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Which payment gateway is the best?

Discussion in 'Business & Tax Advice' started by ripperel, Oct 13, 2015.

  1. ripperel

    ripperel Newbie

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    Hi guys!

    I hired a web programmer to set me up with a CMS, wordpress in fact. I want to use this to sell access to digital content. Basically, there will be a homepage (landing page) where people can see my offers and also see information about what I am selling. The same page will have a login pane and users can register for free.

    The trouble is with the payment gateway. I would have preffered to use Paysafecard because it's extremely known and I will sell the access for common prices (like 3 EUR / week). The problem is that Paysafecard works only with businesses. It would cost me around 500 EUR to start up a business and as it's a pilot project, I wouldn't invest too much in it. I am expecting to get around 50-100 people involved in my 1st month. Therefore, taking Paysafecard out of the discussion, which payment gateway do you recommend to me? If you need other details let me know and I'll come back.


    Best regards!
     
  2. mantic0re

    mantic0re Junior Member

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    If an easy setup and no additional costs are your requirements, then Paypal seems to be the way to go.
     
  3. ripperel

    ripperel Newbie

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    Never tried any gateway so to say. Do Paypal "cut deals" with sole proprietors? I mean, as I said, I don't have a business set up for this with HQ, VAT and all that. I guess I'll try them.
     
  4. srb888

    srb888 Elite Member

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    Paypal will help you begin trading in your online business. Look at any local payment gateway (P.G.), and do some research about it. For example, as an Indian individual merchant, I use the payumoney gateway which I think is the only P.G. that helps individuals (i.e., freelancers) and has no setup fees! Other PG.'s are for businesses and are not even looking at individuals.

    Looks like you're from the EU. There SHOULD be at least one such PG for individuals. Google should help you find it.

    P.S.:
    I don't know if 2checkout payment gateway will help individual and unregistered businesses sellers or will help only registered businesses.
     
    Last edited: Oct 16, 2015
  5. ripperel

    ripperel Newbie

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    Trust me, I googled this problem the F out. Yet very few PG's accept working with freelancers. My issue is in the fact that this is a pilot project for me. So basically, I can't be sure I will make for example 200-300-500 EUR per month from this. If I would be sure for a certain amount, which would cover several costs, then I would go register a business. However I find this risk too high and that is why I am searching for a freelancer PG.

    At the moment, I have registered with 2checkout and I will pursue their way to see if they can serve my needs. Anyway, if you have other ideas feel free to write. I would also be interested in your experience: so for example, what is the comission with Paypal? Also what is the comission with other PG's, which you contracted as a freelancer or business?

    Best regards and many thanks for the support!
     
  6. AbeloHost

    AbeloHost Jr. VIP Jr. VIP

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    PayPal and Bitcoin.

    BitPay is the best payment gateway for Bitcoin since the fees are between 0%-1% and it automatically transfers your earnings to your bank account.

    PayPal is just well known. That way you won't lose many customers that were willing to pay but couldn't.
     
  7. ripperel

    ripperel Newbie

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    I must admit, I am a bit skeptic about Bitcoins. Haven't worked with those yet I understand the fluctuation of the market is quite impressive.
     
  8. autonomica

    autonomica Junior Member

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    Go with paypal, use your own-generated selling button. By this way handling payments directly from buyers' credit cards won't be a problem.
     
  9. kunnu

    kunnu Regular Member

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    I prefer to use Bitcoin and PayPal.

    Other method is Skrill, Payza, PerfectMoney and some other gateway providers.
     
  10. davids355

    davids355 Jr. VIP Jr. VIP

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    Paypal is probably the way to go - its very easy to get started and yes they will work with individuals.

    2checkout is supposed to be good as well - I haven't used them but I know a lot of providers here do use them so that must say something. Not sure if they can integrate with WP though....
     
  11. Iamtheman

    Iamtheman Jr. VIP Jr. VIP

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    You may use 2checkout for that.They accept paypal, credit/Visa Card
     
  12. ranahamza

    ranahamza Junior Member

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    I would highly recommend you for using Skrill or 2checkout.

    They are ones i rely on most of the time...
     
  13. ripperel

    ripperel Newbie

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    Guys many thanks for your recommandations. I've decided to go with 2checkout in the end and I will see what will happen. In case I'm not satisfied then I might switch to Paypal. Anyway, there is a chance for the project to catch, in which case I will definetly start up a business and add paysafecard as payment gateway as well. Again, many thanks for your support!
     
  14. taseerali99

    taseerali99 Jr. VIP Jr. VIP

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    PayPal is a trustful one but has high charges. Skrill is better imo
     
  15. ripperel

    ripperel Newbie

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    Does Skrill accept freelancers? Or do I need to have a business registered?
     
  16. audibbbb

    audibbbb Regular Member

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    You need to have a business registered if you want skrill to accept you , they ask for papers of the business
     
  17. Ambitious12

    Ambitious12 Elite Member

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    What I used Paypal is good,i can not say they are best because I too lost many $$$ but little biased on buyers.
     
  18. RuthSam

    RuthSam Jr. VIP Jr. VIP Premium Member

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    Skrill, Neteller, BitPay, PayPal and 2co.com will get you all covered for your pilot project. When you are doing real money and need a payment gateway and your own MA you can start a new post so I will recommend a few MAP's
     
  19. writehow

    writehow Regular Member

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    Bitpay is only for business
     
  20. Brannan

    Brannan Regular Member

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    I would recommend Stripe!

    They are quick setup, ( takes no more than an hour)

    http://stripe.com/

    If you use wordpress and woocommerce i would recommend the following plugin: Stripe for WooCommerce by Stephen Zuniga

    Quick setup, low price and the checkout is perfect, there is no extra information to add after you write down the card information so it actually makes conversion rates higher.