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Alternatives to Paypal
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psunite



Joined: 27 Jan 2005
Posts: 6198
Location: Columbus OH

Posted: Fri Feb 04, 2005 10:23 pm    Post subject: Alternatives to Paypal  

Do you hate PayPal? Here are some good options for you.
Please post if you have tried any of these or know of others.
The sites below have (No monthly fees)

www.payzip.com
Payzip is an online account that allows you to transfer money between friends instantly and pay for products and services on the Internet. You will always have cash access to your funds with the Payzip ATM-card. Payzip supports users and merchants from basically all countries. They also support all major credit cards including Chinese debit cards, which enables merchants to sell their products and services on the Chinese market. Your funds can either be withdrawn as cash (using the ATM-card) or sent to any bank in the world. No monthly or annual fees.


www.yowcow.com
All YowCow sellers participate in our Advantage Plus program, which guarantees that if the goods you ordered don't arrive, you don't pay.


www.moneybookers.com
Especially suited to international users, but anyone can use them. They have a nice escrow service for 2% fee, and this could really solve a lot of problems we all face. However, they get a black eye for not informing customers of substantial changes in their service. For instance, they no longer accept e-gold and they will not accept sites with content they deem questionable. (adult and other sites) We recommend them, but unhappy with their failure to notify members (becoming just like PayPal) and very slow response to questions. Not as bad as Ikobo, but still more than a day to respond.


clickbank.com
You can only sell intangibles. (ebooks, hosting, services, etc) However, no monthly fees and very easy for your customer to use. Recommended, but has restrictions. You can also block users to reduce the risk of fraud based on their location, or accept almost worldwide. Your choice. You are also included in their merchant mall, which usually will bring you a little extra business. It also has a very nice affiliate program built-in. Rates a bit higher than others, but it's still worth looking at.

The above five sites where recommended by our friends from paypalsucks.com


www.propay.com
ProPay offers a simple, safe, and affordable service that gives you the ability to accept your customers' credit and debit cards. No special equipment is required
Propay allows sellers to process credit cards from buyers. Discount rate of 3.5% plus $0.35 per transaction, plus an annual fee of $29.95 - $299.95.
Similar to a merchant account


www.bidpay.com
Bidpay allows a buyer to purchase a Western Union money order online using a Visa or Mastercard. The buyer pays the fees for the item to be shipped either regular, 2-day or overnight delivery. Payment is sent to the address provided by the buyer. Alternatively, sellers can register to have the payments directly deposited to their bank account via an ACH transfer. The seller has no risk of chargebacks on bidpay transactions as Bidpay is the merchant. Perfect service for international buyers or buyers with low feedback to help minimize the risk to the seller.


www.neteller.com
Over 1,000,000 members
Over 1500 Online Merchants
Founded in 1999
Based in London
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elphin



Joined: 08 Feb 2005
Posts: 6
Location: Monterey Bay California

Posted: Tue Feb 08, 2005 2:31 am    Post subject: Re: Alternatives to Paypal  

I also have ecount. HTTP://www.ecount.com

You get a visa/atm card just like Paypal (which costs a couple bucks initially) but its a great way to accept payments with ZERO FEES which IMHO is very cool
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bbkings



Joined: 14 Feb 2005
Posts: 1

Posted: Mon Feb 14, 2005 1:56 am    Post subject: Re: Alternatives to Paypal  

Your description for Bidpay is not accurate. It's listed as Bidpay but the description talks about Propay.

Bidpay allows a buyer to purchase a Western Union money order online using a Visa or Mastercard. The buyer pays the fees for the item to be shipped either regular, 2-day or overnight delivery. Payment is sent to the address provided by the buyer. Alternatively, sellers can register to have the payments directly deposited to their bank account via an ACH transfer. The seller has no risk of chargebacks on bidpay transactions as Bidpay is the merchant. Perfect service for international buyers or buyers with low feedback to help minimize the risk to the seller.

Propay allows sellers to process credit cards from buyers. Discount rate of 3.5% plus $0.35 per transaction, plus an annual fee of $29.95 - $299.95.
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psunite



Joined: 27 Jan 2005
Posts: 6198
Location: Columbus OH

Posted: Mon Feb 14, 2005 4:19 pm    Post subject:  

Thank you bbking
I will update the description with both bidpay and propay.
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littlebitz



Joined: 01 Feb 2005
Posts: 96

Posted: Mon Feb 14, 2005 10:26 pm    Post subject: Re: Alternatives to Paypal  

Storm Pay is a DEFINATE NO - NO - They have a horrible rating with the BBB - here are parts of their report:

Based on BBB files, this company has an unsatisfactory record with the Bureau due to failure to respond to one or more complaints and or two or more otherwise unresolved complaints. However the business has resolved some complaints presented to the bureau.

Government Actions

On August 7, 2003, the Tennessee Securities Division sought and received a Cease and Desist Order filed against TymGlobal, Inc., Stormpay, Inc., and its principal officer John R. McConnell, Jr for selling unregistered securities, operating a pyramid/ponzi scheme which promised large returns on investments for participating, for failing to disclose the relationship between TymGlobal and StormPay, and for failure to disclose that the price per share of the TymGlobal general shares are arbitrary and do not reflect true economic value.

The Order does not prohibit any lawful conduct that the companies and its principal are involved in and orders all activities stated in the order to discontinue.


*** REMEMBER ALL - Do your research before you sign up for something and end up getting the shaft.

littlebitz
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psunite



Joined: 27 Jan 2005
Posts: 6198
Location: Columbus OH

Posted: Tue Feb 15, 2005 12:30 am    Post subject: Re: Alternatives to Paypal  

Thank you littlebitz

I only want reputable sites to be on the list. So I am going to remove them.

like littlebitz was saying
Do your research before you sign up for something.

Its always good to ask around before you sign up for something and share with others if you have a problem with a site.
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littlebitz



Joined: 01 Feb 2005
Posts: 96

Posted: Tue Feb 15, 2005 4:03 am    Post subject: Re: Alternatives to Paypal  

Not a problem glad I could help - I'd hate to see someone scammed or ripped off. I was just out researching and the thought I should post and warn everyone.

We need to find a reputable good alternative to Paypal. Something that gives us the same features and does not cost us a small fortune to have.

I've looked at some of the ones posted above and most seem geared to online web businesses. I just need a merchant account? Is that what it would be called?

You tell me...lol...here's what I need ~

Something my buyers can transfer money into to pay me - money that I have access to by debit/check card (like the PP card) - something If I want I can transfer money from it - into my bank account and I can do so without it costing me an arm & a leg. Something with online access like PP with all the transactions viewable with the click of a button. And when my buyers pay me they wont get charged. I don't even need anything that accepts credit cards. I get so few it does not even matter if I have that "feature" or not. Thats about it! :)

Some of these seem so complex. (although I have not looked at them all yet) I don't need all the bells and whistles. Just something basic -any basic ones out there???

littlebitz
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littlebitz



Joined: 01 Feb 2005
Posts: 96

Posted: Sat Feb 26, 2005 3:27 pm    Post subject: Re: Alternatives to Paypal  

Has anyone used neteller here? I'm interested to see what you think of it.

littlebitz
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weddingandgiftgallery



Joined: 20 Feb 2005
Posts: 34

Posted: Sat Feb 26, 2005 4:42 pm    Post subject: Alternatives to Paypal  

A good option to PayPal is Cardservice International: http://www.cardservice.com/

Merchant Account Application Requirements:
*Applicant must be principal owner of the business
*Business must be located within the United States
*Federal Tax ID# (for corporations only)
*Social Security Number
*US Commercial checking account DDA and Routing numbers
*You must be at least 18 years of age

You can accept Visa/MC/eChecks/Debit Cards online or with a swipe machine (wireless terminals are nice in case you travel or sell to friends). Their merchant discount rate is only 2.39% + $.25 per transaction (quite a bit lower than PayPal), and there is NO application fee (if you want to accept AMEX and Discover, a separate underwriting application will be necessary). You can apply online or call them at (877) 852-1292 (M-F) or email them 24/7. We received approval within one hour, and unlike ProPay, an up-front credit card payment is NOT required. CSI can be used for online auctions, too (we're moving all of our products to www.onlineauction.com and will put a logo on our auction pages). It is a good idea to purchase an SSL (secure socket layer) certificate (+/- $100) so buyers will know they are paying thru a secure terminal. CSI offers a free shopping cart service for up to 50 products. Customer payments are deposited into your checking account, but they will send you a debit card (like PayPal's) if you want to withdraw funds from atn ATM. Always read the fine print before signing anything! There are typical charges like with all merchant accounts, such as for chargebacks or eChecks that bounce, but their fees are less than other merchant services. Monthly fees are about $45 (you can see statements online). You will need a valid U.S. checking account number + its routing number. Be sure cookies are enabled when you fill out the online application or it won't work.

On a related note, if you're looking for a fantastic (easy) web hosting company, try www.shoppingcartsplus.com. We signed up, and creating a web site is incredibly easy. They have 1,500 web site templates all ready to go, and they have daytime phone support + after-hours email support.

http://www.shoppingcartsplus.com/

I signed up for GoDaddy's web hosting and then requested a refund because they have FEW choices of templates and don't allow customized pages (they don't tell you this prior to making payment!). Shoppingcartsplus is a dream come true with easy menus and step-by-step instructions on setting up a web site. You can use their PayPal setup AND your own merchant account. Again, be sure that cookies are enabled when signing up. if you don't yet have a domain name registered www.godaddy.com is good for that because they are inexpensive, and they do have 24/7 support (too bad their web hosting isn't better).
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Run-A-Bay



Joined: 01 Mar 2005
Posts: 11
Location: Texas

Posted: Wed Mar 09, 2005 7:30 pm    Post subject: Re: Alternatives to Paypal  

What about these two?

Ikobo

PPPay
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LB



Joined: 21 Feb 2005
Posts: 34

Posted: Wed Mar 09, 2005 8:11 pm    Post subject: Alternatives to Paypal  

We just received approval of our merchant account from CardService International (1-866-295-5264). You can sign up at:

www.cardserviceinternational.com

Customer service is at ext. 13. Tech support is open 24/7 at 1-800-456-5989, ext. 4100. Their per-transaction merchant rate is less than PayPal (PayPay raised their rate to $2.99% + $.35 per transaction, and although you don't pay PayPal a monthly fee, you make up for it in eBay fees). CardService's rates are:

Visa/MC - 2.35% + $.30 per transaction
Virtual (eChecks) - 1.99% + $.20 per transaction

The monthly merchant rate for the virtual terminal is $15.95/mo., but if you add the virtual check option, the monthly rate drops to $9.95. You can take customer payments by phone and manually enter them into the virtual terminal from any computer AND they give you a FREE SSL certificate where elsewhere we noticed they cost between $89-120. You also can generate Buy it Now/Add to Cart buttons and add them to your auction pages or web site. They have very good customer service, and their emails are professional and detailed.

I briefly looked at ikobo and pppay and will check them out further (thank you).
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psunite



Joined: 27 Jan 2005
Posts: 6198
Location: Columbus OH

Posted: Wed Mar 09, 2005 8:27 pm    Post subject:  

LB
Thanks for the info
Can you post that also in the "Merchant Accounts" forum
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LB



Joined: 21 Feb 2005
Posts: 34

Posted: Wed Mar 09, 2005 8:30 pm    Post subject: Alternatives to Paypal  

Sure, I will do that, once I figure out how to do it :)
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ahb



Joined: 19 Feb 2005
Posts: 242

Posted: Wed Mar 09, 2005 8:46 pm    Post subject: Re: Alternatives to Paypal  

LB wrote (View Post): › docWrite("quote")Sure, I will do that, once I figure out how to do it :)
I'm doing that for LB right now...
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LB



Joined: 21 Feb 2005
Posts: 34

Posted: Wed Mar 09, 2005 8:53 pm    Post subject: Alternatives to Paypal  

Thank you, Angie :)

Laura
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