Looking For a Payment Processor For My Website!

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coxi999

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I have a research chemical website that has been running around 1 year now when i first started the site i used PayPal as my payment processor but they didn't like the site and closed my PayPal holding my cash for 6 months, since that i have been using AlertPay who are fine with the site BUT they have really high fees for websites in my industry 17.5% + $0.99 on all transactions, there is also a problem that people cant use mastercard, solo, maestro etc just visa and just to top it off there is a maximum of $500 per transaction.

I have applied at my bank Lloyd's TSB for a hand held card reader so i can process the transactions myself, i didn't show them my website and told them i was just getting orders over the phone from advertising in magazines, trade sites etc, they refused my application so did Royal Bank of Scotland when i applied there. I tried Nochex earlier in the week and go a phone call today saying the application was refused.


Could someone please give me some info on another payment processor that will allow payments from a research chemical website? There must be something out there, what do online pharmacies use? I have made fake orders on some pharmacy sites but never got any info from the page source at checkout.

Please HELP :)
 
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I have just applied for a company called
Code: 
web-merchant.co.uk
has anyone ever used these before?
 
You could try CCBill. Fees are rather high (not as high as the alertpay fees quoted above though) but they should accept high-risk sites without any issues.

The only negative thing is that you'll likely be put on a 20% rolling reserve .. but this is something that's going to happen one way or another regardless of which CC processor you use as chargeback risk is simply too high in your industry.
 
well authorize.net is a gateway not a processor itself unless u speaking about echecks, but imaxban card is a processor, it all depends on what u selling, and your charge back ratio
 
I use authorize.net as my merchant processor and they handle everything. Maybe they use first data to actually process transactions??? Either way I know that people can check out at my site and the money gets in my bank...that's what you are looking for right?
 
DamnTees said:
I use authorize.net as my merchant processor and they handle everything. Maybe they use first data to actually process transactions??? Either way I know that people can check out at my site and the money gets in my bank...that's what you are looking for right?
Click to expand...

yea that's how it is, first data is the processor and anet is the gateway they use to process the transaction however when it comes to echecks anet processes those themselves
 
DamnTees said:
I use authorize.net as my merchant processor and they handle everything. Maybe they use first data to actually process transactions??? Either way I know that people can check out at my site and the money gets in my bank...that's what you are looking for right?
Click to expand...

Yeah these guys wont accept me casue im in the uk..
 
I'd stay away from First Data. They kept 1300.00 of my money because they decided I was "high risk". I only had one refund out of 71 transactions. so I think they were crazy.
 
coxi999 said:
Think these guys are prety strict like paypal but thanks...
Click to expand...

I have been using them for sometime. They are not the prettiest in the business, give some real headaches :( But it's a good alternative nevertheless...
 
yeah we use authorize.net processing huge amounts on many of our sites they're great alot better than stupid paypal putting up limits and holding the money ofr 60 days or whatever junk
 
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