One big question for any online seller is ?How do I process payments from customers??. Most online businesses use a solution known as an ?Online payment gateway?. If you want to provide the best buying experience for your customers, you will definitely need one that is good and reliable..
There are many payment gateways available, so to help you decide which one to use, I did some research and came up with a list of the 10 most popular gateways along with a comparison chart. This will help you pick the best payment solution for you and your customers, more easily.
What is a Payment Gateway?
In short, a payment gateway is an e-commerce application service provider that authorizes payments for e-businesses, online retailers, and ?bricks and clicks?. Payment gateways allow you to list your merchandise or services online and automatically process credit cards, debit cards or other forms of payment without so much as lifting a finger.
Online payment gateway processing
Comparison Chart
| ? | Payment Gateway | Details |
| 01 | Paypal |
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| 02 | 2Checkout |
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| 03 | Google Wallet (Google Checkout) |
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| 04 | Authorize.net |
(*) Suggested retail price only. Actual retail fees vary according to prices set by Authorize.Net resellers (details). |
| 05 | Amazon Payment |
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| 06 | Worldpay |
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| 07 | Skrill (Moneybookers) |
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| 08 | Payza |
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| 09 | Quickpay |
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| 10 | Sagepay |
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Paypal
What I can say about Paypal is that it is truly ?worldwide. Paypal is a global e-commerce business allowing payments and money transfers to be made over the internet, and is one of the most popular.. With only an email address needed to sign up, you can begin sending and receiving payments. In addition, PayPal offers a ?merchant services? division that allows businesses of all sizes to accept credit card payments much like a normal merchant account, with low transaction fees.
2Checkout
The second candidate is 2Checkout, also called ?2CO?. 2Checkout is a merchant account alternative founded in 2000 that allows online merchants to accept credit card payments from their customers. 2Checkout could help your business go worldwide easily with 8 payment methods, 15 languages, and 26 currencies.Your international customers will feel confident if your website uses this gateway.2Checkout partners with dozens of the most popular online shopping carts and invoicing systems to allow simple integration, including Joomla shopping cart extensions such as redSHOP and VirtueMart.
To start selling with 2Checkout, you just need to sign up with 2Checkout by submitting an application. Wait for the application to be approved, then your site is up and running.
Google Wallet
Google Wallet, superseded Google Checkout and is a mobile payment system developed by Google. It allows its users to store debit cards, credit cards, loyalty cards, and gift cards among other things, as well as accessing sales promotions on their mobile phone. More and more people use smartphones and other mobile device, so they will increasingly use this type of payment service to shop anytime and anywhere they want. If you get Google Wallet, I think the number of your customers will also increase.
Authorize.net
Authorize.net is the fourth option . Since 1996, Authorize.Net has been a leading provider of payment gateway services, managing the submission of billions of transactions to processing networks on behalf of merchant customers. Authorize.net is a solution of CyberSource Corporation, a wholly owned subsidiary of Visa. There are many people using Authorise.net, although less than Paypal.
Amazon Payment
Amazon payment is a service launched in 2007 by Amazon. I?m sure one thing everyone knows is Amazon is one of the biggest retailers on the Web. This powerful and flexible payment engine allows users who are already familiar with and trust the Amazon brand to purchase goods from your web site using their Amazon customer ID. You and your customers may well feel more secure as a result of an association with the prestigious Amazon brand.
Amazon provides 2 products for business: Checkout by Amazon (CBA) and Amazon Simple Pay (ASP). You can choose which one best suits your business? size.
Worldpay
WorldPay provides a globally connected, locally coordinated payment processing service for all sorts of businesses, big and small in over 40 countries. They offer Business Gateway which is a smart, affordable solution for small to medium sized businesses wanting to accept online payments. It accepts more payments by offering all major card methods as well as PayPal, set up subscriptions and much more. For small and medium businesses worldwide, you can use Business Gateway Plus. It includes merchant accounts which helps you to trade online, access to multi currencies and world-class fraud-screening.
Skrill (Moneybookers)
Skrill helps online business websites accept credit and debit cards. It?s a very basic payment gateway ? a simple solution for small businesses. Skrill is used by over 120,000 merchants with more than 100 payment options and 41 currencies covering 200 countries and territories. Skrill processes payments in such a way as to help your customers feel secure, since they do not give personal payment information to the seller. It does not require the sender to register an account, only the recipient.
Payza
Payza is yet another quick and convenient method to receive funds from customers. With over 9 million members, Payza offers its services in 197 countries and in 21 different currencies. Payza offers foreign exchange services, fraud screening services, email invoicing, mass and single remittances and business management tools. If you use Payza it means you will have access to many great tools such as checkout payment buttons, shopping cart integration, merchant marketing kits, online invoicing and payouts.
Quickpay
QuickPay is another safe choice for online payment transactions. QuickPay works with all common credit and debit cards as well as other popular payment methods such as Paypal, Sofort Banking and other e-banking facilities. With QuickPay payment solutions, there are no sign up fees and you can access all common payment types within the one solution. Also, they have a great API to code with.
Sagepay
Last but not least, Sage Pay delivers secure and efficient payment services processing millions of payments each month for over 40,000 businesses.
Payments are processed securely online and over the phone with streamlined integration to your website or e-commerce platform. There are no contracts or hidden fees, however, the merchant account application process can take quite a long time, about 5-10 working days.
Conclusion
This list is just for reference, but all of them are popular and used by many online stores and people all over the world. Consider this list when deciding what your options are. Feel free to tell me your thoughts about these options by leaving a comment right here.
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Source: http://internetwebsitedesign.biz/articles/10-safe-and-popular-gateways-for-online-payment-processing
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