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Merchant Account vs. Third Party Processors
Accepting credit cards is an essential feature for any online business. And every serious business has their own merchant account.
However, many start-ups and small, mom and pop businesses can simply not justify the minimum cost per month if they aren't making the sales to support it yet. As such, we have included this section on third-party processors to aid you in your decision.
Keep in mind that Third Party Processors sometimes:
- Cost disproportionately more the more sales you make
- Require your customers to leave your site to make a purchase
- Store your Customer's Payment information without providing you access.
| Third Party Processor | Discount |
Transaction |
Setup | Notes |
| ClickBank | 7.5% | $1.00 | $49 | |
| PayPal | 2.2 - 2.9% | $0.30 | Free | customer
must be member |
| ProPay | 3.5% | $0.35 | $35 | Annual
fee of $29.95+, and a fee each time money is deposited in your account |
| Verotel | 13 - 19% | $0.00 | Free | maximum
of $75 per sale |
| CCNow | 9% | $0.00 | Free | $9.95
per month additional |
| 2checkout | 5.5% | $0.45 | $49 | |
| PaySystems | 3.95 - 5.5% | $0.45 - $1.00 | $49 |
We do not endorse any of these third-party processors but are including them as alternative processing options.
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