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Merchant Systems

PayJunction Trinity - RECOMMENDED OPTION

Pros

1. There are two configuration options, including one with a free set up.
2. Integrated shopping cart.
3. An online Virtual Terminal is included for less than the monthly fees of most other merchant accounts.
4. Provides the ability to process cards via card-swipe at your computer or from a Palm or Nextel phone. (additional hardware cost)
5. Provides the ability to process cards via ANY telephone (including ANY cell phone).
6. Extensive reporting features (all transactions kept forever).
7. Export transactions directly to Quickbooks and most other business accounting software.
8. Export customer information for use in marketing campaigns.
9. Simple recharging of cards on file for frequent customers.
10. No additional setup required for subscription purchases.
11. Much better processing rates than PayPal!
12. I am a PayJunction reseller to provide you hassle-free integration into your website payment system - and in setting up your merchant account.
13. Also as a reseller I am able to discount PayJunction's retail pricing to get you set up at a much lower cost (You will save $100s)
14. This is the system I use for my businesses, both online and offline... the best I have ever found.
15. More information here. No need to fill out the request form. Just call me and I'll answer your questions and send out the paperwork!

Cons

1. Programs have setup and/or monthly fees.
2. 2-3 Year Contract Required

Call me with questions or a FREE demo of the Trinity System

PayPal

Pros

1. It is free to set up and has no monthly fees for basic service. You pay them when someone pays you.

1. Integrated shopping cart.
2. An online Virtual Terminal is available for $30/month - less than the monthly fees of many other merchant accounts.
3. The discount rate for AmEx is lower than most other merchant accounts (2.9% at PayPal - about 3.5% elsewhere).
4. PayPal takes eChecks at the same 2.9% rate.
5. No contract required.
6. More information here.

Cons

1. Some prospective purchasers will not buy online if PayPal is the only payment choice.
2. Some programs require monthly fees.
3. PayPal does not offer card-swipe terminals or telephone call-in service.
4. The discount rate for Visa & MasterCard is higher than most other merchant accounts (2.9% at PayPal - less elsewhere).
5. PayPal refunds to a customer credit card can take up to 6 months.

Authorize.net

Pros

1. No purchaser issues with using Authorize.net
2. At the point when you are selling somewhere between $4,000 and $6,000 per month online, it becomes cheaper to use Authorize.net than PayPal because the discount rates for Visa and MasterCard are quite a bit less. Visa and MC make up the bulk of most clients' credit card sales.
3. Authorize.net is one of the biggest and easiest to work with providers of internet payment gateways - offered by a great many banks nationwide.
4. Hassle-free integration into your website payment system.

Cons

1. Most programs require setup & monthly fees (Check with your provider).
2. 2-3 Year Contract Required
3. Authorize.net doesn't offer a hosted shopping cart. We use one I built just for your website, but it has fewer features than you will get with the PayJunction or PayPal shopping carts.
4. Reporting features on the Authorize.net website are minimal.
5. There are no facilities for simple recharging of cards on file for frequent customers.
6. Additional setup required for subscription purchases.
7. No facility for capturing and exporting customer information for marketing campaigns etc.

1. More information here.

IMPORTANT NOTE:

1. Please contact me before you sign up with any merchant account processor, so I can be sure that your website store will support the payment gateway.