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Thread: methods of payment

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    methods of payment

    What is the best and most secure methods of payment?
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    JSHosts.com [JSH]John's Avatar
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    PayPal, Google Wallet (was Google Checkout) and 2CheckOut are the most popular.
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    PayPal and 2CheckOut are good and secure.
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    cs-squad.net CS Squad's Avatar
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    Paypal and Alertpay
    No code has to be inserted here.
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    NLC wswd's Avatar
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    The best method is getting a merchant account and accepting credit cards.
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    Cash!!

    Or paypal...
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    I think 2CheckOut and Paypal are the most secure.
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    Merchant account, or if you want cheaper to setup PayPal (unfortunately)
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    All recognized payment methods should be secure. You would probably want to choose a method based on the fees and targeted customers. For example, if you are targeting American, I do not see a reason to choose 2Checkout instead of Paypal. 2Checkout charges almost twice the Paypal, but very useful for the countries where Paypal isn't a viable solution.

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    Quote Originally Posted by mellow-h View Post
    All recognized payment methods should be secure. You would probably want to choose a method based on the fees and targeted customers. For example, if you are targeting American, I do not see a reason to choose 2Checkout instead of Paypal. 2Checkout charges almost twice the Paypal, but very useful for the countries where Paypal isn't a viable solution.
    The reason not to choose PayPal is that they offer no/little seller protection for hosts.
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    Quote Originally Posted by wswd View Post
    The reason not to choose PayPal is that they offer no/little seller protection for hosts.
    Who does? Seriously, PM me.

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    NLC wswd's Avatar
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    2CO offers some level of protection. Any good merchant account (where the client is using a credit/debit card) is going to be the best protection. They will absolutely go to bat for you. Unfortunately, most clients want to use PayPal these days, and most hosts aren't legitimate businesses, so they don't have access to real merchant accounts. I have actually thought about getting rid of PayPal entirely, but that would really limit my client base, unfortunately.

    Here's a little example:

    Somebody purchased a VPS from us for around $40 a few months ago. About 2 months later (after they had used the VPS for whatever they needed to do) they disputed the purchase in PayPal (with no reason). I submitted log after log showing that the service was delivered, access logs BY THE PURCHASER FROM THEIR IP, uptime stats, etc. I also noted that not a single support ticket had ever been submitted from the buyer. PayPal sided with the buyer, no questions asked. Didn't even contact me. I have had that happen several times. I was going to send this latest one to collections, but it really isn't worth the time or effort, for $80 or whatever.

    With my merchant account, they will go to bat for me every time if I have evidence, and if they honor the purchaser, you can still dispute the claim directly with a Visa/Mastercard/American Express arbitrator. The only time I have ever lost a chargeback claim with my merchant account was when the card/number was legitimately stolen and used to purchase services. That happened twice if I recall, and you will lose those all the time regardless.
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    Paypal and alertpay are the best methods of payments.

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    In my mind PayPal is one of the best methods of payment. Many people recognize and trust paypal around the world which makes it a rather easy choice. It also has a good dispute process and is very secure as far as hackers go.

    AlertPay is another good choice however they aren't quiet as well known as PayPal which makes it slightly harder to use.

    In the end I would recommend staying away from any other online payment centers because some of them aren't reliable or legal.

    PS: Mail in Payments is also a great option as long as you have a good documentation process and keep track of the payments which come in.

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    Quote Originally Posted by wswd View Post
    The reason not to choose PayPal is that they offer no/little seller protection for hosts.
    Any payment dispute you have just reply with "Non tangible item" and poof dispute resolved

    Ahem... Example here
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