Hi Guys,

Here's a payment gateway comparison that you might be interested in ...

TaraIT.com - Web Development Blog

Cheers,

Couple of things ....

Whoever wrote that article doesn't understand what a gateway is

Paypal is a payment processor not a gateway

The monthly charges quoted for Realex are not realistic - they vary depending on volumes

Realex batches payments EVERY day - the article says weekly which is wrong

With Realex you get your money almost immediately

With Worldpay you don't

Realex has an "internet terminal". I also find it amusing that anyone would even consider sending CC details via email.

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Interesting, we currently use Paypal but were always thinking about using Realex. It seems pricier than I thought looking at your comparison. If merchant accounts charge 3% per transaction that's almost the same as PayPal, and then there are the additional Gateway monthly charges too. Sounds like it would run more expensive than just using PayPal, am I reading this right? Btw the Paypal site says 3.4% not 3.9% unless I'm missing something.

Edit: Is the PayPal virtual terminal available for Irish accounts, I didn't know it existed but I can only find US only.

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MGS Web Design - Web Design Kildare, Web Design Ireland

You don't pay 3% if you're doing any volumes with most merchant accounts.

The article is largely inaccurate

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Realex does have an Internet terminal.

Also, if you go in with a decent plan for your Internet merchant account, the bank usually starts at 2.5% to get you going. Second year, depending on volume, you can negotiate your rates.

Hold on... more holes... you don't need a merchant account with your local bank if you go for WorldPay. WorldPay act as your merchant account and payment processor all in one.

Have a read of this and then maybe redo yours:

blog Guide to Selling Online | davidbehan | web design - web development - web marketing | ireland

It was written about a year and a half ago but still very accurate.

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David Behan
Web Design Ireland | Mortgages | Memorial Websites | Digital Printing

Anyone looked at go&pay yet? Might be a nice twist for online payments....charging 1.8%

go&pay go and pay – Pay offline with cash or debit card for goods ordered online using go&pay

Currently have it in testing......will be back to let ye all know how I got on shortly.....