/payments-shipping-fulfilment/t/stripe-com-when-will-shopify-allow-euro-144373

Graham

The Pontiac wrote: »

Anyone using Paymill? It can be integrated into my eCommerce platform, whereas Stripe cannot be.

I spent some time doing test integrations with both Paymill and Stripe.

Paymill is pretty much the Samwers' brothers Paymill clone so they're both fairly similar.

Both very impressive products compared to the old-school merchant account approach and it's accompanying hoop jumping.

The Pontiac

Graham wrote: »

I spent some time doing test integrations with both Paymill and Stripe.

Paymill is pretty much the Samwers' brothers Paymill clone so they're both fairly similar.

Both very impressive products compared to the old-school merchant account approach and it's accompanying hoop jumping.

Thanks Graham.

Think I'll sign up for Paymill then!

Graham

Out of curiosity, can I ask what made you go with shopify?

The Pontiac

Graham wrote: »

Out of curiosity, can I ask what made you go with shopify?

I did quite a bit of research/googling beforehand, and shopify seemed to come out on top.

It's very user-friendly, especially for a novice like myself. Simple to add products, categories etc. General customisation is easy and the support is great.

It has a nice clean look to it also. While customisation is easy, it's also limited (to a degree), so a generic look is inevitable. You'd know a shopify store straight away. Still looks great though.

The Pontiac

I'll be sending off the contact form and requested documents to PayMill in Germany tomorrow.

Would it be advisable to get rid of PayPal Express then, and have solely one payment gateway i.e. PayMill? The problem with PayPal Express on Shopify is that a customer is directed to the PayPal page without shipping costs been calculated. It's looks like free shipping, and there's isn't ant fix. It's a disaster.

With PayMill you stay on the site, and it looks like a very nice cart.

Do some people only use PayPal, and would I be cutting off potential customers?

Thanks

rovoagho

One of my customers added PayPal to his existing Realex payment method, and gets great results with it. I would never advise anyone to use PayPal Express though, it's a horrible implementation and in my opinion confuses and frustrates users almost as much as 3-D (Not) Secure. Even when my clients use PayPal Pro, which mandates Express, I advise them (carefully) not to use it. You actually have to break Magento to do this.

The Pontiac

rovoagho wrote: »

One of my customers added PayPal to his existing Realex payment method, and gets great results with it. I would never advise anyone to use PayPal Express though, it's a horrible implementation and in my opinion confuses and frustrates users almost as much as 3-D (Not) Secure. Even when my clients use PayPal Pro, which mandates Express, I advise them (carefully) not to use it. You actually have to break Magento to do this.

Cheers.

If only PayPal Pro was available here. I want to offer my customers both PayPal and an alternative credit card option. The PayPal Express gateway on shopify is absolutely horridly confusing.

What increase in sales did your client achieve?

rovoagho

You don't need PayPal Pro, if someone wants to pay with PayPal they would probably prefer the more visible Standard process anyway.

I don't remember the exact details but I think around 40% of his sales were coming via PayPal after I implemented it. Obviously some of those were simply people switching methods and I don't have data on actual growth, but he was pretty chuffed so I'm assuming there was actually growth.

Just bear in mind that PayPal is generally more expensive, that needs to be factored into margins. I would only every use PayPal as a secondary method, given the choice; and I'd rarely recommend more than two methods.