The list of payment services appearing below presents a comprehensive list of all the electronic payment services used by those people who are setting up an electronic store.
| Icon | Name of service | Type: GW/ Merchant/ Both |
Fees | Headquarters
and contact info |
Description |
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2Checkout.com | Merchant |
$49 setup fee 5.5% commission plus 45 cents per transaction. |
877-294-0273
Cust. Svc Columbus, Ohio United States |
Do not allow vendors to enter credit card info for customers. Can transfer to any account. Pay on first and 16th of every month with no additional fee. |
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ArvicSecure.com | Merchant |
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888-227-8421 Calgary, Alberta Canada |
Only deal with Canadian bank accounts that already have merchant accounts setup. Do not interface with banks outside of Canada. Canadian banking different because they must have only one type of credit card account. This prevents a monopoly from forming in banking. |
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Authorize.Net |
Setup
fee is $299 10 cents/trans |
877-447-3938
tech supt support@authorize.net |
Must have U.S. bank account and merchant account. "U.S." means that in the tax code, not in the Constitution. Need SSN or EIN. If sole proprieter SSN. Can't apply without SSN. Compatible with six diff. processing systems. | |
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Beanstream | Merchant | $75/month |
(888) 472-0811 Tech supt service@beanstream.com |
Largest payment processor in Canada. Exclusively a Canadian company. |
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Best Payment Solutions | Merchant | 866-289-2265 | Second largest merchant provider in the United States | |
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BluePay |
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support@bluepay. onlinedatacorp.com |
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Bank of America Credit Card Plugin |
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United States | ||
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Cambist Credit Card Plugin | GW |
$25/mo fee if go through Costco. |
301-279-2954 |
Payment gateway only. Refer people to Costco for merchant accounts. Good rates. Nova works best with their system. Go do Costco.com and click on services. Pay directly through credit card. |
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ChecksByNet |
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800-654-2365 sales@cross-check.com |
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Cardservice International | Merchant | No setup fee. | 800-634-7221 | American business |
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E-Bullion | Merchant | No setup fee. |
805-482-1460 CustomerService@e-Bullion.com |
Electronic gold exchange. API is missing currency conversion. Won't accept Canadian dollars. International company. |
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E-gold | Merchant | No setup fee. |
321-956-1200 Contact page |
Electronic payments using egold accounts only. Very good programming interface that has extensive currency conversion capabilities. Little ID required. A Nevis (offshore) company. Redemptions handled by G&SR, which is a Delaware Corp. Started in 1996. |
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eProcessing Network | GW |
|
(713)
880-0327 tech supt |
Independent gateway that works with merchant banks. Only work with U.S. banks and U.S. customers. Use U.S. dollars only. On four platforms. |
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Euroconex | Merchant | 353
1 2390200 info@euroconex.com Ireland |
Affiliated with Nova. | |
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EZIC Payment Gateway |
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Firepay |
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First Data | GW |
(800) 735-3362 Greenwood
Village, Colorado |
Largest credit card transaction company in U.S. | |
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First American Payment System | Merchant |
$105 setup fee $95 annual for merchant account. 3 tiers for transaction rates: 2.4%, 3%, and 3.85% 50 cent/transaction fee. 25 cent batch fee end of day. $8 statement fee. Gateway charge of $20/month. |
800-701-2831 customersupport@ Fort Worth, Texas United States |
Offer merchant accounts and are required. Use Firstpay.net. Can do international as well. Service nonprofits. Three tiers for trans rates: 2.4%, 3%, 3.85%. If cc transaction is corporate or purchasing card, goes through 3.85%. Merchant identification requires state-issued picture ID like driver's license. Require SSN or TIN for Primaries of organization. That derives from banks and internally. Only deal with banks in U.S. Go with Key Bank (interstate). Handle smaller merchants. |
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Go Realtime | Merchant |
$99 setup fee 2.29% discount rate plus 30 cents/ transaction. $10/month statement fee. $19.95/month gateway fee. $25/month minimum. |
Korey 800-803-1669 St. George, Utah United States |
To setup merchant account and payment gateways. Owners need U.S. business address and U.S. deposit account and SSN. No social if nonprofit organization. Must have 501(c ) designation and/or financials if non-profit. Banks require this, not them. Work with 3 or 4 banks. Have setup a few churches but all were 501(c ). Around since 1996. Have own payment gateway. |
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IntelliPay |
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(800)
487-4226 Salt Lake City, Utah United States |
Also called Pacific Webworks. | |
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Internet Secure | Both |
$150 setup fee for U.S. dollars $100 setup for Canadian only Trans fee is 25 cents Canadian and 75 cents U.S. dollars. Monthly admin $25 Canadian or $17 U.S. |
800-297-9482 sales@internetsecure.com Canada only |
Several merchant account types. Canadian only company. Can interface with any bank, including those outside the country. Merchant must be based in Canada to have account with them. Deal with 84 countries in the world, and most do their own merchant accounts for their own residents. Provide merchant account and transaction gateway service. Must disclose information about organization. Must have website. Test websites before offer services. Use PaymentTech for merchant account. |
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eCommerce Exchange |
Both |
$295 setup 2.35% discount rate plus 30 cents transaction fees $25 monthly fee minimum No statement fee Gateway access fee of $10 per month |
(800)
324-9825 Nashville, Tennessee United States |
They service 400-500 companies that sell merchant accounts for them. Must have a U.S. SSN. Merchant must be based in U.S. Merchant must have SSN or TIN and U.S. bank acct, which is acct that is transferred into. Company policy. Someone must have SSN on application. You can use their international processor. Can put up capital to eliminate risk so that no underwriting is necessary, in which case number not needed. Web-based transaction viewing system and produces PDF reports. Can filter by buyer or name. Work with Chase Manhattan as underwriting bank. iTransact uses them. Tons of agent offices. |
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iTransact, Inc |
$295 for SW. Service fee is $24.95/mo. Merchant account has $95 appl. fee with $10 monthly statement fee. 30 cents per transaction attempt and either a $24 monthly fee or 2.34 % of each transaction, whichever is greater. |
(801)
298-1212 service@itransact.com Bountiful, Utah United States |
VISA and Mastercard will require people in the U.S. to have Tax ID number. Processing credit cards is a privilege and not a right and they call the shots. Don't offer non-U.S. (federal zone) merchant accounts. VISA and Mastercard report revenues. VISA and Mastercard and U.S. based and most rules are company policy and not federal law. They require SSNs because they advance money to merchant accounts before money clears. VISA and Mastercard are not competitors, but part of same company, which is VISA International. Merchant account is with iPayment, which is a representative bank of JP Morgan/Chase. Require a principal to sign, who would need TIN or SSN. Around since 1994. Several members are Mormon. | |
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LinkPoint | GW |
|
(888)
477-3611 Tech supt support@linkpoint.com United States |
Their other payment service is YourPay. |
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Moneris eSelect | Merchant |
$149 Application fee $19.95/mo gateway fee Discount is 2.36% +35 cents. Maintenance fee $10/month Monthly minimum is $20 and goes against discount rate. |
800-471-9511 Cust Svc Moneris U.S. Merchant Services: Buffalo Grove, IL United States
Canadian
Office:
Royal Bank and Bank of Montreal owns both offices. Bank or Montreal owns Harris Bank. |
Merger between Royal Bank and Bank of Montreal. Offer VISA and Mastercard accounts. Use Authorize.NET and Peradata E-select as gateways. Quotes are for E-Select. Authorize.Net fees are $99 application and per transaction is 30cents/transaction, otherwise the same. Give VISA/MC merchant #, gateway use for CC processing. Hosted pay page included. Merchant acct hosted through Moneris and gateway through E-Select. Bank is Montreal is parent bank. Harris Bank is owned by Montreal Bank. Also outsource to Flagstar, First National, Suburban Banks. Bank must be in U.S. No territories, just state. Identification requires Articles of Incorporation, photocopy of DL of principal owner, photocopy of voided check, business license, financial statements if in business over 1 year. For nonprofits in U.S., need accountant-prepared financials, properly prepared Master Resolution, officer's name. Master Resolution needs to depict the Secretary or Asst Secretary or the Presider. Need their name, signature, and SSN or TIN. Company must be registered in 52 states. Resell other merchants. Merchant account and account that transfers into would be in U.S. If company has buffer account, it violates VISA/MC agreement. |
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NetBilling | GW |
$199 setup fee. Waive if nonprofit. $25/mo fee. 1.5% + 15 cents per trans. or flat rate 45 cents per transaction. |
(888)
357-8166 service@netbilling.com Santa Clara, California United States |
Gateway, but can also help with merchant accounts. VISA/Mastercard have global crossborder regulations. Bank must be in same country as the company. If merchant bank is in U.S., then company must be there as well. International accounts require min. $35K monthly volume. Want 6 mo. strong processing history to show. Compatible with processing platforms, not banks. VISA requires merchant, checking accts to in same country as company, and officers must be in same country. Optional fraud scrubbing, which is 10 cents/transaction. Also offer ACH processing, which is 3.25% plus 40 cents/transaction plus $20/month fee. Platforms include: FDR type 1 and 0, VISANet, Vital, Nova, SureFire, CardSystems/Maverick, Global Payment Systems, Wirecard, ECBP. To open merchant account, require application, voided check, driver's license, proof of business, articles of incorporation. |
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Nova Information Systems | Merchant |
2.04% plus 28 cents/transaction For foreign bank cards, 2.99% + 31 cents/trans. $20 monthly fees. No appl. or monthly fee if an Executive Costco member. If not executive member, $25 appl fee + 4.95 monthly fees. |
800-336-2621 merchantservices@ novainfo.com. |
Works through Costco Wholesale. Second largest merchant provider in the United States. Authorize.Net along with Verisign, ICverify, and PCcharge all work with them. Provide merchant account. Only in United States. Requirements: Products and prices must be listed, return policy, privacy policy, cust. service phone number, Security certificate, domain registered to merchant or business. Application is credit-based application. Owner/officer sign application. Must have 501(c ) status as a nonprofit. |
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PayOffshore |
|
44
1534 884000 info@payoffshore.com Island of Jersey, Channel Islands |
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Paily | Merchant |
NPX Technologies Atidim Science Park, bldg. 3 POB 58148 Tel-Aviv 61580 Israel Phone: +1 (888) MY-PAILY [+1 (888) 697-2459] |
Located in Israel. Primarily for high volume customers with $20,000/month or more. | |
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PayPal | GW |
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402-935-2050 United States |
Not a merchant account provider. Payments not guaranteed. Third party account and they have all rights to money. If there is a charge-back or fraud issue, they hold money for up to 6 months. |
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Protx | 0870
922 0312 support@protx.com London |
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PSIGate | Both |
$199 setup $44.95/mo 29 cents/transaction plus 2.95% (nonprofit) |
877-374-9444
Sales Mississauga, Ontario Canada Warren |
Canada and U.S. Destination account must be in same country as business/organization. In order to deposit the funds. InternetSecure, Paysystems, and Worldpay all own the merchant account, not you. Use PaymentTech for merchant account. Rolling reserve is 5% for 90 days. This is in place of security deposit. Not a way to obtain own merchant account without having a bank account in name of company that is registered in country of Canada. Banks issue merchant accounts. Approval up to them. In Canada, use PaymentTech, which is a div. of Scotia and Citibank. In U.S., use Humboldt, Harris, and Bankcorp. |
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QuikCommerce | Both |
Setup: $169.90/mo which includes 2x64.95+$40 appl fee. $64.95/mo lease for Wonderpay. $20 maint/month 2.35% plus 30 cents/trans. Minimum $20 fees per month |
(800) 748-6318 Support 800-675-6573 Sales Chatsworth, California United States |
Part of eCommerce Exchange and a subsidiary of it. Also synonymous with Wonderpay. Only do business in United States. Need U.S. SSN and U.S. bank account and U.S. address. Need website active, processing volume. Wonderpay processes transactions, and it costs $1695 or 36 pmts of $64.95. Link cart into merchant account. SW encrypts with 128 bit. Transactions take 2 days. Login to Wonderpay.com to check transactions. Can also do manual transactions over web. Normally target home based businesses. |
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RTWare | GW | integration@rtware.net | Payment gateway only. Do not provide merchant accounts. | |
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SkipJack Merchant Services |
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888.368.8507 support@skipjack.com |
LM | |
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Surepay | GW | 888-787-3729
Tech supt Mellville, New York United States |
Only U.S. company and must be deposited to U.S. bank. Go through sales channels. Don't interface directly with customers. Call Chase at 800-896-7161 for direct support. | |
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Total Merchant Services |
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Click here | ||
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Usight Gateway | GW |
$29.95/month No transaction fee |
800-544-9459 Bountiful, Utah United States |
New gateway is called Usight Gateway. Merchant account is separate. Get through Nova, Vital, Best Payment Solutions, etc. Deduct fees through epayment. |
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Verisign PayFlo |
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888-847-2747 paymentsales@verisign.com United States |
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ViaKLIX |
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888-545-2234
Sales 800-377-3962 Service |
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Vital | GW | No direct sales | 480-333-7799
sales sales@vitalps.com |
Third party processor. Don't offer merchant accounts directly. Do capturing and settlement. Don't deal outside U.S. Work with 300 banks in U.S. |
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Wonderpay | Both |
$245 setup fee 2.35% plus 30 cents per transaction fee $10
monthly statement fee plus |
(800) 675-6573 support
@wonderpay.com |
Can only work with U.S. banks. No out-of-country banks. Must be a "U.S. citizen" and have a SSN. TIN not sufficient. Run credit check on you. Process with Chase Manhattan and they have the "U.S. citizen" requirement. Have a Canadian affiliate called Durango Payment Systems at 970-259-8660. Go through iPayment as underwriter at 800-554-4777. Do about 750 new accounts per month. Provide a merchant account which is mine. Transfer occurs within 1-2 days after transaction. SW batches all transactions at prescribed times. iPayment has $10 monthly statement fee plus $10 gateway security fee, which provides SSL encryption for order page. |
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WorldPay | Both |
$299 U.S. setup $35/mo 2.95 % plus 45 cents. Chargebacks are $15. No cost for refunds. Payments weekly at $4 ea. |
866-497-4636 Sales 800-661-7079 Cust svc sales@usa.worldpay.com Sterling, Virginia London 800-506-8489 credit dept |
Can bring in as sole proprieter. Can list more than one principal. Provide merchant acct and payment gateway. Fraud protection and recurring billing solution. Owned by Royal Bank of Scotland. Homebase in UK. Have master merchant status. Shoppers anywhere. Merchant account has to be in same country as business is registered. Don't outsource anything. They provide merchant account and gateway. Signup is really easy and fast: 3-7 business days. Wire funds to any bank account. Can service merchant accounts globally. Provide online transaction management. Can dump into CSV format. To open account, need balance sheet, copy of photo ID of a principal, contract. Need CC to bill monthly payments to until transactions occur. No rolling reserve requirement initially, but may be required based on risk. Rolling reserve can be 5-15% rolling reserve. <1% charge-back rate preferred. Require SSN or SIN. Run credit-check. Require govt issued-ID. Can provide service without SSN/SIN. Eventually will require SSN but not now. Govt law requires them to know their customer. Can open merchant account anywhere. No Canada offices or merchant accounts. |