No Merchant Account: Listings

Below is the 'demo' version of the relevant page in our e-book.

Selling Physical Goods without a Merchant Account

Companies usually supply a complete system on their server — i.e. payment gateway, credit card processing and transfer of sales receipts to a bank of your choice. Charges depend on the nature and level of business. The systems allow customers to pay by some combination of credit card, and/or 1-900 telephone billing. Merchants selling non-physical goods (subscriptions and downloadable software) should click here.

Many Payment Service Providers have now become more cautious/selective, and you will sometimes need to supply your specific requirements to the Providers to obtain a proper quote. Where the fee structure has been removed from the site we have added * and retained the old figures in the hope they will provide a rough guide to the new fees.

Sites Selling Physical Goods: Agency Supplies Shopping Cart Facilities

Various options are usually available. Check details and latest rates before finalizing business plans.

1. site. Setup $49. Transaction fees: 5.5% + $0.45.

2. site. Setup $0. Monthly charges $9.95-11.95. Transaction fees 9-11%.

3. site. No setup fee, transaction charges $0.30 + 2.29%, but check monthly fees.

4. site. Setup $49.95. Transaction fees $1.0 + 7.5%.

6. site. Online store creation program. Setup: $0. Transaction fees 6%.

7. site. * Were: Setup $0. Transaction fees 9%.

8. site. Setup $0. Transaction fees 10%.

9. site. Setup $0. Transaction fees $5.0 + 1.2% to 10%.

10. site. Various options. Basic shopping cart. Setup $0 Transaction fees from 0.7% + $0.30 to 2.9% + $0.30.

11. Site Setup $399. Monthly fee $50. Transaction fees up to $0.40 + 3.25 - 5.25%.

Sites Selling Physical Goods: Agency Does Not Supply Shopping Cart Facilities

Fees of Payment Service Providers with a separate fee structure for non-shopping cart use, and of those not offering a shopping cart.

1. site. Setup $49. Transaction fees: 5.5% + $0.45.

2. site. Transaction fee 1.99%. Inquire for other fees and charges.

3. site. Setup $0. Monthly charges $9.95-11.95. Transaction fees 9-11%.

4. site. Setup $49.95. Transaction fees $1.0 + 7.5%.

5. site. Customers open a credit account, which is used to pay for purchases. Also provide a telephone billing service. No setup or monthly charges. Inquire for transaction charges.

6. site. Setup: $0. Transaction fees 9%.

7. site. * Were: Setup $0. Transaction fees up to 15%.

8. site. Customers buy a card locally and use to shop on your site.

9. site. Setup $0. Transaction fees 10%.

10. Site RemotePay, designed for the corporate site; supports WAP, ITV, XML, etc.

11. site. Setup $0. Transaction fees $5.0 + 1.2% to 10%.

12. Site Setup £75-£500. Transaction fees 5-8%.

13. Site Setup $0. Transaction fees $2.5 + 4.0%.

14. Site Supplies ecommerce solutions in Europe. No details on site.

15. Site Setup $200. Transaction fees 15.0% but not less than $10/month. Chargeback fee $4.

16. Site For electronic goods and works with PayPal. Sales less than $100/month are free; otherwise from $15/month.

17. Site Various options. Setup $0 Transaction fees from 0.7% + $0.30 to 2.9% + $0.30.

18. Site Annual fee $35. Transaction charges $0.35 plus 3.5%. Other charges on site.

19. Site Charge an annual fee plus transaction fees subject to a monthly minimum. Details on application.

20. Site Setup $399. Transaction fees up to $0.40 + 3.25 - 5.25%.

Alternative Payment Methods

Not everyone uses credit cards, and you will increase sales by offering alternative means of payment. You should find something suitable in the list below. Contact the vendors to that services can be integrated with your shopfront program. As above, * indicates previous fee structure.

1. site.* MoneyZap service from Western Union: US checks only. Were: Setup $0. Transaction fees $1.00. Transfer limit is $100/24 hours.

3. site. Designed for auction purchases. Offers a Western Union money transfer with protection. Setup $0. No transaction fees for merchant. Transaction fees for customer are $2.95 to $5 + 2.25% for sums over $100.

4. site. No setup fees. Money sent anywhere for a flat fee of $10.

5. site. Software to take customer information and print as a check. Software $99. paper approx. 25 cents/sheet.

6. site. Takes checks online, by fax or phone. Software $39.95. Check paper approx. 5 cents/sheet.

7. site. Electronic issuing by phone, fax or online. Software package $169 - $189. Also a verification and recovery service.

8. site. Check printing service. Software $69.95 to $149.95. Check paper is $20 for 125 sheets.

9. site. International wallet system integrated with a growing number of shopping carts. Fees on application.

10. Site Range of electronic bill presentment and payment systems for digital documents.

11. Site * Were: Application fee is $175. Monthly fee $25. Transaction charges 1.25% plus $0.30 - $1.50. Verified consumer payments are 1.25% plus $0.60 - $1.50. Also provides ACH processing.

12. Site Customers open a credit account, which is used to pay for purchases. Also provide a telephone billing service.

13. Site Electronically-enabled checks. Inquire for details.

14. Site Telephone billing. Setup is $99; installation fee is $29.95/month. Monthly charge (when active) is $19.95. Transaction fee is $0.30 plus 2.04 - 2.54%. Other services available.

15. Site Telephone billing service: details on application.

16. Site Telephone billing. No setup or monthly fees. Transaction charges range from 20% (retail charge $8-35) to 35% (retail charge $2.0 - 3.49).

17. Site Internet cash cards sold widely in USA in $10, £20, $50 and $100 denominations.

18. Site Prepay invoice service. Inquire about monthly charges (free for first 90 days). Transaction fees 1.98% (30 days) to 5.00% (75 days). Customer late or non-payment fees on site.

19. Site Three services to enable companies to take micro-payments for digital content — for starting, growing and large businesses. Fees on application.

20. Site A wallet scheme for in the USA. No fees to customers, but merchants pay a periodic $1,500 compliancy fee plus a yearly provisioning fee of $10,000.

21. Site An electronic wallet system for Internet, WebTV and mobile phone users. More information on site.

22. Site For UK transactions. No setup or maintenance fees. Costs £0.99 to credit the wallet. Withdrawals cost the higher of £0.99 or 1% of transaction value.

23. Site Resembles Actrade: Obian credits can be issued in US Dollars, UK Sterling or in Euros.

24. Site Setup $0 Transaction fees from 0.7% + $0.30 to 2.9% + $0.30.

25. Site Bill management services from $19.95/month plus $0.75/transaction.

26. Site Wallet system. Account can be topped up by phone at 7.9 cents/minute by phone. Currently restricted to US.

27. site. Setup $0 Transaction fees $0.35 + 3.5%.

28. Site Requires printer and stock paper. Various options. Pay as you go: $0.25/. Small business: monthly fee $10; transaction charges $0.20/ after first 50 free. Business Premium: monthly fee $50; transaction charges $0.15 after first 400 fee. No fraud screening but Qchex do provide a tracking number.

29. Site Requires Microsoft Word (version 6 or later) and blank stock. Software $39.95.

30. Site Offer a 1-900 telephone billing service. No setup or monthly fees. Transaction charges 20% - 30%.

31. Site Range of products for home and business, including checks sent by phone, Internet and email. Home and Business version $60. Verification service available shortly. Check paper refills around 8 cents/sheet.

32. Site Useful funds transfer service that operates in countries not covered by PayPal, etc.

33. site. Verification and batch processing of ACH checks. Inquire for rates.

34. Site Within USA. Free of setup and transaction charges for Yahoo members.

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