[Zokeseh]

Does anyone know of a cost effective way to accept credit cards on your website directly and not including Paypal? Maybe someone owns a business that does this or does anyone know of how I could go about doing this?

[Steve]

This is the best list:

I use 2Checkout and Regsoft and PayPal. Be very careful of chargebacks they are way to common.

www.thestandard.net
This site is an online magazine devoted to the Internet economy. E-commerce is among the subject
headings and it provides a list of links to various electronic payment systems.

ganges.cs.tcd.ie/mepeirce/Project/oninternet.html
A list of links to various electronic payment systems is provided at this site.

www.internetindicators.com
This site provides Internet economic data. It is intended for people interested in learning about the
Internet economy.

www.ofx.net/ofx/ab_main.asp
The Open Financial Exchange (OFX)Web site.



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Credit–Card Payment

www.cybercash.com
CyberCash enables e-merchants to accept credit-card payments online. The company also offer an ewallet
technology and an online bill-paying service.

www.icat.com
iCat enables merchants to accept credit cards online. It will host yourWeb site and aid in site design.

www.trintech.com
Trintech offers a secure credit-card payment system that enables simultaneous purchases from multiple
stores. This is used in virtual shopping malls.

shopping.altavista.com/home.sdc
This is the site of AltaVista’s shopping mall. It uses the Payware eIssuer technology.

www.intellicharge.com
Intellicharge specializes in merchant-account management. It settles merchant accounts on the day of
the request.

www.onlineorders.net
Onlineorders provides links and factual information regarding online payments and the methods of
implementing payment systems.


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E-Wallets

www.visa.com/pd/ewallet/main.html
Visa offers various e-wallets for use with Visa credit cards. These wallets are backed by a specific fi-
nancial institution that issues the Visa card.

www.entrypoint.com
Entrypoint’s product is a personalized desktop toolbar that offers easy access to news, sports, finance,
travel and shopping. It includes an e-wallet feature for use at affiliate Internet stores.

www.MBNAwallet.com
MBNA wallet allows you to make all of your online purchases quickly and easily.

www.brodia.com
Brodia promises e-wallet services that enable users to store their credit-card numbers and other purchasing
information for shopping online.


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Checking Account Payment

www.debit-it.com
This site allows merchants to draw against the balance in their checking account as a valid form of
payment over the Internet.

www.netchex.com
Netchex allows customers to set up an online debit-card system, where all purchases are deducted
from a single Netchex account. This enables people to shop without using a credit card.


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Digital Cash

www.ecash.net
eCash offers digital cash services for both online purchases and peer-to-peer payment.

www.flooz.com
Flooz is a form of digital cash that is used as a gift currency. Customers buy Flooz currency with their
credit cards and then establish gift accounts. The recipient can then spend the Flooz account at participating
stores.

www.beenz.com
beenz is an international, points-based currency system. It allows vendors to offer a promotional system
on theirWeb site.

www.giftcertificates.com
This site allows Internet users to purchase gift certificates online.

www.internetcash.com
Internetcash is a digital currency that is aimed at teenagers. The currency is purchased through prepaid
cards at convenience stores. Affiliated merchants are targeted to a young demographic.

abracad.users.netlink.co.uk/emoney.html
This is a link to a general resource page on digital-cash technology.

www.rocketcash.com
This service is designed for individuals under the age of 18. It provides them with an online spending
account.

www.doughnet.com
Similar to RocketCash, this site provides an online spending account, particularly for users under the
age of 18.


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Peer-To-Peer Payment

www.paypal.com
PayPal offers a peer-to-peer payment systemthat enables anyone to receive payment fromanyone else
via e-mail. Payments can be made by credit card or checking account.

www.billpoint.com
This site offers a peer-to-peer credit-card payment systemdesigned by eBay andWells Fargo and used
on the eBay auction site.

www.tradesafe.com
Tradesafe is a credit-card peer-to-peer payment system that is aimed at business-to-business transactions.
They provide B2B services and special security for large transactions.

www.moneyzap.com
The digital cash system offered throughWestern Union.


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Smart Cards

www.scia.com
The Smart Card Industry Association Web site provides information on smart-card technology and
services.

www.visa.com/nt/chip/info.html
This page contains information on the forthcoming smart card being offered byVisa, which will contain
a digital-cash application and e-wallet services.

www.smart-card.com
A monthly e-magazine that contains comprehensive information on smart-card technology, as well as
links to other sites.

www.nextcard.com
Nextcard has developed a credit card specifically designed for theWeb. Online payments can be made
with a built-in digital wallet.

www.americanexpress.com
American Express offers the Blue smart card (personal and corporate) and related services through
itsWeb site.


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Micropayments

www.hut.fi/~jkytojok/micropayments
This is a paper on electronic-payment systems with a focus on micropayments.

www.echarge.com
eCharge partners with AT&T to provide micropayment services billed to the user’s phone bill.

www.ipin.com
iPin allows charges from micropayment purchases to appear on the customer’s ISP bill.

www.trivnet.com
Trivnet’s technology bills micropayment purchases to the customer’s ISP bill.

www.qpass.com
Qpass is an e-commerce enabler. It allows companies to sell products and conduct secure transactions
over theWeb. It can provide the infrastructure needed to run your e-business.

www.millicent.digital.com
Millicent allows customers and e-businesses to conduct transactions using micropayments.


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Business-2-Business (B2B)

www.ecredit.com
eCredit helps entrepreneurs and established businesses find credit to support their online operations.
eCredit will also help you manage your money.

www.clareon.com
Clareon provides end-to-end e-commerce solutions connecting buyers and sellers with a secure payment
system.

www.etimecapital.com
eTimeCapital provides a solution for accounts receivable and cash-flow management on theWeb.

www.tradecard.com
Tradecard handles international trade and e-commerce over the Web. Tradecard provides secure online
payments.

www.swift.com
Swift’s site offers secure, online, international credit-card transactions.


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Electronic Bill Presentaion and Payment (EBPP)

www.checkfree.com
Checkfree allows you to receive and pay your bills online.

www.paytrust.com
Paytrust is a an online bill-payment system. Paytrust allows you to access and pay your bills with the
Palm VII organizer.

www.derivion.com
Derivion provides bill-payment capabilities.

www.encirq.com
Encirq allows bill payment sites to add targeted advertising to online customer statements.

www.usps.gov
The U.S. Postal service offers bill-paying services.

bills.yahoo.com
Yahoo! offers bill payment and presentment services through itsWeb site. The service includes message
delivery and payment updates. The first three months are free.

www.c2it.com
This free, online service offered through Citibank enables peer-to-peer payments.

http://www.sitepoint.com/forums/showthread.php?t=84491

[Zokeseh]

Thanks so much Steve, your a life saver!!!!

[Zokeseh]

After hours of searching, I found http://www.goecart.com/, which is a great site because they have an unbeatable price of $10/month and use SSL, and accept all major credit cards. It is very good check it out, if interested.

[cheng]

goecart looks cool. but where did you see the $10/month? is that the monthly fee for the shopping cart or what?

[Zokeseh]

Go under services and than click accepting credit cards.

[Steve]

Doesn't seem to take Credit Cards to me? Still would need a Merchant Account or not?

[Zokeseh]

Found a even better one, sorry that last one I gived you wasn't what I expected. Check this out, they seem for real only a $45 setup fee and they take 5% of purchases.
http://www.2checkout.com/home.html.

[cheng]

2CO is by far the better one other than paypal. (paypal fees are cheaper) but any bad experience with 2CO yet?

[Zokeseh]

You might just have to search the web to find that out, I don't know.