Accepting Credit Cards Online -- How ??

[quantass]

I would like to accept credit cards on my website but am having some trouble finding a service. I'm looking for a service which has no activation fees, can ship balances to US/Canada, payments can be from US/Canada/Overseas, and requires no extra signing up from the website's visitor (the user pays and gets the service -- no fuss).

PayPal and iBill come the closest, however PayPal requires the visitor to create a PayPal account before obtaining the service/item while iBill has a minimum payment of $3 whereas I am looking to charge $1 for the service/item.

Any info would be useful.

[Jay7779]

I've heard nothing but good things about charge.com.

[elroy]

You might check out Propay.com
It is good for small businesses that can't pay all the fees most processors want. But I don't know if it will work in shopping cart environment or not.

[AllGamer]

yes both of them are very popular

and, well the whole point of using any of them is to do e-commerce with a "cart" system

the Proper way to use combine them

is NOT to process the Charge until the person finish all the shopping and combine the total of the "cart"

:t

[SJG437]

Quantass - what country currency is your native? Have you considered finding a processor who accepts money only in one currency? (you can post the various equivalent prices on your website)?
What goods or services are you offering? Do you currently have a merchant account? There are a great number of payment gateway services and payment processors (middle men) - that can do what you like. More information will help me widdle down the list a bit.
BTW, I have been E-Commerce Director for a "nameless" Major company for over 4 years now. We currently have sales, via the internet, in excess of $1M US per year. (In case you need a qualifier).
Cheers,
SJG

[quantass]

The service being offered is access to my website's game section. I do not have a merchant account. In fact Im still working on learning all these new terms. :) The website is located on a server in the US but I live in Canada (sometimes the US).

The ideal service would not charge me a thing (activation fees, annual fee, etc) and would simply take a small % of every transaction that comes in -- they get paid when i get paid. PayPal and iBill "seem" to follow that rule the best. I just want to accept credit cards online (phone and mail payments are unimportant to me) + billing address verification of the credit card can be handled internationally (I've seen services where they forgot about this and only allowed U.S. residents to enter in their info).

Charge.com and ProPay.com seem to have annual fees or activation fees for such a service. Unless Im reading it all wrong?!