[Foundation-l] Alternative to paypal

[GerardM]

Hoi,
For your information, it is possible to have a Paypal account that is NOT
linked to a credit card. This makes for less costs.
Thanks,
    GerardM

On 8/12/07, Ilario Valdelli <valdelli at gmail.com> wrote:
>
>
> > When you accept credit cards, a percentage goes to VISA, Mastercard,
> etc.,
> > another percentage to your merchant account provider. How's that
> different
> > from Paypal/eBay taking a cut?
> >
> >
> It's more complicated.
>
> In any transaction in e-commerce we have three levels:
>
> 1.the PSP (who manage the e-commerce platform)
> 2.the acquirer (generally connected directly to one bank)
> 3.the credit card
>
> American Express and some other credit card are also acquirer and for
> this reason they seems to be more expensive.
>
> In these levels we have some charges fee:
>
> 1.the PSP generally applies a fee for a transaction (if you make a
> transaction of 1,00,000 euros of a transaction of 1 euro the fee is the
> same) this fee is normally 0.3-0.4 cts (some PSPs are very expensive and
> apply also a percentage fee normally 0,5% on amount)
> 2.the acquirer applies a a percentage that depends on credit card,
> normally 2%
>
> This numbers can change because the PSP can have a direct access to the
> transaction databases or the acquirer make available you money quickly.
>
> Paypal or moneybookers seems to be PSPs. Onestly I don't know the fee
> that they apply, in any case if the total of fee is more than 2,5% is a
> very bad solution.
>
> > Either way, the question that should drive our decision regarding
> available
> > payment methods is fairly simple: what methods do a significant number
> of
> > donors (or a few donors with donations of a significant amount) prefer?
> If
> > it's Paypal, that's what we ought to have. If it's checks, money orders,
> > wires, debit transfers, credit cards, debit cards, Moneybookers, gift
> cards,
> > etc. then we ought to offer those too.
> >
> >
> The credit card has a limit, in any case for X.000 euros the best way is
> the credit card.
>
> Ilario
>
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