What is the best merchant processing solution?

[smookedtrout]

If you want to take credit card orders (or pre-orders), what is the best merchant processing solution?
I've heard the PayPal and Google Checkout will freeze your funds if even a single person complains about your service to them.

[smithmiller6]

Hi I am new here and I am starting with your answerer. If you don't care about the customer leaving your site:
Amazon Payments (underrated in my opinion)

PayPal
Google Checkout

If you need to seamlessly integrate a payment form in your site:
-PayPal Payments Pro ($30/month for a virtual terminal and API integration, no contracts, 2.9% transaction, it's really hard to find a merchant company that can beat this unless you're talking in volumes).

-Authorize.net coupled with the merchant company of your choice.
When evaluating a merchant company, beware of contract stipulations, transaction fees, and monthly fees. My first provider was Cardservice International (one of the largest) and I used LinkPoint for the online gateway. I was paying $60-80/month just for the service! (transaction fees excluded) AND I was locked in a 2-year contract with an insanely high cancellation fee. One of their fees was a mandatory $20 "customer service fee" for access to their 24/7 customer service team. (WTF?)

Just be careful when evaluating merchant companies. Try starting at your bank (as long as it's not Chase, BoA, or Wells Fargo). Generally, local community banks or credit unions will have fair pricing and good customer service for merchants. Try to check all Honest Merchant Reports here.

[smithmiller6]

if anyone know any other so Post Please.

[hostexec]

I would stick to paypal. Since is the most used payment gateway.

[ericdesouza]

t is true that Pay Pal can freeze funds, but it's the easiest way to get started.I recommend starting with PayPal (not Google; PayPal is better about international credit cards), and then working towards another solution only when your company is off the ground and you can afford to spend time and money on a merchant account and a real gateway.