Using PayPal For Credit Card Processing

Nov 24, 2012

When it comes time to start a website that accepts credit cards, the choice for merchant providers (credit card processors) invariably comes down to PayPal or Authorize.Net.  NTR Imagescapes has done extensive work with both systems, including implementing the basic API's the respective companies provide, as well as modifying and customizing systems from scratch in order to fit the customer's unique needs.

PayPal's Standard Business Account

For those wishing to have the ability to process credit card transactions but don't care whether their customers are able to input the credit card information on their website, then PayPal's Standard Business account is perfectly fine. Contrary to what many believe, this standard method does allow customers to pay with their credit card even if they don't have a PayPal account. The only exception to this is when it comes to signing up for memberships, which needs to be done (in this instance) with a customer's PayPal account.

PayPal's Business Pro

This version is $30.00/month and it's very good. In fact I would recommend it to almost anyone.  For the relatively cheap monthly fee, the customer is able to process credit cards on their website (with an SSL certificate installed), and process any administration functions such as updating the customer and product tables in the database, sending confirmation emails, etc..., all on site without ever leaving. Users never know that PayPal is handling their transaction, which is something some customers want to keep the illusion of.

Once the transaction is processed and approved, the funds need to be transferred to a bank account manually as this does not happen automatically like it does with Authorize.Net.  This can be a major issue if many transactions are handled on a daily basis, and needs to be taken into consideration during a consultation.

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