Ecommerce Software Solution: Electronic Goods: No Merchant Account

Ecommerce software solution: an illustration of the resources available in our e-book.

Selling Electronic Goods: No Merchant Account

Ecommerce software solutions, otherwise known as payment service providers, help the smaller merchant. Below are the rates applying to US merchants selling electronic goods (i.e. software, commercial pages, subscriptions) by realtime credit card processing. Rates for non-US merchants may be a little different: check on the payment provider sites.

Other services (telephone billing or online checks) are commonly available. Rates can change without notice, and may also depend on the size, location and nature of your business. You'll do well to shop around before before finalizing any deal, therefore, and to scrutinize the agreement for hidden extras like monthly statements, wire transfers and chargebacks. Most providers will also hold back a percentage of receipts to cover chargebacks, some for long periods.

The table below is not definitive, and you'll understand the services better by visiting the sites and emailing with specific queries. Remember to check what the credit cards are actually handled. There are sometimes restrictions by country, and individual cards vary in popularity from country to country. Some countries hardly use them at all.

 

	PSP	arrange fee	setup fee	monthly fees	transaction fees (from)		transaction fees (to)		minimum monthly turnover	charge range	charge- back	extra fees	notes
	website	US $	US $	US $	US cents	%	US cents	%	US $/month	$ - $	US $	see key	see key
1	site	0	0	0	-	14.5	-	13.5	none	2.95-99.99	inquire	H	A H
2	site	0	30-199	0	-	13.9	-	13.9	none	a	inquire	-	A C
3	site	0	99	0	30	2.49	30	1.99	none	-	inquire	-	H1 T U W X
4	site	0	99	25	35	2.35	-	-	<10,000	0-300	inquire	-	S1
5	site	0	0	0	-	15.95	-	inquire	-	1.95-60	inquire	H1	D T X
6	site	0	0	0	-	15.0	-	11.5	none	2.95-100	$15	-	N T X
7	site	0	inquire	-	-	10.0	inquire	inquire	-	inquire	inquire	-	-
8	site	0	0	0	-	10.0	500	5.0	none	c	$5	-	C H
9	site	0	0	-	-	15.0	-	10.0	-	inquire	inquire	-	H
10	site	0	0	0	-	40.0	-	10.0	-	2.95-80	25-250	-	A D
11	site	25-50	15-700	0	90	12.0	90	6.0	various	-	inquire	-	-
12	site	-	75-500	d	-	8.0	-	5.0	d	-	inquire	-	T
13	site	0	0	0	250	4.0	250	4.0	-	-	inquire	-	A C
14	site	0	340	b	-	15.0	-	15.0	b	-	inquire	-	-
15	site	0	199	0	75	10.0	75	10.0	none	-	$20	-	N1
16	site	0	0	0	-	13.5	-	inquire	none	-	inquire	-	D
17	site	0	49	0	100	3.95	100	3.95	-	-	inquire	-	C
18	site	0	0	0	300	-	-	10.0	-	e	none	-	A C X
19	site	0	35	0	35	3.5	35	3.5	-	-	$15	RF	X
20	site	0	0	0	-	20.0	-	20.0	-	-	-	-	C SW
21	site	0	0	0	295	4.0	195	-	-	-	-	-	SW
22	site	0	0	0	-	15.0	-	13.5	-	-	inquire	-	T X P
23	site	0	0	0	300	3.0	300	3.0	-	-	inquire	-	C SW
24	site	0	399	50 f	40	5.25	40	3.25	-	-	inquire	R	-
	Key
	minumum monthly charge/charge range	a=$3 min transaction fee, b= not less than $99/month, c=$2.50 min transaction fee, d=£10 minimum monthly charge, e=300 cents transaction charge applies to products under $30, otherwise 10%, f=for 3 currencies; $75 per additional currency,
	Extras	H=holdback, H1=holdback of 5-10%,
	Notes	A=affiliates scheme, C=will provide registration codes to s/w customers, D=specializes in but not limited to adult sites, H=hosting service available, H1=available only as a hosting service at $19.95/month, I=customer installs s/w, N=no gambling or transactions subject to cancellation, N1=no adult sites, P=per minute billing, R=$5 remittance fee for any currency, RF=$10 return fee on electronic check, S1=$10 monthly statement fee, SW=software sales only, T= telephone billing, U=US businesses only, W=wide range of extra services, X=online checks.

 

Please note that this table is now out of date, and that links don't work. Our ADVANCED GUIDE TO ECOMMERCE, now in its seventeenth edition, has the Internet's largest listing and comparison of Payment Service Providers for the smaller ecommerce merchant.

An overview . . .

• The Internet's most detailed guide to ecommerce: 230,000 words / 850 pages in pdf format.
• 160 reference sheets summarizing a particular aspect, with advice and resources as appropriate.
• Over 3,100 resource listings grouped under 260 headings: each hand-picked on its merits.
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• Use of business blogs, advised and ill-advised.
• Practical security aspects: keeping yourself safe.
• Testing sites and ideas at negligible cost.
• Some 100 case studies, both successful and dotcom failures.
• Notes on ecommerce strategies and use of the resource listings.
• Tutorials on AdSense, ePublishing, eBay, RSS feeds, commercial blogging, ecommerce for free, widgets, collective intelligence, seo revisited and using ppc effectively.
• Ten up-to-date surveys of ecommerce prospects worldwide.
• Insider information based on Internet research and our own studies.
• Strategies to test customer behaviour and improve sales.
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The e-book comes as three documents: interlinked webpage compilation for ready reference (2Mb) a sequential webpage compilation (2 Mb) and as a PDF document (4.6MB, 850 pages) for extended reading. The content is the same in all documents, but while the PDF document can be read on all platforms, the webpage compilations can only be read on Windows platforms ( Windows 98x, Me, 2000, XP and Vista machines). Your one-time payment gives you all three documents, plus free updates.

Our January 2011 free update will include a tutorial on collaborative websites and an updated list of internet payment service providers.

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