Know Any Good Credit Card Processors (Gateways)?
We'd also like to see affordable fees (under: 2.5% processing fee, 25c/per transaction, $50/mo and $250 setup) and we need to have a flexible rebilling system. A simple recurring billing charge with start, stop and frequency isn't enough.
For example, someone signs up for a $50 a month plan, but on week 5 upgrades to $75/mo and on week 6 buys a video training course for a one time amount. Would want them to be able to do all of that without us storing the card and without them having to re-enter the card data (by us having a token or something to save and call against the cc service provider). We can handle the scheduled calls every week or month or whatever, but we need a provider that would allow us to call against any token for any amount with any frequency for an indefinite period (as many years as required or until the card expires). We'd also need decent API for responses so we can distinguish card expired from over limit from whatever else!
Does anyone have any good ideas/comments? Please post below and I'll post our research and final decision as a comment when we're done.
1) They cap their rate at 2.9% (that includes AMEX which is typically 3.9%). It appears they are willing to lose money on AMEX in exchange for the rest of the business. The most you'll ever pay is 1.9% - 2.9% + $0.30 per transaction, PERIOD.
2) The gateway fee is included in the CC rates. Percent + $0.30 transaction fee. No additional fees after that.
3) Fairly robust API set. Although their ColdFusion APIs are not working properly with the 2.0 program. We are just shoveling flat files around for the time being.
4) They bought Verisign and combined their PayPal platform into one.
Note that the PayFlowPro 2.0 Program is not yet advertised. You will need to talk to a rep specifically about that program.
Hope this helps...
Josen
Can you re-bill using PayFlowPro? That is the killer for us as it would mean we wouldn't have to store cards which would be *really* nice!
Thanks - will check them out!
You could look at Skipjack. I've done CF integration and recurring billing just fine. Steer away from clickandbuy.com.
Thanks for the link, they look good.
Thing that is killing us is that we don't want RECURRING billing - we want REBILLING, so once we have billed a card they will keep it in the system and we can allow client to make future one of payments without having to re-enter data and without us having to store the card data ourselves. That is what I'd really like. Anyone seen anything like that? With PCI/CISP requirements, we can't be the only people not loving the costs of meeting those requirements, but with small clients who still want to allow people the convenience of reordering without having to enter their card every time . . .
Any ideas?!
-Marc
I am putting another vote in for Payflow Pro. I have been using it across multiple clients for awhile and I have never had a probelm with them. I am also working on some new code that will eliminate the need to install the sdk on the server. Instead using Mark Mandels JavaLoader we can load the appropriate classes at runtime. If you have any questions don't hesitate to ping me.
http://www.danvega.org/blog/index.cfm/2007/2/8/Pay...
@Dan, Very cool - thanks for the lead. Will hit you up offline if/when we pull the trigger on this - thanks!
@Ed, Good point. Have used for a UK client. Will check more into their future billing system - many thanks!
I am currently using Authorize.net and they do not have an API for this. The only API I could find was to actually charge the cards/eChecks. But nothing that would lookup the status of a transaction. Obviously the goal here is to automate the process of verifying a charge did settle w/o manually looking in and cross referencing my systems transactionIDs with the processors to see which trans did not settle.
If anyone knows of any with this built into the API I would love to take a look at it.
http://www.elementexpress.com
They are a PCI-compliant IP payment processing service provider and have a product called PASS that securely stores card information and then passes back a reference pointer for use with any future recurring (or convenience) transactions that are run. They also support programmatic transaction status queries through the same interface. A simple XML or SOAP API is available on their site. As mentioned, they are the platform, so mechants don't have to pay extra fees like a normal gateway.