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All Internet based businesses
that require taking payment(s) from customers need the capacity to accept
credit or debit cards. As most UK bank' merchant accounts can be expensive,
for the smaller business the most cost effective route may be to use a
3rd party e-commerce service provider.
* online card processing only, bank e-merchant account
is still required.
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| Merchant |
Setup |
Year |
Mth |
Credit / Debit Card |
Service
Details |
| WorldPay |
£58 |
£170 |
£0 |
4.5% / £0.50 |
charge in 3 currencies, inc.
UK£ and they pay in UK£ |
|
* WorldPay |
£58 |
£170 |
£0 |
1.95%**
/ £0.25** |
charge
in 3+ currencies, inc. UK£ and they pay in UK£ |
| CCNow |
|
|
£8 |
0 to 11% / ? |
you must charge in US$ &
CCNow pay you in US$, total sales under $100/month = 0% |
|
ClickBank |
£32 |
|
£0 |
£0.66
+ 7.5% |
you
must charge in US$ & Clickbank pay you in US$ |
| 2Checkout |
£32 |
|
£0 |
£0.29 + 5.5% |
you can charge in most currencies
including UK£ and Euros€ - free shopping cart system, 3rd
party carts supported, recurring billing, partial refunds etc. |
| Datacash |
?? |
?? |
?? |
?? |
trade
in more than 124 currencies and settle in 13 |
| SecureTrading |
?? |
?? |
?? |
?? |
merchant account may be required
?? |
|
Freechariot |
£88 |
£99 |
|
4.00%
to 4.25% |
light
user option, charge in UK£ with payments by BACS into your account
|
| * Freechariot |
£352 |
£352 |
|
0.75% to 1.75% |
credit card gateway only, bank
merchant account required (?) |
| InternetSecure
|
£175 |
|
£27 |
$2.50
+ 4.85% |
you
must charge in US$ - low volume sales option |
| InternetSecure |
£340 |
|
£23 |
$1.50 + 3.85% |
you must charge in US$ - medium
volume sales option |
| InternetSecure |
£390 |
|
£30 |
$1.00
+ 3.85% |
you
must charge in US$ - high volume sales option |
| * NetBanx |
£88 |
|
|
8% to 5% |
single product only and at
a fixed price |
| *
NetBanx |
£147 |
|
|
8%
to 5% |
up
to 10 products, each at a fixed price |
| * NetBanx |
£352 |
|
|
8% to 5% |
for use with a multiple product
shopping cart. |
| *
SecPay |
£50 |
|
£10 |
1.9%
or 39p/trans |
for
low sales volume |
| * SecPay |
£50 |
|
£20 |
1.0% or 20p/trans |
for high sales volume |
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** plus additional charge by your processing
bank, typically between 1.5% and 5%.
Popular shopping cart systems that support merchant accounts,
such as Worldpay, include: Shop
@ssistant, Actinic,
Click & Build
and Miva Merchant.
For the advanced user there are also free shopping cart scripts
available written in Perl,
PHP
and ASP.
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