Hi All, I thought I would drop in on this thread and see where I could add value.
I have to agree with Tom on this one as there are several things to look at. I would suggest to consider the following: *Gateway* - Ease of integration - Integration options - Does the gateway offer options to help minimise PCI scope (Direct Post etc) - Costs - are there any extra fees - Does the gateway support Amex - Ability to access good technical support *Merchant Facility* * * Every Bank is different on this one, but a general rule of thumb is that you will get cheaper pricing from the bank if you use a Third Party Gateway - any bank product that uses MiGS is more expensive. When looking at pricing, take the following into consideration: - Is the MSF (the % Charged) Blended or Card Based - ANZ charge different MSF's based on card types which can turn out to be more expensive. - Is there a transaction fee on top of the MSF - What is the minimum MSF (monthly and varies between $20-$40) - Monthly Fees As Tom mentioned, you need to model these numbers to try find the best solution. From our experience, CBA, ANZ and Westpac do a good job! Hope this helps. Cheers, Pred *Founder* *Fat Zebra - Online Payments <https://www.fatzebra.com.au> * On Monday, April 8, 2013 10:11:35 PM UTC+10, Tom LeGrice wrote: > > Hi - I am Tom from PetHomeStay - just introducing myself on here. > > Just thought I would add my two cents here as I have just been through all > this for our payment gateway. > > IMHO the set-up you choose will have to take into account a few factors > such as the risk/ setup around your specific business (ie product, service, > marketplace etc), the amount of technical nous you have (and API skillset), > and the specific transactions you will be processing (high volume low value > = % model / low volume, high value = per transaction model, or somewhere > inbetween). > > Our business, PetHomeStay.com, was refused access to Braintree or Stripe > as we are a marketplace model, and they do not allow 3rd party payment > aggregation on non-US companies. Even with their being no need for a > merchant facility however, we worked out that Braintree was around twice as > expensive ($11k) compared to a combination of a gateway and a merchant > facility ($5.4k), based on our transaction x volume x frequency metrics. > > PIN we didnt enquire with due to feedback on here and other forums. > > SecurePay have come out with a pre-pay, no % model based on transactions, > which is pretty good, and works around 20-23c per transaction. > > Both CBA and ANZ came to the party and gave us quite competitive CC > processing rates. ANZ didnt charge a fee per transaction, but had a higher > % rate, and CBA had a much lower % rate, but a per cent transaction fee in > addition. > > If technical isn't a concern, you need to model the numbers. > > I am happy to share the ANZ & CBA rep names with anyone that wants them, > they were both very good and call centre based. > > cheers > Tom > > On Friday, April 5, 2013 7:28:08 PM UTC+11, Darren Patterson wrote: >> >> Braintree is good. Recur.ly is another. And if you can afford it >> Zuora.com is the best >> >> Sent from my iPad >> >> Regards, >> >> Darren Patterson >> Mobile: +44 (0) 7917373518 >> >> NOTICE: If received in error, please destroy and notify sender. Sender >> does not intend to waive confidentiality or privilege. Use of this email is >> prohibited when received in error. >> >> On 5 Apr 2013, at 02:57, Paul Lupson <pa...@lawpath.com.au> wrote: >> >> Thanks for really good feedback guys. No one really seems to be blown >> away by the payment gateways we have available to us here in Australia. >> I've reached out to an excellent system I was using back in Europe on my >> last website, they're interested in talking to me, will update you all >> (if you're interested?). >> >> @Geoff - we're going to be taking AUD initially, possibly developing into >> many other currencies as we are seeing LawPath now being used by Aussies >> looking for lawyers in Australia AND overseas, also unexpectedly overseas >> users looking for lawyers in Aus. >> We're in process of building a global lawyer network now due to this >> unexpected customer demand at LawPath >> >> On Wednesday, 3 April 2013 12:53:49 UTC+11, Paul Lupson wrote: >>> >>> We are about to integrate a payment gateway into LawPath.com.au - i've >>> been recommended PIN & Braintree, but would like to know if other payment >>> gateways that accept more card types / bank transfers / paypal are >>> available here in Australia? >>> (I've previously used Amsterdam based Adyen, it was great for e-commerce >>> in Europe but they don't seem to support many card types here in Australia) >>> Thanks >>> Paul Lupson >>> Co-founder & CEO >>> >> -- >> -- >> You received this message because you are subscribed to the Silicon Beach >> Australia mailing list. 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