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Living in a country where obtaining a credit card is as easy as buying out a nearby news daily in the nearby grocery store you might easily be able to capture a market of plastic money holders. The power of plastic money extends beyond boundaries of nations and it is indeed the most closest step to globalization. For this I'm reminded of a quote "Think Global, Act Local" policy.
Most of us know that the any online business that sells almost any products is an international one and has no boundaries unless it is a one that has high volume tangible products.
The internet makes millionaires of people more then other things previously century which is still a little true these days too. Diligent work, honesty and consistency is the key to the business and then any virtual clients are the same.
What one really needs to cross the boundaries for a virtual business is a payment gateway or merchant services whichever one might refer to. Even though there is really a difference however it is not important to what we're discussing about.
There are many payment gateways and one might find it really tiring to look through Google to get the best one out of hand. One should remember that here i am referring to a payment gateway as a company is a 3rd party whose services you could integrate to your website so that your customers are able to pay you for the services and products virtually and digitally. The payment can be through credit cards, coupons or other means accepted by your 3rd party payment gateway. Here' want to list a number of the payment gateways I am most familiar with, in addition to the many services available.
1. PayPal - PayPal is really a number one selection of mine for various reasons, its simplicity and its simplicity of use must be the most preferred ones, and also you do not need to register like a business owner to avail this particular service. However, you have to keep in mind that PayPal does have its drawbacks too. The fees of processing the payments could go up to 5.5% per transaction plus they do have a transaction limit places on each registration which can be increased by credit card verification, address verification after which bank account verification. PayPal also provides with API services for individuals who wish to go deeper into developer services also it does integrate well with most shopping carts such as the free ones such as Agora. Aside from this it will have its own shopping cart software system if anyone would want to utilize it.
Apart from that it will have withdrawal choices to the financial institution account as well as the credit card.
There are a few countries though where PayPal is not yet available and it is mentioned on there website, although payments can be accepted from the majority of the countries. Recently there has also been some restriction from the RBI in India on PayPal though it is not very clear yet.
2. 2Checkout - 2CO is the most preferred payment gateways through the giants with all its packed features it will possess a few drawbacks. One needs to be considered a registered business and has to pay a 49$ setup few per account. You will find strict rules of what could be sold and what not. Do checkout the website for details.
Withdrawing a sum from 2co is a bit tedious and has to become carried out by a check or bank deposit though its done each week it must satisfy the release level and pass verifications.
The consumer is presented needs to enter his or her detail choose the options available following the transaction is over. 2co may also be integrated with all types of shopping carts and software. I have personally used this to buy stuff on the internet many times and it works like a charm. Their support product is also very good.
3. Moneybookers - This is a European payment gateway service which may be used by those who are getting Euros. You can create product listing using their own shipping cart system and use its buttons in your site. The transactions fees are extremely high again and there's a cap around the transactions that you can do each month. The limit could be raised through their verification process.
Your customers have to be registered to pay for though moneybookers and it does accept bank transfers in addition to credit card payments.
4. AlertPay - This is a Canadian company and has simply the same system as PayPal though much less popular. I've been knowledgeable about their services and also the shopping cart software integration part continues to be simple and the transaction fees do not differ much with that of PayPal. Few people opt for AlertPay as an alternative to PayPal as well.
An individual account with AlertPay has limitations which can be raised for an extent through some verification process while the Pro account is packed with features like: Mass Pay, Integration tools and website payment methods. To ensure the pro account one might need to submit a few documents too.
AlertPay doesn't have any country restrictions and have their very own shopping cart software system as well as API integration and so on. It would be personally my favorite choice as an alternative to PayPal by any means.
Apart from all this one should really locate a vendor that's secure as well as your customers feel confident and secure in giving out their financial details to.