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xiexie
Joined: May 31, 2004
# Posts: 6
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Posted: 2004-Jun-01 05:58
I need payment processor for online sales. I have found some processors via search engine. Such as Palpal,2checkout,ikobo and Authorize.net etc. Can anyone tell me the pros and cons of these companies?
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jemyma
Joined: Jun 06, 2004
# Posts: 1
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Posted: 2004-Jun-06 16:35
If you want info on how to select a merchant account provider check out this website expandyourbusiness.com You can download a FREE guide that explains the process. Cardservice International offers the FREE guide. This company provides a variety of credit card accepting services for all types of merchants, i.e. Internet, retail, mobile, etc.
Also, Cardservice International offers an excellent free to join affiliate program where affiliates can earn residual income for life.
Patricia
[ Message was edited by: bhartzer 02/19/2006 12:10 pm ]
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successco
Joined: May 13, 2004
# Posts: 26
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Posted: 2004-Jun-07 09:55
Pros and cons are (I think) fees involved (per transaction/amount of sale) and also the programming factors, when it comes to integration of the payment processor with a shopping cart and / or database and / or cgi script, whatever you may be using.
There are many shopping cart "systems" that will integrate semi-easily with 2checkout, authorize.net or paypal. Your choice on weighing that in as a factor I think depends on whether or not you even want to have a "shopping cart" function, or just single-item purchases.
I personally don't have any experience with ikobo (first time I saw it was in your post here). The 2checkout is my personal favorite just because I like how it could be completely integrated into my website pages, from purchase start to completion. Even when buyers go on to the secure server, 2checkout lets my complete header & footer files "wrap" around their payment section, so it really LOOKS like it's exactly part of my website.
So far as fees are concerned, last time I checked Paypal was still the lowest at 2.9% per transaction. I can't remember for sure what the others were. I still chose 2checkout.com for my own websites simply because I think asthetics have a big impact on purchasers (ie. being transported to a pretty darn generic paypal page VS. payment pages that just look darn good *humble*)
Authorize.net I have *heard* is by far the most configurable, but I've not had to help set up an account through them in ages, so my memory is not helpful.
Basically, it comes down to how much you're willing to pay up front, how much you're willing to share for purchases, and what will most easily go into your website purchasing process plans. What I would do, if I were you... is look at a lot of other sites VERY similar to yours (ie. your "competition" and see what they are using. See how it makes you feel as a prospective customer, and then use that judgement in your own decision process as well.
RE: the affiliate programs w/ payment processors > all the big ones have them. commission junction is loaded with them. and "residual income for life" is only for the "life" of the company, not of real people 
*cheers*
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xiexie
Joined: May 31, 2004
# Posts: 6
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Posted: 2004-Jun-07 12:17
I have read some articles regarding payal. It is said that paypal is available in few countries. And it only runs smothly in USA and Canada. Is it true?
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xiexie
Joined: May 31, 2004
# Posts: 6
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Posted: 2004-Jun-07 12:17
I have read some articles regarding payal. It is said that paypal is available in few countries. And it only runs smothly in USA and Canada. Is it true?
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successco
Joined: May 13, 2004
# Posts: 26
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Posted: 2004-Jun-08 08:13
Hard to say... "some articles" is extremely vague. Paypal does list the countries it accepts as: Anguilla, Argentina, Australia, Austria, Belgium, Brazil, Canada, Chile, China, Costa Rica, Denmark, Dominican, Republic, Finland, France, Germany, Greece, Hong Kong, Iceland, India, Ireland, Israel Italy Jamaica Japan Luxembourg, Mexico, Netherlands, New Zealand, Norway, Portugal, Singapore, South Korea, Spain, Sweden, Switzerland, Taiwan, United Kingdom, Turkey, Malaysia, Thailand, Venezuela, Ecuador, Uruguay and Monaco. However, I have no factual experience dealing with sending and/or receiving payments from people/business is the majority of those countries.
So far as running smoothly, a script is a script is a script, so that would depend as well.
Articles being true? Considering the source and verifying with parties directly involved is what I would suggest. Paypal does have a developer forum where issues including geographic location could be brought up I suppose.
However, I personally have not had problems with money transfers between the USA and the UK, Australia, or Canada. Beyond that, I have nothing but the above suggestions for some sort of experienced-based opinion.
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rackaid
Joined: Oct 27, 2003
# Posts: 87
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Posted: 2004-Jun-08 15:22
I suggest carefully running your sales numbers before using a 3rd party payment proccessor versus your own merchant account with an internet gateway.
You should calculate your break-even point or cost ratio between these two services. Depending on the your average sale price, your break even point will vary, but I've found it to be between $1200-2000 for many people.
Also note the added professionalism of have your companie's name and phone number appear on the credit card statement.
Implementation costs may vary as well but those are one time charges.
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xiexie
Joined: May 31, 2004
# Posts: 6
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Posted: 2004-Jun-14 10:55
I found serveral 3rd party processors via search engine. Such as 2checkout,Ikobo etc. 2checkout has setup fee and monthly fees. Ikobo has no setup fee and no monthly fee. Its tatal fees are even lower than that of paypal. It seemes good. Is there anyone has experiences of it. Give me some suggestions.
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stevenjm
Joined: Eons Ago
# Posts: 824
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Posted: 2004-Jun-14 11:08
Posted this before but here it is again just for you.
interesting discussion on Ikobo:
http://www.thaivisa.com/forum/index.php?showtopic=8621&st=0
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xiexie
Joined: May 31, 2004
# Posts: 6
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Posted: 2004-Jun-15 09:36
stevenjm
I have checked the link. It is interesting. But I am puzzled. I do not know which side shall I trust. Just like articles about paypal. So I think maybe I should try by myself.
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Webmaster-Toolkit.com
Joined: Jul 18, 2002
# Posts: 1098
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Posted: 2004-Jun-15 22:07
I don't know where your business is based xiexie, but for payments in the UK I find Protx both cheap and efficient
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stevenjm
Joined: Eons Ago
# Posts: 824
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Posted: 2004-Jun-15 23:51
"I do not know which side shall I trust. Just like articles about paypal. So I think maybe I should try by myself."
Good Luck! - thats your perogative(I thought the post from the link was pretty self explanatory and left no room for doubt)
I hope your not here to start defending ikobo in any way - seems to be a pattern with new posters jumping to their defence.
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stevenjm
Joined: Eons Ago
# Posts: 824
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Posted: 2004-Jun-16 01:50
Furthermore for the benefit of jimworld members not wanting to fall for a scam:
When you started this thread there was already a thread with all the info you needed directly under your thread. This thread included info on ikobo.
your first post at jimworld was this thread.
you steered the thread in the direction of Ikobo.
You wanted to know pros and cons.
the last time ikobo was mentioned was also a first time post by dtrip(still his only post) is this you?
I gave you a link which leaves nothing to the imagination regarding their practices.
and your answer:
"I have checked the link. It is interesting. But I am puzzled. I do not know which side shall I trust. Just like articles about paypal. So I think maybe I should try by myself."
Are you stupid?
The thread via the link discusses an outright Scam!
you got your answer and ,still , are going to try them?
Why ask questions about them at all then?
Either your an ikobo rep going into damage control so as to continue your scam.
(and not a very smart one or you would have let the previous thread get burried and not mentioned the word "Ikobo" until it was)And now I'm going to start a thread titled "ikobo scam"
Or your not very intelligent at all. If its the latter then don't bother getting a payment gateway at all because you do not have the intelligence to make a sensible decision.
[ Message was edited by: stevenjm 06/15/2004 06:34 pm ]
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xiexie
Joined: May 31, 2004
# Posts: 6
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Posted: 2004-Jun-17 04:33
stevenjm
I mentioned some articles about paypal. You asked me to Consider the source and verify with parties.(Hard to say... "some articles" is extremely vague. Paypal does list the countries it accepts as: Anguilla, Argentina, Australia, Austria, Belgium, Brazil, Canada, Chile, China, Costa Rica, Denmark, Dominican, Republic, Finland, France, Germany, Greece, Hong Kong, Iceland, India, Ireland, Israel Italy Jamaica Japan Luxembourg, Mexico, Netherlands, New Zealand, Norway, Portugal, Singapore, South Korea, Spain, Sweden, Switzerland, Taiwan, United Kingdom, Turkey, Malaysia, Thailand, Venezuela, Ecuador, Uruguay and Monaco. However, I have no factual experience dealing with sending and/or receiving payments from people/business is the majority of those countries.
So far as running smoothly, a script is a script is a script, so that would depend as well.
Articles being true? Considering the source and verifying with parties directly involved is what I would suggest. Paypal does have a developer forum where issues including geographic location could be brought up I suppose.
However, I personally have not had problems with money transfers between the USA and the UK, Australia, or Canada. Beyond that, I have nothing but the above suggestions for some sort of experienced-based opinion. )
so why must I trust the postings against Ikobo in the link you mentioned?
Do you work for paypal?
I do not know who is dtrip. Why do you think he(she) is me? Do you think youself are very intelligent ? I do not think so.
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stevenjm
Joined: Eons Ago
# Posts: 824
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Posted: 2004-Jun-17 05:57
Hey - if you want to use a company that has pathetic service, spams forums, gets accused of fraud, does not answer live help, telephone or emails, clearly do not understand english properly, is supposedly managed by someone in offshore banking, withholds money, asks you send enough details in hard copy to take over your identity, has been dropped by amex and mastercard, comes without any legitimate reccomendations except for ikobo employees or affiliates one time posts then you are not very intelligent at all.
You asked about ikobo and got your answer yet your still going to use them?
"why must I trust the postings against Ikobo in the link you mentioned?"
I'm not trying to sell you anything - use your common sense and do a bit of research.
I have 20 million dollars I can share with you if you send me Us 50,000. pm me and I'll send you the address.
- Bu xie
[ Message was edited by: stevenjm 06/17/2004 05:27 am ]
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stevenjm
Joined: Eons Ago
# Posts: 824
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Posted: 2004-Jun-17 23:41
I looked into ikobo a while back - emailed them to ask a specific question and email was replied to days later with a link to their faq(minus answer to my question or any comments).
Tried their live chat on numerous occasions and recieved "sorry try later" Finally got through after weeks of attempts at 9.30am US time to somebody that clearly had trouble with english.
Their site advertises that it accepts mastercard which is an outright lie!
Their "employees" spam numerous forums as first time posters pretending to be happy customers of ikobo - an outright act of deceipt. Don't take my word for it do a search in google and you will see hundreds of examples.
No long term members of any forums have anything positive to say about them. 6/10 transactions fail if you even manage to get a working account.
They ask for enough info in hard copy to completely steal your identity.
The website reaks of a simple one or two man show yet claims to be managed by a bigwig in offshore banking.
[ Message was edited by: stevenjm 06/19/2004 02:22 am ]
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stevenjm
Joined: Eons Ago
# Posts: 824
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Posted: 2004-Jun-18 09:18
heres our very own dtrip in kahoots with chenzhu and mentos on another forum strangely enough promoting ikobo(have a look at their only posts in their profiles) http://forums.devshed.com/showthread.php?t=124379
and heres xiexie(sorry I meant chenzhu) on another forum.
http://forums.aspfree.com/showthread.php?t=27500
Posts look familiar? - if they do not then scroll up and read this entire thread.
and heres xiexie(sorry I meant autumn) and co as first time posters on another forum.
http://p2p.wrox.com/topic.asp?whichpage=1&TOPIC_ID=12650&
also note there is a member on jimorld that has made no posts named "ikobo"
"Do you think youself are very intelligent ?"
smarter than you bunch of con men!
[ Message was edited by: stevenjm 06/18/2004 10:58 pm ]
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tiriac
Joined: May 10, 2004
# Posts: 15
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Posted: 2004-Nov-09 11:56
I am using ikobo for a year now and I am not afraid to promote them if this is the case. I bet you never tried to use them and the fact that you just read one or two threads and after that you just draw a conclusion demonstrates that you are not so bright. Excuse me but when people post about something, this is usually a negative remark so those links you gave us are just some opinions not shared by all the ikobo users (and they are a lot believe me).
And another thing. Paypal started its business using the same technique so please try them and only after that, post here and only then I will believe what you say.
Cheers man!
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slim_jim
Joined: Apr 10, 2004
# Posts: 8
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Posted: 2004-Dec-17 19:06
Bottom line is that as long as it works, I don't see any reason to not say it, so that others may benefit from the information. I won't say I'm not using them, because I am, and I'm also pretty much pleased with them. I hope no one will be calling me stupid or something worse for this.
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stevenjm
Joined: Eons Ago
# Posts: 824
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Posted: 2004-Dec-20 11:38
Amazing - you 2 guys have joined these forums and discussed nothing but ikobo in all your posts - what a coincidence!
I did look into them and was disgusted by their pathetic customer service - I could not even get my questions answered.
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