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pay pal vs merchant account

Merchant Accounts, payment processors, integrating shopping carts, secure servers and anything related to taking payments and processing online orders

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pay pal vs merchant account

Postby networkmom » Thu Dec 21, 2006 8:39 am

I am currently using pay pals virtual terminal to process my credit card orders but I do have to do in and manually input the credit card info, name address etc.. before the order gets processed. This is getting very time consuming and wonder what other options I have?
See when I manually add the orders I also add the shippping accordingly depending on what they order since a lot of my items can be heavier and require additional shipping (which I state on the site) So I am even wondering if a real time processor would even be something I could use. Does anyone know about this and could give me some advice?
I need to automate this somehow, processing orders is taking a great deal of my time.

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Postby Jim Guinn » Thu Dec 21, 2006 10:38 am

Hi Denise,

Interesting topic since I just cancelled my Merchant Account today in favor of PayPal....I was tired of paying the $50 monthly fee on top of the percentage for each transaction.

I'm afraid an online merchant account will not make your life any easier if you need to calculate special shipping charges after the order is placed. While a merchant account can be set up to process orders special circumstance will require you to input all of the information since you will not be processing in real time.

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Postby geraelindsey » Thu Dec 21, 2006 11:48 am

I would recommend looking into as they allow you to authorize payments (customer enters their own details - unless ordering by phone for example) and then you can edit the final amount to bill (if needed to add on extra shipping) before processing the payment.

You might also consider using a different shopping cart that would allow to you to calculate actual shipping costs from checkout. This way customers could see the actual charge before submitting their order, be charged the correct amount and save you from having to manually manage orders. ZenCart is my favorite cart (it's free) and it works with, PayPal, and many others.

I too love PayPal and use it for almost 95% of sales, but if you are accepting online payments - the virtual terminal is going to be time consuming. It's more of an add-on for merchants also accepting offline payments.
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Postby networkmom » Fri Dec 22, 2006 6:26 am

Jim, I think if I could get the shippng charges added correctly the merchant account would make my life easier in that I would not have to manually input all orders. I did find one that seems to have good prices, but need to look into figuring out my shipping dilemma.

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