need advice on accepting online payments

hi
i wanna start up an online buisness selling gaming cards and such but i'm not sure about who to use for accepting payments. the only idea right now is through paypal.

are there anyother options better than them? doesn't google have some sort of payment thing going?

thanks for any and all advice. if this is not the right category please let me know.

google checkout is available at:
I would prefer google to paypal because I think people can lock your paypal account with chargebacks and contesting payments. I don't people can do this with google checkout...

If you get enough charge backs any merchant provider will 'lock' your account.. With current visa regs it's about 2% charge back rate and they'll drop your account and hold your funds for up to 6 months.

I would assume it's a similar amount with google checkout.. Paypal just sucks because they allow anyone to create an account then will hold your money hostage and require extra 'security' checks before releasing your funds... Depending on your planned volume you could go with google checkout or your own merchant account from a provider like card services / first data. Either way you go you're still opening yourself up for fraud and risk...

The only thing I would suggest to minimize the chance of chargebacks is [if you go with your own merchant account]:

REQUIRE AVS to pass [AVS = address verification , I have my account to check street number and zip code for match]
REQUIRE the CVV2 number
Provide quick email support
Setup a voice mail number that will show up on people's statements..
Also refund people that ask for refunds..

While those are not a 100% way to avoid charge backs and fraudulent charges it certainly helps.. Anything to avoid the stupid 15$ charge back fee.

thanks for the advice all.

i wasn't sure where the link was to google checkout.

i really don't wanna set up my own merchant account i did that way back and it ended badly but i'll remeber your tips.

Absolutely stay the heck away from pp. They'll freeze ur cash for an average of 6 to 8 months.....and then...ask questions later.

yeh paypal are money grabbing gits. all they care about is money. nothing else... you send them email. theyll send u automated response.

i actually hate pp with a passion. same as ebay

Depends on what your doing with PP. Check their prohibited products/services very carefully. If you are an upfront company with nothing shady, and provide good support, PP is a good option.

java said:

Depends on what your doing with PP. Check their prohibited products/services very carefully.

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:12: Seems you think that the many thousands of people that have been ripped off by Pay*Pal were all doing something shady?

java said:

If you are an upfront company with nothing shady, and provide good support, PP is a good option.

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If you really believe that's all that is required to prevent you from being screwed over by Pay*Pal you'll have a rude awakening coming in your future. :fingersx:

Seems you think that the many thousands of people that have been ripped off by Pay*Pal were all doing something shady?

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And it seems you believe that everyone crying about how PP ripped them off was doing absolutely nothing against their TOS.

If you really believe that's all that is required to prevent you from being screwed over by Pay*Pal you'll have a rude awakening coming in your future.

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Been with them since 2000. How much longer into the future do you estimate that it should be before they screw me over for doing absolutely nothing wrong?

Are there a few idiots working at PP? Sure. What large company doesn't have a few idiots? Most of my losses come from buyers ripping me off, not from Paypal. A chargeback is not PP fault. Any other merchant account will lock down, and limit your account with enough complaints. Know what you can and can't sell via PP or your merchant account provider. Follow the rules. Provide full disclosure when you sell something. Respond to complaints promptly and fairly. That's all you can do and it will keep you out of trouble with PP or any other merchant account.

I just love the pre-f*cked PayPal-ers, they're so cute at that stage and the say the darndest things!

lol Ya I agree Paypal can S&#^^% my D#^! How is plimus?? Looks ok but the fees look high!

I have my monies stuck in paypal limbo for 7 months last year. I know how others feel with PAYSUCK